vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
It all started on XX/XX/XXXX ; when My house caught fire and burned, It was a total lost and all we had was a force place policy insurance that covered the loan not the value of the home we had been staying in the house for 11years at that time we saved up enough money to had on the house because we could get a loan. we started out with about XXXX feet of space in the home. and we saved up enough money to enlarged so we added on about XXXX sq. feet which increased the value of our home we had the XXXX sq. feet insurance but not the other so the bank had a forced place policy on the part they had so when we enlarged we took out a loan on the house so unfortunately as I already stated we got burned out with a force place policy in force which was about XXXX dollars now everything we owned was in that house that got burned up also everything we own was in that fire. gone up in smoke so we contacted the bank about the policy and they approve a contractor that only had painting experience they finally had to go to court with the contractor they had and stayed in court for one year and a half before they release anymore funds. on XX/XX/XXXX. they send check for XXXX the contractor said that would n't even buy the gas that took him to com back and forth it was a night mare for me and my family the contractor required Bi-weekly payment a bank should known what Bi-weekly means I wrote the bank a hardship affidavits they padded it no attention at all regardless of what they had invested in the property themselves XXXX by the time they got through with me I owed them XXXX dollars in taxes and fees it get worst than that they had third party venders to jack up the price every month I had to go to Environmental Court about how nasty that property was I got all the proof in the city where I live the actual cash value payment was XXXX, the insurance the replacement cost was XXXX, Less contractor profit and overhead, we choose a contractor that build the house back for that the money that was the actual cash value payment which was XXXX but the bank charged me XXXX of they way of taxes and fees that took them 3.5 years to build because of court and just slow fullness with third part venders that were supposed to be cleaning up they argument in court was they did n't sign anything with the contractors I have proof that hey at least approve them to do the job. by sending them a check and stopping payment on the check because they did n't know what they where doing.

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 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: PA

Complaint narrative:
My online payments to Navient take days to weeks to be processed and my account is listed as past due and reported on my credit rating as late payments. I am also paying early in the billing cycle so more of the payment is put to the principle of the loan. With it taking so long to process payments I end up paying more on the interest than principle. I have sent dozens of emails to ask to resolve this issue and have only received " we 're working on it '' messages returned. Making a phone call is useless as you are put on hold for long periods of time and never get to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: PA

Complaint narrative:
I am XXXX ill and sick with XXXX and XXXX. I have had fraud, ID theft, and forged documents in my name appearing before. I was able to handle it. However, currently a company called NAVIENT is claiming I took out a loan with them, consolidated it, and even made cash payments. This entire thing is a fraud and they have a forged signature. I need help resolving the issue. I will attach a statement I typed up so that you can clearly understand my circumstances and what has happened regarding NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The original lender for my loan was Countrywide, which went out of business. Its advertising was deceiving because it advertised affordable mortgages. My mortgage monthly payments increased dramatically, making it impossible for me to keep current with my mortgage. In 2009, Countrywide contacted me to pay {$4000.00} to bring my account current. Country wide took the {$4000.00} and other monies from me, claiming that it would bring my account current but it did not. I tried in several occasions to modify my loan but I was always denied. It is as if the bank wants people to lose their homes. The lender is not working in good faith and I have question the legality of the origins of my loan.

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 2016-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX divided bill to companies with identical names & same unique blue/yellow bills " XXXX XXXX '' and " XXXX XXXX. '' I paid XXXX off. Did n't ' realize XXXX entities. Once realized, offered to, and started paying monthly XXXX. ( Payments via money order not attached. ) XXXX submitted to credit bureau XXXX/XXXX/15 claiming " no payments. '' Disputed. XXXX responded with misleading info regarding my intake, refused discussion, and refused to remove. Continued dispute. XXXX removed. XXXX did not. I continued monthly payments. Accepted. Now, XXXX sent to new collections agency, that reported on XXXX and XXXX. I did nothing wrong. Costing me higher premiums, interest loan rates, etc. Not fair.

