vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 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:
In XXXX XXXX, I obtained a $ XXXX home equity line of credit from Bank of America ( then XXXX Bank ). Unbeknownst to me, the terms of this HELOC were : 10 year draw period followed by a balloon payment, with no repayment period. The typical terms for most home equity lines of credit are a 10 year draw window followed by a 20 year repayment period. During the financial crisis of XXXX, I was forced to max out the line of credit due to financial hardship from unemployment. When the 10 year draw period came to an end in XXXX, BofA ( Bank of America ) wanted a $ XXXX balloon payment. I did not have $ XXXX saved up to make a balloon payment. Also, my loan-to-value ratio prevented me from qualifying for a refinance. This situation forced me into a modification agreement with BofA. During the modification trial period, my credit score suffered collateral damage by dropping XXXX points even though I continued to make timely payments to the line of credit. The modification was completed in XXXX XXXX with the following terms : 180 months, fixed payment of {$380.00}, fixed rate of 3.25 %. Fast forward 7 months, it 's now XXXX XXXX. I receive another package from BofA with new modification closing documents. I call BofA for an explanation. The rep said there were minor changes to my agreement that amounted to my payment adjusting in small increments based on the number of days in that particular month. I specifically asked if I still had a fixed rate of 3.25 %. I was told Yes. I then said I would n't sign documents until the terms were appropriately reflected in the new paperwork. In response, I was told that 's not possible and furthermore, that if I did n't return these documents, my modification agreement would be void. Hesitantly, I signed and returned the modification documents. Fast forward another month to XXXX XXXX. I receive my first statement from BofA post the new agreement. My payment jumped from {$380.00} to {$490.00} and there 's also a note stating that in the next billing cycle, my rate will jump to 3.75 %. 
I am beyond appalled. I was blatantly lied to and taken advantage of. For starters, I should have never been put into the situation of needing a modification in the first place. If Bank of America would have put me in a consumer friendly product like most lines of credit that have a repayment period built in, then this entire situation would have been avoided. Now for them to force me into signing a 2nd set of modification documents that were purposely vague, confusing, and misleading is beyond sleazy. This situation is deserving of corrective action on the part of 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 2016-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
A collection account mysteriously appeared on my credit report in the amount of {$2400.00}, after I filed a claim with the CFPB about a collections account from the same credit reporter that again was not attributable to me. This looks to be retaliation for using my rights in filing a CFPB complaint against the collection agency in question.

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 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. 

Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. 
I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.

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 2017-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.

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 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I refinanced my home a couple of years ago. At that time Bank of America required that we use only there approved appraiser, XXXX. At that time, the appraisal came in significantly below true market value, unbelievably low. I believe this appraisal was not honest since it was not a slight difference but a large difference in appraised valve verses what similar houses were selling for in my neighborhood. Nonetheless, i already invested at cost of this appraisal so i went forward with the load and was subsequently obligated to pay mortgage insurance. 
None my house in even more, with out a doubt, than the 80 % LTV requirement. XXXX houses, my next door neighbor and XXXX houses down, have sold for greater than XXXX. These are the same models as mine and i have a better lot. I owe XXXX on my home. This obviously calculates out to a meet the 80 % LTV requirement. However, when i called BOFA and advised them of all this and asked them to reevaluate, then said they would review this and send me a letter. The letter states that my LTV is less than 80 % and that i would need to get an appraisal with their appraiser of choice to reevaluate. I am reluctant to use their appraisal service, since i am concerned of a conflict of interest between BOFA and XXXX. I feel like they are systematically manipulating this process. I do not feel that they are being honest. I would like someone to independently review this for me and for the public. If they are systematically doing this to me, they are likely doing this to many others. I feel this is wrong. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
this debt populated unto my credit report ; do n't know anything about the company ; debt is not mine ; I want it it removed from my report immediately ; {$100.00} ; Monroe and Main ; XXXX XXXX XXXX., XXXX, WI XXXX ; Acct. # XXXX ; file a dispute with XXXX and they say acct. is mine and that it will stay on my report until 2022 ; this is not my acct ; I have file bankruptcy and have been monitoring my report tediously ; not my acct ; remove it please ; ; XXXX acct # XXXX ; dispute ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.

