vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We want to file a complaint against our Mortgage Company. Bank of America who purchased our mortgage and Equity loan from XXXX, which I think is a predatory loan. I was forced from my Job XXXX causing our income to be cut in half. Because we were not behind, we went through office after office with Bank of America overnighting fax after fax from a fax in a Bank of America office. It confirmed receipt and they said they did not receive. I talked to people in BOA XXXX.They still offered no help because we were current and have stayed current. Instead they recently raised our payments Our house dropped in value from {$450000.00} to {$190000.00} during this time and they still would not do anything to help. For 10 years they have have credited our mortgage payments to the interest rate 6 % and not to the mortgage. Now they have increased our payment on the Mortgage to {$1800.00} and doubled our payment on the equity loan. We need help to keep our home. We have no other home and I do not want to live on the street XXXX. We are still not behind on our loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a second complaint to Bank of America regarding the refinancing of my home. This complaint should be linked to Case number : XXXX ; applicable to New Loan # : XXXX ; and Old Loan # : XXXX. 
Bank of America has not provided any resolutions for my first complaint as of today, XXXX/XXXX/2016. However, to make matters worst, I got a letter in the mail this weekend indicating that I have an escrow shortage of {$2400.00} on my home loan and that I must pay this amount. Otherwise, my new monthly payment will change to {$2100.00} due on XXXX/XXXX/2016. My first mortgage payment, which is due this month ( XXXX 2016 ), was set to be {$1800.00}. Why the sudden {$300.00} increase when the agreement had been a different monthly mortgage payment? Was it a miscalculation? What is going on with my home loan? 

I am extremely frustrated. No one at Bank of America wants to be accountable for the mistakes they have made while processing my new loan. Not only did Bank of America not fulfill my original request of refinancing the house to cover the property, the total closing costs, and the set up of a new escrow account, but now I am being asked for additional money for a shortage in my new escrow account. I really do not understand what is going on. At this point I am not sure if I was mislead or misinformed on purpose, or whether Bank of America is just being deliberately careless when processing their loans, or whether this is retaliation for making my first complaint, which has not been addressed yet either. 

Bank of America is now affecting my finances as it did not only make me lose the {$3000.00} from my old escrow account, but now it wants an additional amount of {$2400.00} from me, which may not be much to them, but it is a lot of money for me. If I would have known I was going to run into so many issues, I would have never refinanced with Bank of America. After 20 years of loyalty to Bank of America, I am extremely disappointed. The refinancing of my house has turned into a big nightmare.

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 2015-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I bought my house in XXXX, my first lender was " XXXX ''. Couples months later my mortgage was sold to " Bank of America ''. In XXXX I applied for a loan modification and got approved. Couples months after the loan modification Bank of America resold my mortgage to XXXX XXXX XXXX XXXX Bank ''. About 2 years later or XXXX XXXX Bank of America repurchased my mortgage ( for the second time ) now from XXXX XXXX XXXX Bank. But since XXXX XXXX, XXXX I started receiving letters from Bank of America telling me that my house is going on foreclosure while I am not behind on my mortgage payment. They keep sending me a bunch of options to stop the foreclosure what kind of nonsense is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NY

Complaint narrative:
Multiple times more money than pre arranged has been taken out of my checking account not allowing to pay other bills and when trying to set up reasonable payments I have been told the amount I can pay a month is not enough and if I do pay I can never afford to pay more than the interest off so I never bring the principal down

