vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Good afternoon, hope all is well ... I have tried to get the bank to remove this off my credit report ... According the them we were late on our payments for over a year, which is not correct we have made every payment on time, anyway they end up selling to another lender whom we have also never been late with ... please if you could remove this from my credit report, it is Home loan services account # XXXX ... thank you in advance. 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 explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Abusive harassment over the phone. 
Online access to account wo n't work after reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: OH

Complaint narrative:
They call 5 times a day for a person who does not live here. I 've told them multiple times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a credit card account with Bank of America until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and bank of america is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports.

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 2015-07-28 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: NJ

Complaint narrative:
Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It appears the debt attached to the XX/XX/XXXX Deed of Trust associated with my account may have been sold multiple times between XX/XX/XXXX and XXXX, and not through a Trustee 's Sale at public auction as represented to me and the public by Bank of America and their named Trustee, XXXX XXXX XXXX XXXX ( XXXX ). This deliberate action amounts to fraud ( a knowingly false representation ) on a mortgage, Deed of Trust, or real estate and property and possibly Racketeer Influenced Corrupt Organizations ( RICO ) Act violations as prohibited by law. 

While Bank of America through XXXX caused to be recorded at least one Trustee 's Deed the next business day following Trustee 's Sale at public auction according to county records, Bank of America, through Trustee XXXX, took eleven ( 11 ) days to record a Trustee 's Deed related to my property after the day of auction and sale without explanation as to why such a delay occurred. On the face of it, the reason appears to be the withholding of the recording of a public document until a named bona fide purchaser ( BFP ) XXXX be had and named within and on the Trustee 's Deed, an official public document, thereby attempting to avoid any appearance of unlawful activity related to a mortgage, Deed of Trust, or real property. 

It is to be noted Bank of America has no authority to begin foreclosure and property separation processes while the modification process is pending, as a matter of law. 

All applicable Acts and other regulations, statutes, guidelines, and rules of law. 

All previously mentioned resolutions are desired and mandatory.

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 2015-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have already filed a complaint with CFPB but i need to notify you about this. 
My home was sold in foreclosure on XXXX/XXXX/15 while being in a loan modification. 
The bank ( Bank of America ) legally foreclosed on my property and violated the Homeowner Bill of Rights. 

" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' XXXX Please help in getting my home reversed from the bank due to negligence of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
This account was paid by me even though I was not provided any proof that I owed the debt and then they placed a statement on my credit file that is not true. " Paying under a partial payment agreement '' This statement is not true. I asked them to provide me the name and address the doctors, the date and type of medical care, and to who the medical care was provided. I also want to know who is providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Also, my insurance company told me they paid the whole amount of the debt. They have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
When I returned to school to earn my XXXX, I called XXXX ( now Navient ) to lower my payments. They recommended in school deferment, which I accepted. After XXXX years, my repayment amount had increased by thousands. I was n't made aware at the time that there were other ways to reduce my payments without incurring so much interest. 

In addition, when I got married my bank account information changed. I used to have XXXX monthly payments that debited from my savings account. With the joint account, Navient started charging each loan payment separately, over using my savings account and prompting bank fees. I tried for several months get service assistance to switch me back to XXXX payments. Each time I called, I waited over XXXX minutes to reach a human being. When I finally did, it took XXXX different calls with different people to actually make change and get it to stick. I 'm down to XXXX payments rather than XXXX, nobody can explain to me why they ca n't condense the last XXXX payments into XXXX, and I 've given up. 

Having such awful response time and customer service seems to be how Navient does business. They waste customers ' time and wear us out until we 're willing to tolerate only the minimum of assistance. 

I had my XXXX loans serviced by XXXX and they were AWESOME! Helped me through the process of applying for XXXX even though it meant those loans going to XXXX. I 've tried to get Navient to similarly assist me in rolling over my consolidated federal loans, but the XXXX day I had time to wait XXXX minutes for a person, they seemed to have no idea what XXXX was, much less how to get my loan into the program. 