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 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This dispute deals with Bank of America dealing with XXXX. XXXX was not able to receive a payment from BOFA. BOFA stated the best thing to do was to file a dispute to get the money back in my account and pay XXXX. While filing this dispute BOFA contacted XXXX and had a payment reversed from a completely separate account. This resulted in the account being closed and put into a delinquent status. The other account with XXXX still has not received their payment. I have contact BOFA and spoken with online chat support, fraud department, claims department, customer service. I have contacted XXXX and they do n't have a solution either, they say it 's all an issue with BOFA system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.

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: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX we did a wire transfer to a beneficiary we 've known for a long time, using the wire transfer services from Bank of America. This was not the first time we wired the same company. We have for many times sent money from the SAME ACCOUNT and TO THE SAME ADDRESSEE. And at all times except this XXXX our supplier got the money with no major issues. This time the money was NEVER received and Bank of America says that there is nothing they can do if the other part did not get the money. They suggest me to contact the intermediary bank! HOw come? Is with Bank of America I deal with! This is at Bank of America I deposit our money and " trust ''. How come they CAN NOT BE HELD RESPONSIBLE for a wire transfer service if they charge to do it??? 

This is the information on the XXXX : XXXX XXXX : XXXX XXXX, XXXXAccount Manager XXXX XXXX XXXX XXXX Number for XXXX XXXX Number I received XXXX from Customer Service @ Bank of America XXXX XXXX XXXX XXXX XXXX - Ext XXXX email is XXXXXXXXXXXX and my ph number is XXXX

Company public response: Company 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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have not been able to find a job in my field as well as every time I had to pay a loan and I could not they offer me something and I accepted it but when I later checked my interest rates were really high and I accrued a lot of money over not being able to pay I do n't understand how over one year interest rates could have me paying that much money for something that I could already not pay due to not working all the agents I 've ever spoke with said this would help me out and this would be the best thing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I recently went though a divorce and was awarded the home. I called Bank of America to see what process I should take to remove my ex spouse from the home loan. I was informed that because I had no equity in the home that the only way to remove his name was do a home loan modification. I informed the representative that I am financial able to handle the note and did n't need to modify the payment. After talking to several representives they infirmed me that after the modification my ex name would be removed. While going through the process of modifing the loan. I was working with XXXX XXXX, who also informed me thay after modifying the loan my ex name would be removed. She also informed me to do a Quit Claim Deed.The following day I went down to court house and was informed that my ex had to file the Quit Claim Deed. I informed her of what I was told my the courts and she infirmed me to do the modification and his name would be removed. I did the modification to only find out that his name was not removed. I spoke with XXXX on several occations about this and she informed me to wait one year and do an assumption. I waited the year it and apply for the assumption and was denied. I called Bank of America and spoke to XXXX, XXXXr in the assumptions department. He apologized for the information that was relayed to me and informed that that under normal circumstances it will take one year for and assumption to take place ; but because of my situation I have to wait 2-4 years because I should 've assumed the loan and not modified it. I informed him that I did wait Bank of America representive told me to do to remove my ex name. Still it was n't anything that he could do to help.

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 2017-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Never was completely sure of amount to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
What my credit is stating I owe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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: NC