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I tried many times to come to a solution for repayment with Navient. No matter how many times I called o would get an entirely different answer. Finally I was told I had ZERO options for repayment and there was nothing they could do. After reading many recent articles such as this one ( XXXX ) I feel better knowing I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
my ex husband got my in a joint account with Bank of America he filed for chapter XXXX he forced my signature when I filed for divorced back in XX/XX/XXXX is when I found out of this Bank of America because I opened XXXX of his mailed and he was going to the bank that day to take a line of credit and I went to Bank of America here located in XXXX XXXX and I told the lady no money needed to be given to XXXX XXXX XXXX I did not authorized any line of credit against his house he took in my name without my permission now this was filed on his chapter XXXX and is now showing on my report experian report # XXXX I am contacting Consumer financial protection Bureau to help to delete this record from my credit repot I XXXX XXXX XXXX-married last name Now XXXX main name after I divorced this XXXX man XXXX this account is now closed he filed for his chpater XXXX I do n't know what he did I want this to be deleted from my credit since is closed please delete this from my creditAccount nameAccount numberRecent balanceDate openedStatusBK OF AMERXXXX 
Not XXXXXXXX, closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification numberXXXXTypeMortgageTerms30 YearsCredit limit or original amount $ XXXXXXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXthen this is XXXX on my report with this another lender who took this account from Bank of america XXXX accounts need to be deleted from my credit report I XXXX XXXX XXXX XXXX XXXX consumer protection this account is now closed need to be deletedAccount nameAccount numberRecent balanceDate openedStatusXXXX .... 
Not XXXX, Closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification XXXX XXXX XXXX YearsCredit limit or original amount $ XXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXYour StatementCO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
RE : Volume of Student Loans Service Provider report to the Credit Bureau per Student by Navient. 

Dear Sir/Madam : My name is XXXX. When I left college in XXXX I had XXXX loans on my credit report totaling approximately {$27000.00}. When I finished graduate school in XXXX I found XXXX loans on my credit report totaling approximately {$50000.00}. 

Currently, the student credit report is littered with student loans. Service providers have no guideline on this issue as indicated by the ombudsman office. Neither the federal government nor the private sector has any limit as to how many loans they can report for each student The current practice puts undue burden on the student, especially if they have other financial obligations. It creates credit barrier for poorer students and is unfair and discriminatory to students with not so good credit history etc. 

I have contacted service, the consumer financial protection agency, the FTC, the department of education and the ombudsman office on this matter with no success. I was told only congress can mandate any change to the way student loans are reported to the credit bureau. I recently contacted every member of the education committee with no response as of yet. 

I am kindly asking for your help in asking for the education committee to make a recommendation to Congress for adoption by the US Department of Education. 

The request is as follows : Federal Loans : Mandate that Service providers are required to report student loans by Loan Program such as Subsidized or Unsubsidized ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

Private Loans : Mandate that Service providers are required to report student loans by Interest Program such as Fixed or Variable ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

This does not prevent service providers from managing their contracts. It also presents fair and balance reporting without undue burden for the student. 

Thank you kindly XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had an account for many years with Bank of America ( revolving credit card # XXXX ) and always paid on time there is one late payment in the history which is not accurate. I have disputed this remark with no outcome. The late payment is reflected on XX/XX/XXXX. Please help I feel this is an error as I always pay my bills on time.

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 2015-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC.
State: AZ

Complaint narrative:
This was a installment loan from XXXX { the XXXX XXXX XXXX XXXX XXXX } who days later transfered to Cash Call and than Month or two later transfered to XXXX services and after about a year transfered back to Cash Call..all through XXXX I have found out this is preditor loan with super high interest, illegal in Arizona and several other states in the US who are suing these companies ... I understand you { CFPB } also have a lawsuit against them. They have been sending me letters requesting different amounts to pay this loan off.This was an unfair, deceptive and abusive act and practice.Under statutes in Arizona any obligation to pay such loan is rendered void or otherwise nullified in whole or in part by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 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: NJ

Complaint narrative:
My loans have been taken out through sallie mae, but XXXX as you know turned their loans over to navient. Navient is trying to change terms within our promissory notes in which states our private loans must be paid back in 48 months. This policy is not listed in our promissory notes that we signed off on, their has been no new promissory note sent to us stating new terms and policies. I am still in school and they are trying to make me pay back loans when I should not be according to the terms that I have signed off on in my promissory note. I understand that the CFPB might be suing Navient I would appreciate if this would be included in the suit. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I received an alert through XXXX XXXX that a collection had been placed on my credit. I have perfect credit and never paid a late pay in my whole credit history. The day I received the alert I called Central Financial Control XXXX Syndicated Office Systems and they could not pull up an account using my name, address, phone number or birthdate. I explained that are trying to collect a debt using the incorrect social security number. They requested I fax them my information to their Inquiry Resolution Center, which I did on XXXX/XXXX/2015. They said IF it was clear the debt was not mine, it would be removed. Several days later I get a new Alert stating Central Financial Control has opened a new account in my name. I called again and now they are saying I have to report this to the police. They continue to place collections on my account for the very same XXXX, to which I have never been, and I do not even live in the city XXXX. The entire situation was handled poorly. And they have ruined my credit. My XXXX score has dropped nearly XXXX points from this error. They are not helpful in resolving the issue. It is still not fixed. I have been going in circles for XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it.

