vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Here is the situation, Bank of America, my mortgage company, placed forced insurance on my home ( I also had homeowner 's but it expired during this timeframe ). In XXXX in the fall right around the time of Hurricane XXXX, a 200 year old tree fell on and halfed my house, taking out XXXX bedrooms, the roof and more. 
I notified the bank and after a long time an adjuster came out and a determination was made that the damages amounted to over {$80000.00}. Well, since XXXX, Bank of America, despite calls and letters, has not released any of those XXXX repair funds and my home has been broken into, items stolen, rain, mold, further damage has been sustained and I have requested that the full insured value of the home insurance policy be released over {$300000.00} based on new damages due to the fact that the bank was untimely and has withheld ( and still is withholding the XXXX repair assessment PLUS EARNING interest ). Previously they released in XXXX funds they had held onto and earned interest on ( though they did not give me the interest earned XXXX from XXXX and XXXX in XXXX!!!. The home now needs to be DEMOLISHED and completely rebuilt which is why I need the full value of the forced Bank of America forced insurance policy NOW. We have been unable to occupy the home since the damages and the place we were renting is now being sold and we are homeless and living with relatives out of state. My loan was recently modified by the bank but I told them I can not afford to pay the mortgage for a home that is condemned and we ca n't occupy AND pay rent. Please force BOA to release the full value of the policy so the home can be demolished and rebuilt. I am also incurring fines/fees from XXXX XXXX based on the condition of the property. I have written to BOA, contacted XXXX XXXX and XXXX and XXXX, who helped me purchase the home in XXXX. 

Bank of America has placed forced insurance on my home in the past and when claims were filed NEVER paid them out and added insurance onto the property though they had documentation that I had purchased my own homeowner 's policy. Now they have been holding onto the insurance repair funds for OVER three years while the property steadily deteriorates and expects me to pay the mortgage for a place that is uninhabitable and can not me made habitable because they have not released the insurance funds to repair it WHICH are No Longer Enough to repair the home which has toxic black mold, water damage, animals inside ( squirrels, mice, raccoons, etc. squatters, thieves have ransacked it and my personal contents. ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: FL

Complaint narrative:
as stated in the last response from boa XX/XX/2016 my modification was filed.the mod agreement payment is XXXX the XX/XX/XXXX statement reflected XXXX .i called XXXX the account rep he stated that that was incorrect and to pay what is stated in your modification.the payment made was XXXX and it was recvd by boa 2 days prior to the due date.boa charged my XXXX late for and XXXX partial payment no full payment by XX/XX/2016. and this will again appear on my credit ... .please something should be done to this financial institution that can not seem to correctly handle their customers finances

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 2016-07-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Someone stole my identity and used it to open a fraudulent credit card with Montgomery XXXX to purchase merchandise. The first time I heard about, I received an invoice from Montgomery XXXX for products that were shipped to a different address than mine. That should have been a " red flag, '' which they ignored. I contacted them by telephone to advise them about the fraudulent credit card. They promised to take action and did nothing. Since advising their credit department, I have written several letters explaining the situation. However, they actually let the criminals charge more goods, and continue to send me invoices and reminders about payment. I am at wits end. Today, I received a letter from them stating that they have heard nothing from me, which is a lie. I believe they have tossed my letters into the trash and continue to harass me. I wonder if Montgomery XXXX is a legitimate retainer, or a scam organization. Please let me know what I have to do to get these predators out of my life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My loan was recently transferred to Navient. I have received multiple emails, calls and letters about renewing my income-based repayment plan in recent months. Each time I call, I am given different, contradictory information and told I have to call back at a later date. Half of the time, the call is dropped, and I have to call back and start the process over again. Eventually, after at least six calls over two months, I was told I had to make an extra payment to exit income-based repayment. At fist, I was told that one-time payment would be credited toward my next month 's payment. But after I agreed to the one-time payment, I was told my next payment would still be deducted. Given this frustrating experience, I have no faith that anything I am being told is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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: IN

Complaint narrative:
There is a loan for which I co-signed for a college student. This student has had very a difficult time repaying the loan. He has contacted Navient on numerous occasions to try to restructure this loan to make it easier for him, but they will not help him. He has XXXX XXXX XXXX, and the cost for his insurance and XXXX take the majority of his monthly income. Navient services this loan. If he is less than a week behind in making his scheduled payment, Navient begins calling me. As the past due time continues, they may call me 3-6 times in a day, calling my home as early as XXXX or as late as XXXX, calling my business provided cell phone the same number of times. They will not work with him to adjust the current terms, and will not consolidate this loan with his other loans to create new terms.. on loans which they also service. Currently this loan has a payment that is scheduled to be made from the student 's bank on XXXX XXXX 2016. When this payment is made his account will be current ( at least for now ). Despite this arrangement, which I have had Navient confirm for me over the phone, they call me a half dozen times a day demanding payment. 
There was a time when I was willing to take this loan over and just pay it to stop the calls and the stress ( I am not going this route currently, as I need the student to take responsibility for his loan ). However, at that time, I begged Navient to adjust the terms of this loan for which they were holding me accountable. They would not adjust anything on the loan to meet my needs and financial situation, despite holding me responsible for the repayment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received a letter in the mail a couple of weeks ago stating that my student loan payment was being reduced because of a government ruling. It dropped a few dollars. 
Then I received another letter in a non-descript junk mail looking envelope. I opened it and it stated that my payment had dropped because they were reseting my loan to the maximum term under federal guidelines..My monthly payment would go down but the overall cost of my loan would increase. 

