vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXX XXXX XXXX taxes on our homestead had not been paid as of XXXX XXXX, XXXX. On XXXX XXXX I sent Bank of America a copy of a tax receipt for property taxes paid in the amount of {$600.00}. I made another tax payment of {$500.00} on XXXX XXXX and sent a copy of the receipt to Bank of America. I did not receive any reply or acknowledgement from the Bank. On XXXX XXXX, XXXX, I entered into an agreement with the tax office to pay the balance of the taxes in installments. I also sent a copy of this agreement to Bank of America on the same day, XXXX XXXX. With my first {$120.00} installment made to the XXXX XXXX was returned to me on XXXX XXXX, XXXX stating that Bank of America had paid the taxes on XXXX XXXX, XXXX. BAnk of America sent an escrow disclosure informing me that the mortgage payment would increase by {$510.00} for escrow, making my current payment of {$480.00} to increase to {$1000.00}. 
I sent Bank of America a letter certified mail via XXXX day priority on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. I protested their interference with my contract with the Tax Appraisal as well as their failure to acknowledge my proof of prior payments. I also inquired as to the {$990.00} refund they received from the tax authority and their failure to adjust my alleged escrow balance. I also inquired as to why I was n't allowed to pay any amounts due less the refund before they chose to double my house payment. To date I have not received any reply. I also stated that my husband and I could not afford to make this payment on our homestead. 
I also requested an answer as to why they have not answered my XXXX XXXX, inquiry to have my husband placed on the mortgage so that he could get XXXX his age and XXXX veterans exemption since we were married at the time the loan was made. H never received a reply to last years inquiry regarding my husbands name being left of the mortgage papers. 
I previously filed with the XXXX on XXXX XXXX, XXXX, however, on XXXX XXXX, they informed me that they could not assist us in this matter and referred us to this agency. The next months mortgage will be twice the amount we already pay and fear that we can not afford to make it and do not want to lose our 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 non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, I have a mortgage with Bank of America. My loan number is XXXX. I received a property tax bill from XXXX county. My property tax has been decreased significantly. I requested to lower the monthly mortgage payment accordingly. Bank of America instructed me to fax the county tax bill which I already did, but I never heard from Bank of Amerca.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Bank of America in XXXX. I have co-power of attorney. 
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Bank of America did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation. 
Banks should never be as detached from their customers as Bank of America is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 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: CA

Complaint narrative:
I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XXXX XXXX 2015 we closed on the sale of our house and Bank of America received the payoff on XXXX XXXX, 2015. At that time we had an escrow balance due of {$3800.00} +-. We have not received that payment and after XXXX phone calls to their customer service line we can still not get information on when we will be reimbursed. We have spoken to XXXX XXXX who assured we would receive our payment via usps by XXXX/XXXX/2015 and she would follow up with a call that day. She never called. Again we spoke to another representative, XXXX XXXX who said he would call us by XXXX/XXXX/2015. We have not heard from him either. It should be noted we were told the week of XXXX/XXXX/2015 the check was being sent XXXX and should have it XXXX/XXXX/2015. In none of these cases were we given a tracking number even though we asked. Note also that on the attached documents the escrow report shows a deduct from our account, we have not received that money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08 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: CA

Complaint narrative:
My loan is being transferred from XXXX to Navient ; and they are unsure of where the loan is in its processing. Navient is the recipient and has no record of me. XXXX is the seller and has a general time frame of 2 to 4 weeks ; but is not able to deal with my loan any longer. This means I am not able to make my monthly payment. When I do n't make a monthly payment, the interest continues to accrue on the current balance, rather than the slightly lower balance it would be at, should I have been able to successfully pay my monthly bill. Thus either XXXX and/or Navient will earn an additional profit by temporarily losing track of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was told my loans will be paid off in full on my current plan by XX/XX/XXXX which is XXXX years after I started repayment, and there is no way they will be. I have been paying what seems to be nothing but interest as my principle balance has not moved. I have called to confirm the XX/XX/XXXX payoff and they always say it is accurate. I feel like I am being scammed because I never see my principle balance drop. 

I got student loans in hopes of having a higher earning potential. I graduated in XX/XX/XXXX admidst the worst financial collapse certainly of my life time with very limited jobs. Came ou of college making XXXX a year with a XXXX monthly student loan payment. I currently make more but now with a wife and XXXX children work 60-70 hours a week just to pay the bills. I got student loans to get a better job and be able to live a great life, not cripple me with debt and have to struggle to get by and not even make a dent in the balance. 