Company public response: Company 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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I would like to upload you my loan statements so you can see how my payments have been misappropriated on my Parent Plus Loan. The times I 've called for explanation, the person answering the phone sounds like a college student and the only advice they give me is to " make larger payments on the principle and you 'll see the balance go down. '' I had complained several times that my balance owed NEVER GOES DOWN even after making regular monthly payments of $ XXXX/month. Last month they notified me that my monthly payment is going up. Early on they dumped {$10000.00} of capitalized interest into the loans which were in deferment while my son was in school. At least 21 months they applied none of my payment to principle, only interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of " there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Customer service/Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, 2016, I went to the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX US to cash a check that I received from Tuition reimbursement from employer, the cashier ask me if I have a account with BOFA I said no and he proceed ask me to put my finger into a ink and put into to the check and a XXXX dollar fee was going to be charge. 

I did all the procedure he asked and he grabs the phone on the wall and called the manager to look my check. 

Here is the worst part started the Manage, XXXX XXXX, Assistant Vice President, Financial Center Manager. 

He also had my Government ID in his possession and declined to cash my check. 
He also told me that he was going to call the company from the check and I told him that was fine if he want to call and he went inside and come less then 1 min he never call the company and looked in the computer again and decline for no reason to check my check. 

I proceed ask the Manager if he can explain me why his not going to cash my check and he said he can not change the check and can not give any reason. 

When I told him that I was going to file sue on the Bank him he told me to leave the bank and not come back to cash my check again. 

This is not the first time I have problem with Bank Of America I had similar experience couple year ago and never come and said anything, so this time will be different I will publish in all social media this discrimination. 

I was with my XXXX daughter with me and she started cry in the bank with his arrogant attitude and screaming on us to leave the bank. 


One thing I am sure that my check has fund and he discriminated me and my daughter at the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX. 

He does not give me any reason why he could not check my check and I am planning to sue this Bank for Discrimination.

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 2017-02-03 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: CO

Complaint narrative:
This is for both Federal and non-federal. I 'm writing to see how I can be included in the current Navient lawsuit. In 2014 I know I also made a complaint. Navient has : applied my payments wrong, refused an IBR payment plan and has refused to take a cosigner off, as well, as harassment. I have notes from 2014. This is has cause me a lot of money and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I had a couple hardships and was not able to work as many hours in previous years. I kept in contact with my creditors, including Bank of America ( Acct # XXXX XXXX ), stating when I was able, I would resume payment on my account. In XX/XX/XXXX Bank of America via FIA Card Services XXXX. reported a XXXX to the IRS with a XX/XX/XXXX date for {$23000.00}, which I then revised my XX/XX/XXXX taxes to include this XXXX and have been paying the IRS for this forgiven debt income. In XX/XX/XXXX, Bank of America started to report to the credit agencies that I have an open balance of {$24000.00} ( Acct # XXXX XXXX ). I have written Bank of America and received a letter stating that acct # ending in XXXX, case # XXXX has been charged off as of XX/XX/XXXX. Although Bank of America sent this to me, they still confirm to the credit agencies that my account has an open past due amount of {$24000.00} & with each credit card bureau, I have to fill out a form each time they resubmit as each time BOA resubmits my credit score drops significantly. This feels like harassment to me. Even though the credit bureaus note " customer disputes this item '', I still have to resubmit a research request form periodically each time Bank of America reports that I have an open, past due balance.

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 2017-01-19 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: MO

Complaint narrative:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady.

Company response to consumer: Closed with explanation