vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank Of AmericaMy loan was transferred XXXX 2014 to XXXX incPrior to transfer I received a permanent modificationMy challenges areThe modification payments were not applied to loanThe accounting ledger Bank of America providedWrote off XXXX deferred amount due upon sale or payoff of loanWould you clarify details of sale to or servicing to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: MA

Complaint narrative:
When I logged into Bank of America Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's " Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same " available balance '' is represented in the " All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my " available balance '' was {$190.00}. Including all pending transactions, my " available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an " overdraft '' fee of {$35.00} in my transactions, and my " available balance '' is not {$5.00}. When I call the bank to find out why they charged me an " overdraft '' fee, the representative claims that my " available balance '' went negative and directs me to the " Account Balance History '' section of the page. 

This " Available Balance History '' shows that, at Close of Business on XXXX XXXX, my " Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The " Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my " Available Balance '' ( shown here as " $ Statement Balance '' ) was {$250.00}. This " Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the " Available Balance History '' showing my " Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other " available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
XXXX XXXX, XXXX I received a letter from XXXX XXXX, c/o XXXX XXXX, stating that the letter shall serve as notification, that XXXX, XXXX has agreed to the proposal that the account has been settled in the amount of {$2500.00}. XXXX XXXX XXXX has been handling my debt with my creditors, per our contract agreement, as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was served a District Court of MD Writ of Summons stating a court date of XXXX/XXXX/XXXX in regards to this creditor. I contacted XXXX and sent the information to XXXX XXXX of XXXX and she stated that it was taken care of in XX/XX/XXXX and the debt was settled. I have since been attempting to contact XXXX about this matter, tthe court date came and went, and now there is an open DC judgment filed against me. When I contact XXXX they tell me that they have made numerous attempts to clear this matter up with the creditor, but the office of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, does not return the calls from XXXX. Current date, XXXX/XXXX/XXXX and I have not heard anything from XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any notifications to state the status of the judgment nor have I heard from anyone regarding any progress with this matter, This is now a Credit Report status and I would greatly appreciate this being removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a HELOC that expired on XXXX XXXX of this year. Before that I tried to refinance it, but we did not qualify. Immediately after hearing that, I contacted Bank of America to modify it, and that date was XXXX XXXX. I was told I would be contacted within three to five business days. No one contacted me. I made a few calls and was told this gentlemen was in charge and he would call. He called at the end of the month. I immediately submitted all forms needed and he would then set up appointment times, but would not call for those appointments. He would not call at all or call that day at a completely different time. Apparently he could not get in his head that I am in CA and he is in FL and there is a XXXX hour time difference. Anyway, after all of this I also called his supervisor and left messages ( XXXX ) for her, with no return calls. The last time he was supposed to call me he did not, so I called and got someone else. This was the week of XXXX XXXX I believe. She told me that I was denied the modification because they were looking at the interest only payment and not the new payment which would include the principal ... ..in other words, the payment went up from {$280.00} to now $ XXXX. I am XXXX and live with my boyfriend. I can not afford these payments, and they know this. I have now been told to appeal this decision, after a conversation with a very rude person in that department. This is all so totally unacceptable and I feel it should be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was recently reading the NAVIENT complaints online and this too has happened to me. I tried to get help from them directly, with no resolution and therefore went to a XXXX company called XXXX and they have charged me an outrageous price to get started and then I 'm getting calls saying that NAVIENT is not receiving the payments when I no longer deal with them directly. I just want to know if I 'm getting any results or if my money is being taken every month and I 'm getting nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove 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 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America has not legally complied, to complete a FHA short sale, on property located at XXXX XXXX XXXX XXXX, XXXX, Massachusetts XXXX. XXXX, my XXXX customer service representative, who has helped me for the last year, is suddenly unavailable, she has essentially disappeared, just like the previous XXXX. Neither the short sale specialist, XXXX XXXX, XXXX XXXX can find XXXX even though we had spoken about every week or XXXX for the last year. 
The buyer for the short sale has increased his offer to be compliant with FHA requests and Or conditions, the judgment on the property has been removed. XXXX XXXX XXXX and XXXX XXXX, have worked tirelessly, to move forward with the sale. 
Most recently, Bank of America, sent me a document, which states, '' My home loan will be services by XXXX XXXX. This letter was received days ago, though dated on XXXX XXXX. 
Further, I maintain, the conditions have been met, per request of the Loan serviced and or FHA, I, by and through my attorney and realtor, have been professional, and followed through on each request, to allow this short sale. 
I am XXXX, with XXXX XXXX, am elderly, and the actions over of present and the past XXXX years of Bank of America have caused me harm. 
I respectfully ask for your help, and any and all sanctions, be brought against Bank of America XXXX XXXX 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 2016-04-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint against B of A and they sent a letter stating they would remove an inquiry from my XXXX XXXX report as it was not authorized. They sent myself a letter and they sent XXXX XXXX a letter. XXXX XXXX refuses to remove the inquiry because B of A says the date was XXXX, XXXX 2015 and XXXX XXXX says it was XX/XX/XXXX. At this point I do n't know who I should be going against. I would imagine XXXX XXXX but Bank of America promised they would remove the inquiry So, what to do. The woman at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is n't working at the agency that takes care of B of A 's problems. She said it would be removed yet XXXX is refusing. I sent XXXX a letter asking them to remove the inquiry but again they refused. Please get this matter resolved or I have no choice but to sue XXXX for failure to cooperate and B of A for giving false information and obtaining an inquiry without my consent. I file a previous case but since it was supposed to have been resolved it was closed. I do n't actually know what date it is but XXXX XXXX is being a total XXXX over this matter but I believe it is B of A responsibility to take care of this matter. I should not have to be dealing with this any longer.