I did n't qualify for any assistance or help because my parents made to Much money and they said my '' anticipated family giving '' did n't allow me to get any grants/assistance when in reality I paid every single penny of my college experience with no help from my parents. Now, almost 10 years post graduation I still owe almost XXXX just to navient ( and that 's not even considering the XXXX I owe XXXX for student loans ). Student loans are a scam and if I could do it all over I would have joined the military or learned a trade. 

This has been and will be the worst decision of my life. It has stalled everything. All the things I have ever wanted ( but a home, live debt free, have a comfortable life ) has all been stalled by this devastating debt that seemingly will never go away. 

WORST decision of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX and I used to have a checking account, money market account and mortgage with Bank of America ( via Countrywide ). Bank of America, now referenced as BOA, screwed me over with regards to my modification and then sold my loan to some 'off the wall ' trust. The real reason for this complaint was that I sent about XXXX letters requesting that the checking and money market accounts be closed immediately since the year of XX/XX/2014 -- probably more! My lawyer at the time also sent a letter and of course they state they never got it even though the executive office confirmed receipt. They keep sending me statements which I nicely mark 'RETURN TO SENDER ' because my checking account had only a {$.00} balance in which I told them to send to me if they chose to -- I do not want anything else from these crooks! It is a waste of their resources to continue to pester someone who earn/will earn them XXXX profit! I do want any correspondence -- NOTHING! I should not have to send in anymore letters requesting closure especially the way they treated me with regard to my injury and my past mortgage! I am done!!! Please assist me and tell BOA to stop bothering me. Post my name -- I do not care. I want as many people as possible to know how this scheisty 'financial organization ' can be to innocent citizens.

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 2016-05-18 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: TX

Complaint narrative:
I have XXXX small loans that have been transferred to Navient in XX/XX/XXXX. The cumulative value of my monthly payments was the cumulative value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing " late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} " past due '' and receiving " past due '' notices. I made a substantial payment in XX/XX/XXXX and still, " past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus. They " reallocated '' my XX/XX/XXXX payments, provided a NEW ACCOUNT NUMBER ( not the one on their website ) to me to use for XXXX of the XXXX of my loans ... I 've cancelled email statements because I want all their lies in writing now and I 'm closely monitoring to see if any " late fees '' are actually assessed XX/XX/XXXX-XX/XX/XXXX as I will dispute them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A settlement agreement was reached by telephone and direct payments to total {$3600.00}. 
I have made and the bank has processed XXXX of these XXXX payments already. Agreement reference number is XXXX. Bank of America did not apply the money as a pay off but as a regular payment with {$54.00} interest. They have creavtively, left me a XXXX balance. I have confirmation of this arrangement and their statement, attached

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 2015-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC
State: TX

Complaint narrative:
For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX took out a student loan without my knowledge or permission in XXXX. She was living in my house and had access to all of my personal information and email. I was n't even in the same state as her when the account was opened. I was living and working in CA and staying at the XXXX XXXX. I 'm still not sure why Navient did n't contact me asking if I approved this loan. They even had my contact number. Once I discovered the loan I contacted Navient have followed everything they asked for. I never received any communication between when the loan was opened. Once i received the first bill 2 years later I called to try and have it removed. I have since tried to contact them and cant reach anyone in the fraud department. I received a letter saying they were no longer investigating the claim but have n't told me why. When i originally called they told me the loan was in deferment until XXXX. I received a bill yesterday asking for payment in XXXX XXXX. I shouldnt have to pay anything and this loan should be removed as I was never notified of the loan or signed any documents. They have yet to even provide me with application or any correspondence sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America 's collection group starts calling on the XXXX of the month if the monthly mortgage payment has not been posted on the XXXX of the month. The terms of the mortgage is that the payment is not late if it is received by the XXXX of the month. All payments have been paid before the XXXX of the month.

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 2016-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX in the mid to late XXXX 's. Was told they would be easy to pay off, and if i ever needed job help they would be there to help me. Here we are XXXX years later still paying on my loans. I am really XXXX that I have probably paid off my loan XXXX times over in just interest. I was told by XXXX that my loan would n't effect my credit but it did make it hard to buy my first house. After i graduated they sent me on XXXX job interviews, XXXX for a company that wanted me to do sales and other that looked like fun but it was graveyard only. I finally found a job on my own. I was laid off and when I went back to XXXX to get help finding a job, I was told that only current graduating students where being helped ever.

