vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became " close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Bank of America in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to " Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was " timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I filed complained for {$200.00} against NY XXXX MOVERS with Bank Of America visa on XXXX/XXXX/2016 under claim # XXXX with transaction ref # XXXX. I received a letter from bank of america on XXXX/XXXX/16 at about XXXX dated XXXX/XXXX/2016 posted on XXXX/XXXX/2016, asking me to reply by XXXX/XXXX/16 I called bank of America visa and informed XXXX XXXX XXXX Who told me that I can not reply by fax but only reply by mail and there is 10 days grace period and adivised me to send reply in next 2 days. He aIso told that he putting note regarding our phone conversation in the system. I posted my reply on XXXX/XXXX/16. I got email on XXXX/XXXX/2016 to look into my on account for alert. When I open the alert, It was the letter stating that my claim is closed as It has passed time limit. I called again on XXXX/XXXX/16 and spoke with XXXX XXXX who asked to me call dispute dept at XXXX on Monday XXXX/XXXX/16 and they will reestablish the claim. When I called on XXXX/XXXX/16 at about XXXX I spoke with XXXX and explain them all the fact but they only stated they can do nothing as they have not received my reply by XXXX/XXXX/16. I told them that that is my mistake and hence either you reopen dispute or give me {$200.00} credit. I was offered {$50.00} credit as cursey by XXXX which I refused and I told her that either give full credit or I will be not responsible for the payment. I am ready to provide any more information if needed. I told XXXX that i spent about 3 hours of my precious retirement time to resolve the problem and I am doing this to get justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom it may concern : I sent a letter to Navient ( XXXX XXXX ) back on XXXX/XXXX/2016 at XXXX in reference to how to allocate my monthly payments if there is a greater amount than the minimum due. As of today I have yet to receive a response. I called them to ask them about my email and the customer representative said that the system does not allow her to see my emails, which is a total lie because they have seen my emails before. It was the last time I called back in approximately XXXX 2016, Navient can go back and pull the recording. I have contacted the cfpb before regarding the terrible business practices of Navient ( XXXX XXXX ) and yet they continue to do whatever they want with no regulation whatsoever. 
Can someone look into this new matter of them not responding to my emails, especially when it comes to paying down my student loan debt. 

Thank You LETTER COPY : I am writing to provide you instructions on how to apply payments when I send an amount greater then the minimum due. Please apply payments as follows : 1.After applying the minimum amount due for each loan, any additional amount should be applied to XXXX with a balance as of XXXX/XXXX/16 in the amount {$14000.00}. 
2.If there are multiple loans with the same interest rate, which LOANS XXXX and XXXX have the same interest of 3.375 % please apply the additional amount to the loan with the lowest outstanding principal balance ( XXXX ). 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest balance, which is LOAN XXXX. 
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 
Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I XXXX XXXX submit this complaint against Bank of America for failure to modify my Home Equity Line of Credit according to my XXXX mortgage modification, whereas I 'm unable to afford XXXX payment. My home right now is only worth about {$250000.00} my XXXX mortgage balance is {$240000.00}. which was modify under the making home affordable program. My XXXX lien balance is currently {$560000.00} my income can not meet XXXX payments at this current level. I filed a discrimination lawsuit against Bank of America in XXXX Court the judge granted Bank of America summary judgment. I lost the case, due to this reason I believeBank of America is refusing to be fair with me the reason they want give me an affordable modification payment. I really wants to keep my home at this rate with XXXX loans I really do n't know how I can afford it. Right now I feel like I 'm lock in this loan forever. It 's no way I will be able to refinance this loan. Please Help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mortgage lender, Bank of America, issued a trial modification plan for my home, but then they refused to make the modification permanent!! 
Bank of America told us that we qualify for modification and we meet all the requirements, but there is an issue from 4 years ago that has caused a red flag on my file!!! 

They claim that we failed to give them correct tax returns during the previous modification request which was 4 years ago. The fact of the matter is that 4 years ago we applied for modification which was denied. That process was done through a " third party '' that represented us during the modification request 4 years ago. Everything that was requested at that time we provided -- including tax returns -- to that representative who should have forwarded them to Bank of America. If that third party failed to forward the requested items to Bank of America, it was not our fault. 
Furthermore, 3 months ago I sent the tax returns for those missing years to Bank of America. 

Now Bank of America claims that 4 years ago they did not receive the tax returns in a timely manner and this is a sign of a legal tax violation!!! Their excuses are just absolute none sense! I have provided all tax documents for 2014 and I even provided the tax returns that they claim were missing from 4 years ago, even though it has no relevance to my current modification request. Bank of America 's response is very unreasonable and unfair. They claim that I qualify for all requirements of the modification plan but because of some vague and unclear excuses, from a previous 4-year old closed file, they can not finalize my current modification file!!! 
They also refuse to explain the problem clearly and in writing!! 