If I thought I could give all of my remaining loans to XXXX I would, but nobody seems to know how to make that happen or how much it would cost or what my rate would be. I 'm scared of losing the ground I 've gained, but I 'm also spending the bulk of my income on loan repayment. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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:
I am making a formal complaint against employees at the Bank of America Branch in XXXX XXXX XXXX XXXX. This was a bank I used to frequent but due do recent events I stopped going unless I had to.There have been at least 4 or 5 occasions where I came in to get help with an issue and was unsuccessful.Instead of getting help I got a laundry list of excuses of why they could n't or would n't I should say.Not to mention the attitudes of the employees there ( Especially the branch manager ) stink.There have been times where I 've seen some of the employees casually standing around or chit chatting among themselves while they have a long line of customers only leaving XXXX or XXXX tellers to deal with the frenzy.For the record I am not the only one who has gotten irritated by this as I can hear other customers at the branch complaining about the exact same things. Keeping in mind they boast about having excellent customer service but clearly have no interest in servicing the customer. It should also be noted I never have gone through as much of a hassel with any of the other BOA branches.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America file false insurance claim and cash insurance check with my name on it without my approval or signature. Bank of America claimed a property was vandalism on XX/XX/XXXX. A tenant was in the property and this is NOT true. They claim a window, door, deadbolt lock, ac, dishwasher, and light fixture. It 's never been a dishwasher in the property there is no space or connection for a dishwasher. They made the claim in XXXX because they new I had insurance in XX/XX/XXXX and this is the last date they could make a claim. They have no report to verify this claim. They are doing this on many property. I 'm aware that they did it to someone else as well. I surrender the property in a bankruptcy. They did n't take possession of the property until XX/XX/XXXX. Bank America Foreclosed on the property and then filed a report for the last date of my policy. Bank America is making false claim on property because they know that the average home owner will never know. Bank of America did n't have possession of the property until XX/XX/XXXX. They gave the tenant cash for keys in XXXX. This is a false claim.

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 2015-06-02 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX Mortgage XXXX is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America failed to do a valid XXXX appraisal in a value dispute. The original appraiser they used failed to do a conplete evaluation resulting in BOA rejection of my short sale offer. 
Appraiser appears bogus XXXX XXXX hired by XXXX XXXX XXXX ( none working number? ) State ID XXXX. His report ommited crucial repairs that would reduce value significantly ..

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 2015-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank wrongfully allowed a stolen check made payable to me to be cashed a second time after I had already deposited it via the Chase mobile app. I clearly wrote the words " DEPOSITED ON XXXX '' on the face of the check after the deposit was successfully made on that date. When the criminals cashed the check on XXXX/XXXX/2015, the funds were debited from my checking account even though the crime had been reported to Chase on XXXX XXXX. This action has put my account in the negative and Chase is refusing to take responsibility to rectify this matter. This is unacceptable! I was victimized and as a long-time Chase Bank customer I deserve to be protected by them not disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: MD

Complaint narrative:
XX/XX/XXXX I graduated from XXXX XXXX University and soon after began my loan repayment through XXXX XXXX. About a year later I became a teacher and applied for the loan forgiveness program. At that ime I was given the information that my XXXX loans would be consolidated and extended to a 20 year term with a monthly payment of {$280.00}. It was my complete understanding that if I made this payment as a public service employee consecutively at XXXX payments, The remainder would be forgiven. I later found out that I did not have XXXX XXXX anymore because it switched to a company called Navient. Navient is telling me that my last payment is on XX/XX/XXXX and that the last for years of public service do not count because my loan was extended. I called XXXX XXXX to get my records and I was told that Navient has everything and XXXX XXXX can do nothing at this point. Navient is giving me a few options, but it has really taken a toll on my financial situation as well as mentally. I find it very difficult to understand that instead of having approximately 5 years left of payments on a student loan, I now have 15 years left. At this point I would be repaying about double my original loan. In addition, my other option is to repay in their program that is aligned to my salary. This would also restart my XXXX payments giving me a total of 14 years of repayments. Navient is telling me that since my loan was extended I did not qualify the past four years, therefore they do n't count towards my loan forgiveness. Even if I show proof of records somehow through XXXX XXXX, Navient made it very clear that this can not be undone. I am a XXXX Veteran and even the Veteran side of Navient can not do anything. I am deeply saddened by this. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I started a mortgage application with BOA because they solicited me about possibly reducing my current mortgage rate with them. I am a current mortgage holder with BOA. We went through the entire process and got to the end where we were setting a closing date and they asked me if my home was on the market. I said yes and they said we can not continue. Why did they not ask this at the beginning. They advised me to take the home off the market which I did for 6 months. Then 6 months later, we started again, had the appraisal redone and then they declined me because I had business expenses on my American express and my income could not validate the charges. I have been a XXXX for 16 years and have had my XXXX since XXXX with no late payments. I get reimbursed for business expenses. They declined me again and I put the house back on the market. I voiced a complaint several times and they would not contact until I threatened to make a formal complaint. Then they said we need additional info to process the mortgage and I gave it. Then they said we can not refinance when your home is on the market. take it off the market again for 6 months. This has been a bait and switch since the start and cost me money and time I do n't have. BOA is so unprofessional. Now over a year later my re-fi still has not been done. Not to mention I had to XXXX them every step of the way to get anything done. I think they did not want to give me the lower rate at all. They are happy to trap me in at their higher rate.

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