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 2016-08-24 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:
I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.

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 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. 
B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. 
They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!

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 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am attempting to get a loan modification processed through Bank of America. They have sent me a letter requesting additional documents to support my application. I have submitted all of the requested documents. 

It has now been XXXX weeks since I submitted the documents and my application has not been moved to the Review Process stage. I have called my XXXX several times ( about XXXX ) and I only reach voicemail. I have left a voicemail message with my number each time. I have also left electronic messages on the bank website for my XXXX and received no response.

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 2016-01-11 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: CA

Complaint narrative:
I carry debt on a private school loan. I receive at least XXXX calls per day from XXXX different numbers. I feel as though I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: IL

Complaint narrative:
Ever since 2013 I have been trying to pay Navient. They would say my payment went through, then I would get statements saying nothing was paid! Then I try and get a hold of someone to fix it and I get transferred to a million different people and STILL no help. 
Once money got tighter for us, i filed for deferment which the lady said I could file twice.So I did. Well it only worked the 1st time. I tried calling and emailing and couldnt get through or no email back. I also tried doing the student loan forgiveness and nobody was able to help me with that either. So I have had ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX/XXXX/15 and XXXX/XXXX/15, were denied

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
This is in reference to my complaint disputed and submitted via CFPB in XXXX 2015 regarding an account that I have just found out is now sold to Syndicate Office Systems. The disputes complaint number initially was XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and that I should check my credit because accounts may have been opened in prior years to the year that they discovered the ID theft. When I checked there was indeed accounts that I had not opened and this is one of them. I was then advised of what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago to Central Financial control and have resent the information to you again.

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 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our address was used by XXXX unknown people to open a BoA debit MasterCard. Neither has any connection to us or property we have owned for 30+ years. The XXXX envelopes arrived XX/XX/XXXX and we immediately notified BoA by phone conversation and by email, requesting 1 ) closure of the account, 2 ) notification to us that the address was limited to only the XXXX of us, and 3 ) explanation of how BoA eliminated any verification before allowing the fraudulent use of our address. We have had no response from BoA, despite several further calls to its " representative '' XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. He assigned it case number XXXX in a letter dated XX/XX/XXXX, however we have had zero update or resolution from either him or BoA despite this urgent and aging fraudulent identity issue.

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 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX, I was enrolled in a health professions program. I received Stafford, PLUS, and Perkins loans during that time period to finance my education. After completing 2.5 years of the program, I was dismissed due to a health condition. After the grace period of six months, I was unable to pay back the loan at the required rate due to unemployment or lack of funds. By XX/XX/XXXX, I had a steady job and consolidated my loans so that I could repay them. The total balance was XXXX. I have been paying on the loan consistently from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I took advantage of a student loan refinancing offer from Citizens Bank and refinanced my loan. My balance at that time was XXXX. Today my balance is XXXX. I would like assistance in determining whether my current loan balance is accurate. It seems that after paying on the loan consistently for 15+ years that my balance should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just received a new XXXX credit card from Bank of America. You can see all your credit card information on Bank of America 's normal website, which is the same site that contains all of my Bank of America bank account information. So far, so good. I can do anything, including one time payments to my XXXX credit card on the website. Except for one thing : I ca n't set up autopay through the site. I called the number on the back of my credit card and the representative said that the website is n't designed in any easy way to allow this. Indeed, the best way was to go to another website, which no one would know about without calling them and waiting. This worked, but I have never seen anyone issuing a credit card so clearly and purposely make it so difficult to set up autopay. I suspect the reason this is being done is so that fewer people will set up autopay and therefore they will be much more likely to end up paying interest fees. This just seems wrong to me.

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