It is very absurd, unfair, and unreasonable for a lender to deny " permanent '' modification after they approved the trial modification, Based on the status of a 4 year old previous file which was closed a long time ago!!! 
This is very unreasonable and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Me and my wife worked to pay down our conventional 30 mortgage with Bank of America to get below an 80 % LTV so that we could cancel PMI. Once we reached below 80 %, I contacted Bank of America to inquire about PMI cancellation. The representative informed me that our loan to value ratio did indeed qualify for cancellation of PMI. He told me that he submitted the request and to allow up to 4 weeks to get a letter indicating approval and conformation of cancellation of PMI. I asked if there was any reason that the request would not get approved. He said it will get approved as long as long as there where no late payments in the last 24 months ( there where no late payments for the entire loan period ). A couple weeks later, I get a letter from Bank of America stating that my request for cancellation of PMI was denied because the current LTV ratio of my loan has not met the established requirements to summit a request to cancel PMI. They also attached a form with with instructions to use there appraiser to pay for a new appraisal if the current value came back at less than 75 % LTV. Looking around at other complaints on Bank of America, It appears to me that this is standard practice for them when it comes to people canceling PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am currently XXXX in XXXX. My salary is XXXX before tax and my rent is {$1400.00}. This is not including utilities, transportation, and food. I have spoken to Navient about private student loans to make a plan to pay them off. I told Navient my salary and expenses and committed to paying $ XXXX/month until my salary increases. I spoke to Navient representatives several times regarding my willingness to work with them. However, Navient was persistent in that they did not want {$75.00} they wanted & gt ; {$300.00} a month that I simply did not have. The representatives became belligerent even suggesting that I ask my landlord to decrease my rent to pay them? This is preposterous as I have to have a roof over my head to work. Yesterday, representatives threatened me that if I did not give them several hundred dollars by XXXX they would default my loan. This business has destroyed my credit report. The only relief I have received is from paying a default fee of $ XXXX+ that does not go to the life of my loan. I also, tried to consolidate the loans with Navient and they refused to have the private loans consolidated. Thus, I am working diligently to try to pay my debts to this company without the company willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Purched a home in XXXX for XXXX dollars in the last part of yr XXXX i was told i had stage XXXX XXXX ( XXXX ) was taken out of the work place.fell behind on payment to the morgage co.called them asked what i should do.they offered us a paent plan.it was all good the arreages were to be put on back of note.three months go by amd we get a leyter from the bank stating we were denied. This happened XXXX differnt times.long story short, everytime after that when wed make a payment, we went farther behind.bad enought to go from XXXX incomes down to onethen this.we spent i bet XXXX dollars doing modifications.the goverment even gave me a XXXX dollar grant to cautch us up.well guess what it got lost for two yrs.all of a sudden. It shows up in our ecrow. Account next day its gone .they dont know where its or where it went.to this day no credit has been put on my account. We filed bankrupcy twicein XXXX and XXXX.they never said im sorry for the lost of your money or nothing.anyway in XXXX ( they say they forclosed on our home ) i dont know how we stayed in the home till XXXX.we moved on our own tired of messing with them.contract in XXXX for XXXX dollars moved owniing XXXX dollars on home in. XXXX and XXXX we XXXX dallar a month payments on home western union.no credit given.yes i have all receipts of payments. The forecloser is still stopping me from getting a good credit score.boy it makes me mad to think about it.please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a dispute to our CFPB complaint case # XXXX originally submitted XX/XX/XXXX. Response received on XX/XX/XXXX from Bank of America is not satisfactory as the bank is not explaining why the property did not qualify for a line of credit extinguishment under the Department of justice settlement with Bank of America of XX/XX/XXXX. All other properties owned by us qualified with no special request from us. We are not understanding why the Bank of America is collecting from us as the property in question was surrendered under chapter XXXX bankruptcy in XX/XX/XXXX. The bank advised that they will proceed to foreclose the property unless payment in the full balance due is sent to them. The attached letter further explains our dispute with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient keeps calling me on my cell phone and home phone, 5 to 10 times a day, everyday! Its about a student loan that my daughter took out in XX/XX/XXXX. She forged my signature and got {$3500.00}. I am XXXX and have been since XX/XX/XXXX. I can not pay this loan. I thought my daughter took care of this debt. I have reported her forging my signature for this co-signing of this loan. I am still being harassed by Navient. They only make it more miserable for me to XXXX and worry about how these poor people will get their money. They are very rude and insulting with every harassing phone call to me. Especially the last women I spoke with just a couple hours ago. She insulted me and repeatedly yelled at me, In no way was she professional during her harassing call to me. First it was XXXX harassing me everyday, now its Navient. I would really appreciate it if people were notified before they get these loans that XXXX is privately owned and does n't have to follow any federal regulations!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset 10 % of my discretionary pay.. this is insanely injust considering my personal situation. I have been told by the company several times they put me in forebarance and am given the standard repayment terms but they do not work for me. If i pay per the terms they are offering i will lose my house and transportation. Please help me get someone to assist me with arranging manageable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Thank you for the prompt answer my last inquiry, I am sorry, I was n't being specific what forms I was asking for. I am attaching this time with this email a sample of the form I need from you, I hope that will help. I have three forms from Bank of America, XXXX form from XXXX and Sample from XXXX XXXX website. Three of these forms will show the principle reduction you made to my account. If you disagree on authenticity of these document please state for me the reason. Exhibit # 1. my tax statement XXXX form XXXX. ( XXXX pages ). What that documents show are the balance of {$4500.00} and escrow balance of {$28000.00}, which have been transferred to fay servicing ( no deferred balance ). Please read carefully the important notice of information on page XXXX. Exhibit # 2 from my loan payment history document page XXXX, also shows the last balance from Bank of America which is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 3 from XXXX ( the new servicer ) also confirms that, the balance you transferred is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 4 from my loan payment history document page XXXX shows that you have written off ( the deferred balance ) {$280000.00}. If you disagree please give me full explanation what this reductions is. After long investigation, I have concluded that you are missing XXXX document to sent XXXX, which could clarify all this confusion. and that is Exhibit # 5. Would you please sent me a copy of that form to me and XXXX. Remember, you have sold my house by giving a fraudulent misrepresentation information about my account to XXXX XXXX, if this issue do n't resolve immediately, I have no choice but to take my case to the federal court. remainder the principle reduction program will be run out by XXXX/XXXX/XXXX. 

Thank you XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have a federal student loan with Navient. I have come into a situation in where i am on XXXX due to and injury. i expressed this had ship to Navient and asked to defer my payments and they placed me on forbearance instead.

Company response to consumer: Closed with explanation