Complaint narrative:
I HAVE BANK OF AMERICA, AND I JUST RECENTLY WENT BACK TO THEM, I HAVE THEM FOR CHECKING AND SAVING ACCOUNTS, I GET A MONTHLY DIRECT DEP AND A EVERY 2 WEEK DIRECT DEP. THERE ARE SOME BILLS THAT I WILL PAY FOR VIA BILL PAY, I WILL COUNT THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT IN REF TO HOW I WILL PAY MY BILLS. I HAVE BILL PAY FOR A REASON, REALLY EASY AND CONVIENT. I USED MY BILL PAY THIS MONTH AND PAID CERTAIN BILLS THROUGH MY ACCOUNT, I KNOW THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT FOR ME TO PAY MY BILLS, I ALSO HAVE OTHER ACCOUNTS AS WELL. I SEE THAT BANK OF AMERICA WILL PAY FOR THE NON EMERG BILLS XXXX AND THEN MAKE THE LARGE BILLS COME OUT, BUT BY THE TIME I HAVE CERTAIN AMOUNT OF CASH IN THE ACCOUNT, I HAVE A OVERDRAFT. NOT ONLY DO I GET THE OVERDRAFT, I NOW GET THE BILL REPAID THROUGH THE BANK, EVEN KNOWING HAT I AM IN THE NEGATIVE THE BANK CHOOSES TO MAKE THAT PAYMENT AGAIN, WHICH I THINK ITS TOTALLY WRONG AND I BELIEVE SHOULD OR IS ILLEGAL, THAT IS THE WAY THAT THE BANK COULD MAKE MORE MONEY ON PEOPLE THAT HAVE ACCOUNTS WITH THEM, YOU SEEM AS OF MY START POINT I USED TO HAVE AN ACCOUNT WITH BANK OF AMERICA FROM XXXX XXXX AND FOR SOME ODD REASON I WAS GETTING A NEW CHARGE ON MY ACCOUNT, A MAINTANCE FEE. NOW I HAVE HAD THE SAME AMOUNT OF MONEY EACH MONTH AND EVERY 2 WEEKS. SO I AM NOT SURE IF I AM THE ONLY ONE THAT GOES THROUGH THIS, BUT I THINK BANK OF AMERICA IS TOO BIG FOR ITS BRICHES AND NEEDS TO REFUND ALL THE MONEY TO THE PEOPLE THAT HAVE ACCOUNTS.

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: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have repeatedly encountered unethical behavior from Navient, my loan provider. Since I began taking out loans in XXXX, I have had customer service representatives tell me via phone that my first option was to defer or forbear. They then told me what my full payment would be without Income Based repayment, asked if I could pay it, and when I said I could not ( it was approximately {$500.00} per month ) they said I could forbear. At no time was I offered the option of Income Based Repayment. I chose forbearance several times because Navient did not ever provide documentation or tell me via phone calls to customer service that I was eligible, or able to, have an income based payment. This has cost me thousands of dollars. Additionally, some of my interest rates have changed dramatically, from 3.2 % originally to 6.8 %, with no documentation, notice, or information available on my account on the Navient website. Futhermore, I was never told, in writing or over the phone, that Navient charged late fees of their own. On a phone call XXXX/XXXX/XXXX, when I learned about late fees from asking questions, the woman on phone said someone in " back office '' would mail me a copy of itemized late fees in 5-10 business days ( XXXX XXXX ) and that I should call XXXX if I need to follow up. I was told over the phone that since XXXX, I was paying {$67.00} per month just for my federal loan. This is far more than even some of my payments on my income based repayment plan. At no time was the late fee disclosed in writing, OR itemized on any of my statements I received from Navient. When I finally received documentation of late fees in writing, I saw that my late fees were {$6.00} per loan. There is still nothing on the website disclosing late fees on my account in any way in the online portal I use to service my loan. In the years since I began taking students loans in XXXX, and my final ones in XXXX, my total loan amount has over doubled and has continued to grow as I have finally begun an Income Based repayment plan. I believe these factors and situations demonstrate unethical behavior on the part of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: CA

Complaint narrative:
I currently have an issue with my student loan servicer Navient in the sense that they are trying to raise my interest and payments even though I have fixed 30 year interest and repayment schedule and I have never been late on my payment and have been making regular payments for over 12 years automatically deducted from my bank account every month on time. 

I 've contacted the loan service ( Navient ) and all they could tell me was they have looked at the contract and are increasing my payment, even though again, I have a fixed rate and have been paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation