vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Hello, I want to file a compliant about Bank of America, I have been had problems with this organization for years. I could go on and on, but for now I want to submit a complaint about my current issue. In XXXX XXXX the renters I got to cover my mortgage payments up and left with over {$3000.00} dollars in damage and unpaid back rent. I was forced to leave my home in XXXX XXXX because my Husband killed himself there and my children were diagnosed XXXX and had been given medical advice to leave the home, we had to move! BOA was notified of this and would not work with me to lower payment or even return my calls. I was able to rent the home until XXXX XXXX. At this point I contact BOA and told reminded them I could not return to the home and the mortgage was to high to find renters to pay it. Again, had very little response. In XXXX after repeated phone calls and getting the run around I was finally contact and told to submit documentation for a modification. I had to submit and re-submitted 3 times, same documents and got not resolution. They in XXXX XXXX may case was set to some contractor, not BOA, who again asked for same documentation and finally denied my modification and told me I would n't qualify because I can live in the property. Ugh!! why did n't I get that information originally BOA knew all along I could not live in the property! Then I applied for short sale approval and got sent to another contractor of BOA and they did nothing accept call each couple of weeks asking if I had questions. Again I kept voicing my complaints and getting no answers. Finally in XXXX XXXX someone for BOA took over my case and I was told everything would be resolved in a month and now we are entering XXXX XXXX still no resolution or update on progress. I have submitted all my documentation and tried countless times to come to a resolution in the mean time my credit is getting ruined and this nightmare situation continues because know XXXX at this company can do their job or come up with a solution for my situation. I have filed complaints with better business bureau and everyone say " Oh Bank of America, Sorry but we ca n't do anything but log your complaints '' I am so frustrated and do not have the money to sue this company for all of the problems they have caused me, but I wish someone would help me resolve my situation. It is destroying me financially and mentally!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: CA

Complaint narrative:
We are in the midst of refinancing with Bank of America, with supposed date to close escrow today. The overall communication is very poor with Bank of America. We get inconsistent emails and phone calls on the progress and requirements needed for loan documentation, and the worst item is that our appraisal report was incorrect. The B of A loan manager still stated that our home value ( which we dispute ) is still the same and we still have to pay the appraisal fee. We 're sticking with this refinance as the locked rate is low and fits within our budget, but I want to know is there any accountability that Bank of America and XXXX Appraisal? We also request that we do not pay for the inaccurate appraisal report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America froze my loan. They, the home equity line of credit division, told me that my house had lost equity. Therefor they had to freeze my loan. I got comps showing that my house had increased in equity. Then they said that my credit report was not good. I got copies. They admitted to me and to XXXX, loan officer at Bank of America, XXXX XXXX, California, that my credit was good. And it is. Then I received a notice saying that I had material changes in my financial circumstances and they would have to freeze the loan. This, freezing my loan, took place in XXXX, XXXX and has continued since. 
I asked to see a signed copy of my contract. They do not have one. They have stalled on this now for nine months. I had insurance should I not be able to pay my loan. They said I had cancelled it. I asked for a signed copy of such a cancellation. They do n't have one of course. 
They have also claimed that they had to freeze my loan because of liens. Those liens were on my home since XXXX, well before I established the line of credit. 
I have continued making payments, have asked for proof. Every conversation I have with them tells me that they intend to take my house and they will listen to nothing. Here 's the thing : The comps say that my house is valued at {$230.00}, I currently owe only {$22000.00}. My realtor, as I have my house up for sale, represents bank of America with foreclosures in my area. She claims she has seen B of A do this same scam with others. 
So ... I had arranged to leave the last {$3000.00} untouched and use for payments. The bank has put unnatural pressure on me by freezing my loan. 
So what happened next.? First they charge me late fees when there are n't any. ( I have made sure XXXX XXXX B of A monitors all my payments now. ) They have raised the amount of pay back to XXXX rather than XXXX or 31 days three months in a row. XXXX has practically yelled at them over the phone telling them they ca n't do that. XXXX XXXX used to work in B o A loan department. ) An employee in the department confided to me that they should n't be doing this to me. Her name is XXXX. XXXX I had a recording. XXXX, XXXX of B o A XXXX XXXX fought for me. Just retired. He thought what they were doing was ridiculous. 
Next I get a letter from B of A saying that my loan expires on XXXX, XXXX and I will either have to pay back loan in full or I will be paying much larger payments per month. This last loan began in XXXX. And already I have to pay it back in large sums. 

My issues are XXXX those listed at the bottom of this page : Making payments, signing agreement, problems when you are unable to pay..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CO

Complaint narrative:
this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of American Mortgage Loan which I secured in XXXX for property, XXXX XXXX XXXX XXXX, XXXX GA. Since, XXXX Bank of American removed the Mortgage Payment History regarding this Mortgage from my Credit File. I have contacted BOA on several occasions and requested their assistance with placing my payment history for this particular mortgage BACK TO MY CREDIT FILE. 
Attached you will find a copy of a current Mortgage Statement for payment for this Mortgage along with a recent copy of my XXXX Credit Report which still reflect NO REPORTING of my Mortgage and/or Mortgage History from BOA which I disputed with XXXX. 
It would be much appreciated if CFPB can assist me with getting BOA to come into COMPLIANCE WITH the FAIR CREDIT REPORT ACT!

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 2017-02-27 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: PA

Complaint narrative:
My account has been in force since XX/XX/XXXX till suddenly closed on XX/XX/XXXX by Bank of America. On XX/XX/XXXX, B/A informed me that my home equity line of credit is scheduled to end on XX/XX/XXXX. XXXX XXXX, B/A Home Eq department stated via phone that this is in error, as the terms of the agreement were to be for 15 years, and could not end till XXXX. 

B/A Home Equity Supervisor XXXX on XX/XX/XXXX, or XX/XX/XXXX stated by phone she could not understand why I could not have access to my account before XX/XX/XXXX, so filed for review, # XXXX, and told me I would hear within 3 business days. It is now past 5 days.

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 2017-01-21 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: MA

Complaint narrative:
My Loan Service Company is Navient and I feel that I 've been mistreated over the last 2 Years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Constant daily robot calls from the CBE group with no person on the other end, just a recording. Calls come morning and night XXXX to XXXX times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks

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 2017-01-27 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: NY

Complaint narrative:
I am in income-based repayment status with Navient. Several years ago, I was an XXXX XXXX, which paid the interest on my student loans during my year of service. However, Navient capitalized all of the interest from that year, adding it plus more to the loan principal after having accepted the government 's payment on the interest. Additionally, I paid the full amount of my XXXX XXXX award toward my loan principal, and Navient applied all of it the interest. Since that time, they have included a line item for " capitalized interest '' at the beginning of every year, causing my loan balance to increase every year, though I am making substantial monthly payments. There is no one at Navient to speak with about these issues, and it appears they are increasing my monthly payment from {$750.00} to {$1600.00} as of XXXX XXXX. I will continue to try to reach someone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a XXXX co-branded card issued by FIA/Bank of America. XXXX has decided to change card issuers but I wished to remain a FIA/Bank of America customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.

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 2016-11-04 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, I was only approved for only {$1000.00} limit BofA Credit Card BECAUSE BofA said in writing I still had a {$50000.00} open line of credit with the firm! 

the bank stated the personal commercial line of credit for {$50000.00} was still open at prime plus XXXX pts and i was welcome to use it. When I tried to use it, I was told it was too old to use anymore and that I had to request it be closed and to ask for a new one that meets current BofA loan guidelines. So I did. but, no one has updated my credit reports to show it was closed, never late and paid as agreed. 

I have spent the past five months haggling with BofA mortgage dept to close the commercial line of credit and update my credit report it was paid in full & never late to no avail. That is a FCRA requirement! it has been open since XXXX and never closed by BofA due to negligence! 

I also asked them to terminate my personal Guarantee as well. I received a letter XXXX XXXX, XXXX that the loan was finally closed and my guarantee was terminated and that the credit report would be updated as paid as agreed, never late and closed. THAT NEVER HAPPENED! 

BofA archives Dept, Credit Card Dept, Commercial Mortgage Dept and Executive Resolution Dept each apologized for the FIVE month mixup until today. 

In a letter XXXX XXXX, XXXX, Pa A Mortgage some Resolution Specialist threatened to sue me if I contacted the bank again. I consider this an FDCPA violation and an FCRA violation and I want CFPB to order BofA to update the XXXX major Credit Reporting agencies I paid my bill off as agreed, never late and it is now closed! 