I immediately called them to correct the situation. Had I not opened the letter by chance I would not have known, and the provider would have gathered an extra year of interest fees. This was from Navient. It was very deceptive and with the sole purpose of trying to slide by an increase in my payment amount over time. 
This is not forthright or ethical, downright sneaky and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 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: IL

Complaint narrative:
I took out over {$100000.00} for an XXXX degree. This was foolish. I graduated in XXXX, and found a job at a school making around {$16000.00}. For many years I missed payments. Depending on the credit agency you consult, I 've made between 59-65 % of my payments. I am current with my loans as of today. I am making {$32000.00} a year or {$2000.00} a month, and paying a little over {$1000.00} a month in both private and federal loans. After taxes, I 'm effectively making around {$12000.00} a year. Navient, to whom I pay around {$800.00} a month, will not provide another payment option, and I 'm not sure I would want it if they did. If my payments were much less, they would no longer cover the interest accrued that month. Since I took them out, my loans have grown by {$10000.00}. Furthermore, I have no hope of paying this off in less than XXXX years. 

Frankly, if I were to default and Navient and the federal government garnished my wages for the rest of my life, I 'd still end up paying significantly less per month than I do now, at least under Illinois law. 

I admit I was naive to think taking out such enormous loans for a degree in XXXX was a sound investment. But there were hundreds of trained professionals at XXXX XXXX ( now Navient ) who could have decided these loans were predatory and did nothing. No sane individual would think giving someone over {$100000.00} to study XXXX at an unknown private university would ever return reasonable dividends. But I was the first person in my family to go to college, and believed the hype about college as the XXXX to employment and success, when for me, the reality is I would have been much better off without it, or at least this particular degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: NJ

Complaint narrative:
This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like BOA, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves.

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 2016-04-08 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: PA

Complaint narrative:
I am unable to make teh required payment on my private student loans from Navient. I have requested that they only contact me via mail on this matter and that they no longer contact third parties ( friends and family members ). They continue to do so however, and are claiming in their most recent letter that tehy can do so. I 'm attaching that letter and my response. 

Thanks you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I currently have XXXX joint student loans with Navient. For over the past 6 months, my daughter and I have been trying to determine how the funds we are sending each month towards these accounts are being credited. Navient has listed XXXX account delinquent over 60 days. After several unsuccessful calls directly to the company, regarding how the funds are being applied I directed them to contact my daughter. I have continued to send funds on XXXX loans, but until there is a clear understanding of where the funds are going that my daughter is sending has provided Navient a clear field to report this account delinquent. In addition, I get several telephone calls per day demanding payment. Their representatives are very unprofessional. There have been times they can not answer my questions and although they will acknowledge receiving a payment ( not the full amount ), their reps can not explain how the funds are being applied. I have asked for explanations in writing and assistance to help bring the balance current. I have been given the option to accept a resolution over the telephone yet the company has denied providing me the information in writing. I just want this account to reflect correct information. All my other creditors are being paid timely ; however, Navient has refused assist me by providing clarity of this account and how the funds they received are being applied. 
Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2014, I noticed approximately a {$13000.00} credit on my credit card with Bank of America. I called the bank to inquire what it was about, and I was told it was a refund for them overcharging me for interest paid while I was covered under the Servicemember 's Civil Relief Act ( I 'm in the military ). Unbeknownst to me, they issued a XXXX, which caused the IRS to send me a XXXX Notice saying I owe over {$2500.00} in taxes and interest. Being that this is a refund for overcharged interest, they issued an erroneous XXXX, which the interest that I would have paid originally was post-tax income. After searching the internet, I have found numerous other military personnel whom this has affected.

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 2016-04-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello Team, I purchased airline tickets with XXXX worth {$3000.00} using my bank of america cash rewards card on XXXX. It attracted foreign transaction fee of {$91.00}. 
On XXXX the transaction was cancelled by airline. I spoke to BoA associate on XXXX asking about why transaction fee was applied and if this will be reversed if the transaction is cancelled. He said yes these fee will be reversed. 
When i see the account ledger today I see the base amount of {$3000.00} is reversed but not the fee. I again spoke to associate today and she said they can not reverse the same. 
I dont understand if the service itself is not utilized why there is a fee. 




Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: FL

Complaint narrative:
A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains " an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to 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 monetary relief