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Their website wo n't allow me to access repayment options it takes me to the page where I can pay the current due instead of showing me income driven repayment plans!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America treated my unfairly by charging me XXXX {$35.00} overdraft fees. I had {$220.00} in my account on XX/XX/2016. I charged {$4.00}, {$84.00}, and then an automatic deduction posted for {$230.00}. They allowed my debit card to work so I believe the auto payment took place after the XXXX smaller charges. They cheated me out of {$70.00}. I believe I should be penalized for the {$230.00} charge only. I would like to receive credit for both erroneous fees. I called today, waited on hold XXXX minutes, the employee waive XXXX fee and I requested to speak with her supervisor. She placed me on hold, came back XXXX minutes later and said she would now transfer to supervisor, the phone rang XXXX times and they disconnected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I was told Bank of America 's process changed and they never received notice of my husband 's death. 

On XXXX/XXXX/XXXX, Full Reconveyance recorded as Doc # : XXXX - XXXX states, XXXX XXXX, as successor by merger with XXXX, XXXX, duly appointed Trustee under Deed of Trust dated XXXX/XXXX/XXXX, made by XXXX XXXX XXXX as Trustor, and recorded on XXXX/XXXX/XXXX as instrument XXXX - XXXX in the office of the County Recorder of XXXX XXXX County, California, has received from Beneficiary there under a written request to reconvey and in accordance with said request and provision of said Deed of Trust, does hereby reconvey, without warranty, to the person a persons legally entitled thereto, the estate now held by it thereunder. By : XXXX. Civil, Asst.Vice President. I paid Bank of America in full, and received Full Reconveyance. 

On XXXX/XXXX/XXXX, Bank of America 's letter to me states, Bank of America recently learned that XXXX XXXX XXXX, who was a valued customer, has passed away. Please accept our condolences during this difficult time. Based on the information received XXXX XXXX XXXX has been removed from the statements on that referenced account. Our records indicate that you are jointly liable on the account. Consequently all statements and correspondence will continue to be sent to your attention at the address listed above. If Bank of America 's information is not accurate, please contact us immediately at XXXX so that appropriate corrections can be completed. If an estate is available for XXXX XXXX XXXX, please contact us at the number above or forward and the executor contact information to the following address Bank of America, Attn. : Consumer Deceased Processing, XXXX XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. In accordance with the original contract terms regular monthly payments must be made to Bank of America until the full balance outstanding is satisfied. This payment application continues, regardless of any requests by you or any effort by Bank of America to seek recovery from XXXX XXXX XXXX 's estate. Again, we are sincerely sorry for your loss. XXXX XXXX, Consumer Risk Operations Group. 

On XXXX/XXXX/XXXX, XXXX signed the First Amendment of his revocable trust ( XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX. I am the spouse ( not XXXX XXXX ), and sole beneficiary/successor trustee of said Trust. 
On XXXX/XXXX/XXXX, XXXX signed his revocable trust ( XXXX XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America Class Action Law Suite was settled XXXX XXXX, 2016. All funds were to be deposited into my account which they unlawfully took from me. I have received no money to date. My account dated from XXXX to current. I know for a fact I am entitled to monies in the Settlement. I contact them almost daily. They respond they have to check on it they are not sure and or no reply at all. I am XXXX and have an SSI auto deposit monthly. IT seems as though they are discriminating against me

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 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
they contacted me too many times and not stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I 'm deputing the information with Bank of America, back in XXXX I close my account with them. Because Bank of America was charging me ridiculous fees of {$1100.00} amount on my accounts, I close my accounts and lift them XXXX XXXX, XXXX. And my accounts were in a positive status. 
A year later, I try opening up account with other banks and the banks would tell me that I was not approve, but I 'm thinking it has something to do with just my credit score being low. But has time progressed I notice from then I would have to check my credit report to found out about checking my credit score, and on my credit report. Bank of America had the these large ridiculous fees of {$1100.00} on my credit report and XXXX. And so I decided to try to find by calling Bank of America XXXX XXXX, XXXX, so the lady that I spoke with were in the XXXX. are telling me now that I have XXXX accounts XXXX now, not including the large amount for {$1100.00} .these fees are back in 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