vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments.

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 monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Municipal Service Bureau ( MSB ), acting as a collection agency on behalf of XXXX, NY ( XXXX ) has requested a payment in the amount of {$1300.00} for a service that was never requested. 

XXXX. also acting as a debt collection on behalf of XXXX, has also made an attempt to collect this debt in the amount of {$380.00} for services that were never rendered. 

Please note, that supporting documentation can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
Debt was owed to collection company for various court fines for traffic violations. The debt was paid in full through cashiers checks issued from bank all on same day. Collection agency is claiming balance owed for collection fees that were posted to the account the day all balances were paid. Never received a bill for collection fees before paying all balances in full. Still have n't received a bill for the collection fees after paying balances in full. This issue is now hindering my ability to obtain a valid drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 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: CA

Complaint narrative:
A charge was placed to my Bank of America account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Bank of America notified my when my account is negative, but this time Bank of America refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My payments of {$780.00} are due on the first of every month with Bank of America. My husband I split the payments of {$400.00} each from his XXXX account and my XXXX account. BoA will post one of the payments of {$400.00} but rarely posts the other payment of {$400.00} and places those funds into a Partial Balance account. I have to fight with BoA either with phone calls to which I am on hold for over an hour or via social media for them to credit my payments correctly.

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 2015-05-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2016 I received a packet from Bank Of America requesting additional information for my home loan application, I filled out the packet forwarded via XXXX/Fax To ; XXXX XXXX my ( CRM ) Ph. # XXXX Ex XXXX. CC. Attorney XXXX XXXX XXXX of XXXX XXXX Law firm. Ph. # XXXX Noted XX/XX/2016 XXXX XXXX XXXX XXXX notified me by parcel mail stating the bank has received my inquiry submitted CFPB # XXXX Moving forward he would will be fostering my modification review with the Bank. XX/XX/2016 I received another letter from XXXX XXXX my ( CRM ) For ( BOA ). Stating we are no longer reviewing your application for loan assistance because we did not receive the requested documents this is not only false, Absolutely frustrating from a barrower stand point I made several attempts to bring the loan current, I was told the system will not accept payment the loan is in default. Every month the bank attaches accumulated fees. I provided the requested documents for the modification. Someone needs to acknowledge there is a communication break down in all parties supposedly involved in the matter at hand. My loan is ( FHA ). Bank Of America has a Obligation, Fair Debt Act 15 U.S.C. ~1692 elt seq / Real Estate Settlement Protection 12 Act 12.U.S.C.~2605

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I originally had XXXX private loans through XXXX which were transferred to Navient after the company split. I currently have XXXX remaining with Navient. The current student loan I have with Navient has been active for almost six years but I am still currently paying only the interest on this loan. To be clear, I have paid on this loan for close to six years and I am still not at the point where I am paying the original amount borrowed. They have not helped me when I called about this in the past, nor have they provided me with any sort of reasonable explanation as to why I am stuck with this terrible loan. In fact, I asked the women I spoke to over the phone if my race ( I am XXXX ) had anything to do with this seemingly suspicious loan and her response was " I do n't think so '' which I found for lack of a better word, insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: OH

Complaint narrative:
I am a co-signer for my son 's student loan account with Navient, aka XXXX. Navient incorrectly reported to the credit bureau that " my account '' was 60 days past due, with a reckless lack of communication to me that the account I co-signed for was even late. I dispute that Navient had any lawful right to ruin my good credit by reporting to the credit bureau that I was 60 days past due, in regards to my son 's student loan account. Navient should have some legal duty to actually contact me before they take such extreme action as ruining my credit. Navient negligently failed to make any reasonable effort to contact me to alert me to any late payments on this account! I only received XXXX vague email, just just six days before they reported " my account '' as 60 days late and it had no mention of a late pmt in the email. Navient claimed they " generated '' a notice but they did not. Navient said they fulfilled their duty to notify me by sending " automatic '' phone calls to a land line with no answering machine or phone, and they acknowledged that none of the phone calls were answered. ( Navient had all of my contact info in a separate parent plus account ) Naviant destroyed my good credit, as my score dropped from XXXX to XXXX the day they reported " my account '' as 60 days past due. I explained this to Navient but they have done nothing to satisfactorily explain why they relied on the inaccurate incomplete, unverifiable and non-existent notification to me, that the account I co-signed for was late -- prior to ruining my credit in reporting this account 60 days late without sufficiently communicating with me that it was late first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have set up through Bank of America an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Bank of America on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.

