vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted BOA in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that BOA would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America.

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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On numerous occasions I have had to escalate my calls several times to get any assistance with getting Bank of America to release my insurance funds held on a property claim. Not only am I having to deal with the stress of the tornado damage destroying my home, insurance process and rebuilding process, but when it comes to getting my money release to pay for repairs I should not have to be put threw the XXXX degree and have to call back a minimum of 3 times to get a payment released. I am told it only takes 2-3 days to get a check issued, but I have yet to get a check within a min. of 3weeks. 
In short, I can not solve the problem myself, and I do not want to continue to be provided the unacceptable service I have been provided. 
The last request for a draw on funds to pay the XXXX was submitted XXXX and no check has been issued and the bank could not give me a reason why. I need to bank to release the remaining funds being held so that I can finish rebuilding my home.

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 2015-10-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am a customer of Bank of America. I have XXXX separate credit cards. Back in XXXX I was in need of cash and was checking interest rates and fees with each of my credit cards for cash advances. I chatted with XXXX different Bank of America agents before I did the cash advances and I asked some simple questions : " What is the interest rate for a cash advance? Is there a transaction fee? What is the fee? What methods can I use to get the cash ( bank, atm, direct deposit )? 

At that time, XXXX agents I chatted with informed me that I would be a charged a very large fee of 5 % but they told me I would get a 0 % promotional interest rate until XX/XX/XXXX. Based on this information I went ahead with the XXXX cash advances totaling {$11000.00}. I was charged the 5 % fee as expected however when I got my next statements I was charged a very large amount of interest. I contacted Bank of America and the first agent denied my request to have the interest refunded. They said they needed proof that I was promised a 0 % APR that can be used at a bank or atm. I was accused of lying and was told that there was no way they told me they would give me 0 % for a cash advance. I did n't save those chat logs. 

Due to this, I did an experiment last Tuesday ( XX/XX/XXXX ) and I went online and enacted a total of XXXX chats with Bank of America through your website. The first chat I was n't provided any information and I saved the subsequent XXXX chats. Of those XXXX chats, only XXXX agent could answer my questions correctly. XXXX of the XXXX agents gave me incorrect information. XXXX of the agents informed me that I could get the 0 % APR with a cash advance through a bank teller or atm. XXXX agent told me I could get a 5 % interest rate with a {$10.00} FIXED fee. 

This was very alarming to me and I was hurt by misinformation given to me by Bank of America. I am sure many other customers have also been hurt by being given misinformation. My goal is to make sure no other customers are hurt by agents giving them incorrect information like offering a 0 % interest rate when the actual rate is 24.99 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14 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: AZ

Complaint narrative:
For many years i have been paying a fixed amount monthly for student loans. Recently Navient, the loan servicer, reduced the amount by approximately {$50.00} each month. Prior to the random decrease from {$590.00} to {$550.00} the amount applied monthly to principle was more than that applied to interest. After the $ 50 monthly payment decrease i am now paying more interest monthly than principle. I did not request or ask for a change in monthly amount nor was i informed of the change. There is no explanation for these actions except to extend time the loan will be in repayment. This complaint is in regards to the actions describe above and to shed light on this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This loan was included in a 2009 bankruptcy under XXXX and now under Navient they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: CO

Complaint narrative:
I was a victim of predatory lending through XXXX XXXX ( now Navient ). I was given XXXX loans at 12.8 %, 10.25 %, and 10 % and at the age of XXXX and just recently graduated from college at XXXX. During this time I have accrued so much debt through student loans that I now owe {$170000.00}. I am unable to make my monthly payments and my federal loans have not even been added to my monthly payments yet. The company has not been willing to work with me to adjust my interest rates and have only offered to lower my month payments thus making me owe more in the long run. These interest rates are not what the next generation of students are being offer and have resulted in me being inundated with so much debt that I am unable to start a life after college. These companies need to be working with their older students who have been stunted by a very flawed system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello, Thank you in advance for your time. Navient is the only debt collector calling about my private loans that I defaulted on. They call my father ( co-signer ), mother, grandparents, and XXXX aunts repeatedly. These calls are all going to their home phone. I asked Navient to stop calling. Navient calls my family from XXXX. Navient calls me from other numbers like XXXX. Can you make them stop? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
In XXXX, Countrywide sold my mortgage to your company. My payments were extremely high. I called the making home affordable hotline and we talked with a customer service representative with BOA. We discussed my options, and decided that a modification would be a solution. It was explained that documents would be sent to me to apply for permanent XXXX modification. The documents were sent to me via XXXX. The documents required me to get those documents notarized. I took those documents to my local bank XXXX XXXX XXXX and had those documents notarized by their notary. I then sealed those documents in front of the notary inside the return envelope that was sent to me by BOA. This documents was sent back via XXXX. 
Over the years, I have made several requests for BOA to send me the original contract of the first modification from XXXX. I was always told that you had those documents, and would send me a copy to look at the terms. I have never received a copy. I would like to see where the original contract stated that my modification would only be for five years. I was told that my modification was a permanent XXXX modification in the beginning, and that is what me and the XXXX counselor discussed with the customer service representative. 
On XXXX XXXX, XXXX, I received documents form BOA. Those documents did not include the modification loan contract from XXXX. BOA only sent an explanation of what the terms were. They also sent records of my payment history which show consistent payments throughout the life of my mortgage. My mortgage did not get in delinquent until the terms of my modification changed from a XXXX monthly payment to a {$1300.00} payment after a five year period. I applied for a another modification in XXXX XXXX and my payments went up even higher to {$1300.00}. I was told that it was based off my gross income and nothing else. However, back in XXXX ; I had basically the same gross income as I did in XXXX and in XXXX, and under the first modification my payments were {$720.00}. A modification can reduce your monthly payments and help you catch up with payments, because BOA was able to do that with my first modification loan. 
Lastly, I have been calling BOA to speak with the Home retention counselor who is assigned to me, and I have left messages and my call back number. I have not received any response at all. I was following the instructions in the letter that was sent to me from BOA that stated to call the home retention counselor because they had things in place to help ; such forbearance options etc. No one had gotten back with me even though I call daily.