ALL I WANT IS MY CREDIT REPORT UPDATED THAT THE LOAN WAS PAID OFF AS AGREED, NEVER LATE AND CLOSED XXXX XXXX AND THAT I AM NO LONGER LIABLE!

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 2015-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am resubmitting my claims from a previous complaint from case XXXX and XXXX XXXX. I thought this was a XXXX card but it said Bank of America. I went back and looked at my credit report to see if I had any judgments for a Bank of America card and I do n't even see that I had a judgment or even ever had this card! I have never had a card in this amount of almost {$14000.00}! This law firm sent me a letter telling me they had been sold my case and would be reviewing it and now I am getting a garnishment summons!!!!!!!! I will sue everyone, if they do not correct this now! I have already contacted a lawyer. I never received a judgment or notice that they would be garnishing my bank account. And now I get this summons!!!!! This should be fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I 've complained about BoA unnecessarily delaying crediting my account because they want to float my money for weeks, and it 's become clear that BoA 's need for greed has again surfaced. TOday. XX/XX/2016 I attempted to deposit a check from my XXXX retirement account to my BoA checking account, as I have on many occasions at this branch only to be told that " the computer '' said there would be a delay in crediting my account because of the size of the check, which was $ XXXX. The last time they pulled this the check was at or just over $ XXXX and held me up for 2 weeks while they used my money to inflate their balance sheet. On most of my transfers between my XXXX account and my BoA account I deposit the money one day and it 's available the next. I do n't care if they report the deposit to the government in an effort to prevent illicit money laundering, or other criminal behavior, I 'm glad they do, but I 'm sick and tired of them holding me up in order to use my money for their gain. The BoA bank agent said that the " computer '' told her the bank had to hold the funds, and although she did n't say it would be 2 weeks, that is what it was the last time they pulled this trick. Actually they pulled it with a BoA credit card refund as well and I think I complained about that too. BoA is run by a bunch of bandits and they need to be fined or jailed. I would n't be writing if I was a new depositor, or this was a first time transfer between these XXXX accounts, but I have a long history of making these transfers to cover family expenses that exceed my limited retirement income. I had the branch cancel the deposit and return my check, which they did and I told them I would file a complaint with the government, which I am. Congress wont lock these thieves up, I will if this was an illegal act. 

" The computer said '' is not a satisfactory excuse and unless there is Federal Law that says they have to delay giving me my money, this is not only horrendous customer service, if it was an illegal tactic then I want the appropriate penalty to be levied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In violation of the rules and regulations of the united states consumer financial Protection Bureau., someone left me a message. It looks to me that it is male based on the consistency of his voice. He claimed that he is from the Executive office of Bank of America. There is no caller ID number which could prove whether it is from the bank or " No Number '' do not show my number. It implies that there is eavesdropping which is organized by evaders or their unconventional wisdom., which is fundraising trick as hot as is., in this election cycle. Would anybody let anyone leave message with no communication or FCC rules and regulations respected? I do.

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 2016-10-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America have once again destroyed all home loan mortgage account modification, loss mitigation, and workout assistance related documents and documentation contained within the Bank of America created, maintained, managed, and supervised borrowers Home Loan Modification Status iportal, My Documents tab page. 
I have been unable to navigate to the My Documents tab page of the borrowers iportal since XXXX XXXX, XXXX to today, XXXX XXXX, XXXX. When I was finally able to gain access to the My Documents tab page, every document had been deleted from the list of uploaded and received documents. Even now, I continue to be unable to upload documents directly to the iportal. 
Bank of America continues to destroy my home loan mortgage account records without justification and explanation knowing that when Bank of America destroys evidence the burden of proof shifts to the destroyer of the evidence. 
Bank of America has been trying to create a record that supports their knowingly false position that I have not submitted a complete Request for Mortgage Assistance ( RMA ) application package since XXXX XXXX, XXXX. One of the ways Bank of America representatives thought to do this was through the intentional destruction of the record and documents uploaded to the borrowers iportal. 
I have noticed that the borrowers iportal is no longer supported with technical assistance by an independent third party. This strikes me as unusual, but not when put in the context of Bank of America and their representatives misconduct, mismanagement, and mishandling of the borrowers iportal including, but not limited to, the destruction of per, private, and financial documents, information, data, and records.

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