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 monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX and I am contacting you because I just found out that your government agency may be able to help me in regards to a series of complaints that I have against Bank of America : 1 ) My original loan with Bank of America was created on XXXX XXXX, XXXX for {$210000.00}, at a 7.25 %. The loan for the mortgage was for only {$180000.00}, but the principal shows as {$210000.00}. There is is a difference of {$35000.00} between the loan and the principal, that includes varios, murky settlement charges such as {$2100.00} to XXXX Mortgage for an " origination fee. '' I need to know why I owe {$35000.00} more than I am supposed to. 
2 ) I have been paying a monthly PMI of {$140.00} since XXXX XXXX, XXXX until XXXX XXXX ; which amounts to {$12000.00} that I did not need to pay since I had my condo for 12 years prior this loan, and I was not a " risk '' borrower. I sent several letters, emails, made phone calls and I even complained to the XXXX in regards to removing this PMI, to no avail. Bank of America always came back to me with several excuses of why the PMI could not be dropped. 
3 ) I was able to get a modification and lowered the interest rate to {$5.00}, but the PMIs continued nevertheless, as well as my requests for the PMI to be dropped ; again, to no avail. 
4 ) My mother had a XXXX and became XXXX, which forced me to quit my full time and get a part time job, so that I can take care of her. I requested another modification and it was accepted, but Bank of America immediately removed itself as the bank servicing the debt, and put me in the hands of XXXX XXXX Loans. 
5 ) What I owe now ( the investors, I assume ) is {$190.00} ( this is what shows my latest statement ) which means that in 9 ( nine ) years of paying MY MORTGAGE, I have only paid {$19000.00} of the principal!! This is outrageous!! This is thievery!! 
This happened right when the mortgage collapse started, but is not my fault that the banking/finances systems is so fraudulent that it will allow such atrocities against poor people like me. PLEASE HELP 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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Bank of America. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Bank of America refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit immediately.

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 monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 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: DC

Complaint narrative:
Hi, my name is XXXX XXXX and I want to file a complaint concerning the day I was bullied by my " loan servicer '' & company on XXXX/XXXX/XXXX. On this day, a few days after I was asked what I would do if my family 's wages got garnished because of my inability to pay them, I told them that I could only pay them {$70.00} and that I was willing to pay that amount to them per month. Navient said that {$70.00} was n't an option and that I would either have to set up a monthly payment amount of {$130.00} from that day forward or pay {$200.00} to keep my loan out of pre-default. I pleaded to them that I was only interested in choosing a payment amount that I could maintain monthly, and not revert within months. ( Years earlier I was goaded into aceepting a payment plan with an outrageously large price point in regards to my income ). They said this was the best they could do for me. When I told them that I was only able pay {$70.00} they told me no because it would n't be enough to match their price point and hung up on me. I actually had to call THEM back just to pay them. 

My aunt, who consigned this loan, told me to mail it in to them but I was afraid that it would n't make it to them in time ( because they only count payments on the day it went through, not when it 's dated ), and that they would move my loan to pre-default status. So I called my aunt to explain the current situation with Navient. After the call, she sent me the following text : " XXXX '' This took an XXXX on me, forcing me to pull money from my other responsibilities to keep the loan out of " pre-default. '' So I called back and paid the extra {$130.00} with money that I had designated for other bills. This brought the final total to {$200.00} when I actually only had {$70.00}. To this date, we have not resolved this issue. I have had several other experiences with Navient that are similar to this one throughout my business with them, dating back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 'm in the process of a short sale on my home because this was the only option Bank Of America gave me. I use to have my XXXX loans with Bank of America ( XXXX and XXXX liens ) NOW while negotiating my short sale Bank of America went ahead and sold my servicing rights to XXXX. NOW XXXX who is my first lien holder approved my shortsale BUT is only giving Bank of America who is my second loan {$6000.00} and Bank of America wants {$12000.00} to release. As of this morning Bank of America has stated that they will NOT work with us in closing the short sale because they want {$12000.00}. Is this legal for Bank of America to do? hold me hostage to foreclosure?

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 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Bank of America cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Bank of America. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Bank of America account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have been working with Bank Of America since XXXX XXXX, XXXX for a loan modification. We have had the loan for 10 years and have never missed a payment. We have responded timely to every request and we were notified upon calling them for status update on Wednesday, the XXXX, that the case was closed. There is a balloon payment of {$570000.00} due XXXX XXXX. We can not pay this, need your help. We have submitted EVERYTHING, via fax from the Bank of America branch with complete confirmation that it was delivered. We have worked for 4 months and trying to resolve this to NO end. Our loan office is XXXX XXXX, Phone number XXXX XXXX XXXX XXXX XXXX. Loan number XXXX XXXX XXXX Address of property : XXXX XXXX XXXX Fl XXXX Name on account XXXX XXXX XXXX, my wife , XXXX XXXX has power of attorney to discuss any matters relating to this loan. Our contact information is ph ( XXXX ) XXXX, email : XXXXXXXXXXXX

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 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 

On XXXX XXXX XXXX issued me a refund for XXXX purchases that did not download completely. After waiting a few weeks, I called Chase to inquire about the check refund. I talked to a supervisor named XXXX, who was fast to get me off the phone. I provided her the transaction number ( XXXX ) for the refund, for which she said that she could n't find, and then she abruptly hung up on me. 

I then spoke to XXXX in Claims Escalation, who would talk over and give me contradictory information, who then also hung up on me. 

Chase claims that they would not be able to locate the refund and issue a check. From past experience I know this not to be true. It 's alarming how Chase dose conducts business.

Company response to consumer: Closed with monetary relief