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 2016-04-12 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:
Case # XXXX. After reviewing B of A partial response, I refute it. Loan ending XXXX - B of A ca n't forgive this loan, because they do n't have a legal claim, as evidenced by bankruptcy ct. ( please see submitted evidence ). After reviewing my Experience credit report, I discovered B of a erroneously reported the following late payments for loan ending XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I can provide payment and posting dates to refute this. Also, I discovered that they reported late payments for # XXXX for XXXX - XXXX XXXX - XXXX, XXXX, XXXX, XXXX. When B of a extinguished this loan in XX/XX/XXXX, I stopped making payments after talking speaking to a bank rep in XX/XX/XXXX. I spoke with their home team, equity loan, bankruptcy dept., and local branch. None of them ever refuted said extinguishment. Curiously, I did n't make payments on defunct loan # XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never heard a peep from them. Clearly, B of A is guilty of malfeasance in regard to this loan, and have completely destroyed my credit. I own XXXX properties with mortgages all paid continuously and timely through 5 years of bankruptcy or I would n't own them now! I would expect this sort of chicanery from a loan servicer. From my perspective the only thing B of A is committed to is committing fraud on the consumer. Once again I maintain that if my e-mails server and that of my former attorney, XXXX XXXX, were sub-poened from the time frame previously indicated, that I would be completely vindicated in my claim. B of A responded by claiming I did n't cooperate by not sending them a copy of the extinguishment. That 's insane thing to ask of your customer, what happened, they lost it?

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 2015-05-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The Bank simply refuses to provide me with an accounting of the total amount due to bring my balance current. I mailed a certified Debt Validation letter to them, and all they will provide is a payment history from XX/XX/XXXX - XX/XX/XXXX, a copy of the Note and Deed of Trust. They will not provide an accounting from XX/XX/XXXX to present at how they arrived at a {$180000.00} amount currently due. They remain in violation of the FDCPA and do n't care. I was hoping to work out a settlement or loan modification with them, but ca n't until I know what the real balance is .... not just an inflated amount they pulled out of their hat. At this point they just want to sell the home, and remain unwilling to comply with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: AR

Complaint narrative:
In XXXX XXXX while I was deployed to XXXX, my parents co-signed a student loan for my spouse in the amount of {$26000.00} ; the loan was initially financed through XXXX XXXX and later sold/transferred to Navient. My spouse and I separated, and later divorced in XXXX. 
In early XXXX, due to my mothers failing health, my parents attempted to refinance their home, only to discover, since my ex-wife had not made payments and the student loan was in arrears, their loan was denied. 
Upon contacting Navient, my parents were told my ex-wife had repeatedly been granted deferments to take additional classes in additional to not making payments. At no time, as the co-signers, were my parents notified or conferred with when she deferred the loan to take additional classes or when the loan fell into arrears. 
We have been unable to contact my ex-wife ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered and/or been unsuccessful. 
The loan which started at {$26000.00} in XXXX XXXX is now {$33000.00}. 
Parents : XXXX and XXXX XXXX XXXX XXXX Account is under the name XXXX XXXX ( maiden name XXXX ), # XXXX # XXXX DOB XXXX XXXX XXXX If you need a XXXX contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had set up an automatic payment with Bank Of America XXXX credit card to be paid every month {$500.00} from my personal account. In XXXX 2016 I had a credit of {$480.00} and the ACH payment keep being send to the credit card every month by XXXX 2016 I had made {$2400.00} payments with out using the card. This means a credit I had a credit of {$2400.00} I called several time letting them know that i had stop the automatic payments authorization online and I was being deducted this from my bank any ways they said I had to call my personal bank directly. Finally in XXXX after many calls I had to ask my personal bank XXXX to do stop payments of this. I called XXXX and ask for the rebound of my payments made. 
Total credit I should had was {$3900.00}. In XXXX XXXX at XXXX pm I called and spoke to a costumer service rep called XXXX, she help me out and told me a credit was going to be send to my account in XXXX. I only received {$1500.00}. In XXXX XXXX at XXXX am I spoke to a costumer service rep named XXXX and she told me a check was send to my house which I never received XX/XX/2016 for {$2400.00} she confirmed check was not issue and it must have been lost in the mail. She help me to process the payment again to be return to me as the last one was return directly into my XXXX account, she said it will take 10 business days. I called again today XXXX XXXX, 2016 and I spend an hour over the phone and none one was able to tell me what happen with this reimbursement and no word on why it has not been process.

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 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Reference Case # XXXX Still having great difficulty communicating with BOA applicable employees/customer service reps/robots. None of the latter return phone calls, have voicemail, and obviously do not listen a/o care about any such msgs left on their extension #. It 's either incredible or purposefully planned this way by BOA management ( XXXX ). If ... ... ... .because of BOA 's deliberate/disinterested lack of support and response ( s ) the short sale offer on our waterfront lot is withdrawn by the interested buyer, what action ( s ) can we take vs. BOA?

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 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
The number is calling my cell phone number, my brothers number, my parents, husband and my work direct line constantly for the past 2 months. They have also called HR at my work XXXX to try and get them to verify employment by giving my SS #. When asked for caller information, she refused to give it.I refuse to talk with them or verify anything until they state who they are.

Company response to consumer: Closed with explanation