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 2015-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America 's website did not give me an option to pay my note on the XXXX and XXXX of this month. I have been paying on this bill for around 10 years. I 've never been late.I 've almost always paid my mortgage on the XXXX or XXXX of each month, as this is when I get paid. I make sure not to go over 30 days, however, the month of XXXX had 31 days in it. I went to pay my bill on the XXXX of XXXX, which fell on a Friday and was met with the drop down button not allowing it. I tried on XXXX XXXX, which fell on a Saturday, to make the payment again and was with an error stating that Saturday was not a business day. This forced me to schedule the payment on XXXX XXXX, that Monday. This is online payments and it should n't of mattered if it was a business day or not, as long as the payment was made. I have now been informed that Bank Of America has decided to report on my credit report a late, which will damage me! This is not fair and my records will show that I have paid my bill on the same date of each month. How am I to be penalized because Bank Of America did n't allow me to make an online payment on XXXX of those days, yet the record shows that I scheduled on XXXX XXXX for the XXXX of the month ( the only option )? There was also nobody to speak with over the phone as that department was closed.

Company public response: Company 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 — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Through XXXX ( Now Navient ), I was not thoroughly and frequently informed about upcoming deadlines when it came to re-determining my Income-Driven Repayment ( RDI ) applications between the XX/XX/XXXX-XX/XX/XXXX. This lack of information caused me to make several calls to ensure that my interest rates would not skyrocket, which I believe have a bit since graduating XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Back on XX/XX/XXXX I and co-signer took out a XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX for {$15000.00}. I recall the variable interest rate was 3.5 %. The loan has been in a XXXX deferment the entire time. I now not the rate to be 14.5 % and the loan is at {$31000.00}. Now loan is with Navient. I have contacted Navient multiple times to see what happened. I requested to know what the original rate was and informed they ca n't find the original disclosure statement for the loan. I and same cosigner took a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/12 for {$5000.00} with a 3.5 % rate- It 's still at 3.5 %. I have never missed a payment with the loan and the accout is in good standing. There is no reason the rate to have increased to 14.5 % and Navient ca n't attest. I feel this has been a grave error on either XXXX XXXX 's or Navients part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have XXXX student loans that I pay through Navient. I went through the online process on navient 's website to consolidate the XXXX loans into XXXX loan. I received notice that the consolidation was approved and had been completed. 

All they did was " consolidate '' XXXX of the loans and raise the interest rate. This loan just had its title changed and I paid slightly more for a short period. 

I have reached out on their website at least twice, maybe up to four times. I have not got any type of response back. 

I recently set up automatic payment, which dropped my rate .25 %. However, this was deduction was taken from the new, slightly higher, rate. 

Please let me know if/what documentation you 'd like me to provide. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI

Complaint narrative:
On XXXX, I was referred to XXXX XXXX XXXX, a Senior Loan Officer at PRIMARY RESIDENTIAL MORTGAGE in Rhode Island. However, this individual never made telephone contact with me, our only form of communication was via email. Initially, she had me and my wife fill out a pre-qualification mortgage form. After filling out the form in entirety, including information about my RACE ( XXXX ) and military status ( Veteran ), the loan officer emailed me back. In her email she made very rude assumptions about me and my wife and was also very rude. Attached below is her email to me and my wife with our names deleted for security and privacy reasons. 
" Attached is your credit report to check out. 
Here is what I see : You are having your credit pulled over and over again, hoping for a different answer about buying a home. I suspect, you are getting rejections and maybe some suggestions. 
Here is the bottom line : ____ has a sub-par credit rating at the fico score of .... '' As you can see from the beginning of her email, she was very rude and condescending. I would for this officer to make anyone else feel the way she made me and my wife feel.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has failed on several attempts to update my credit as asked. I have faxed information regarding my identity as well as XXXX accounts on my credit to include XXXX and XXXX XXXX XXXX. In regard to my identity, I stated to them ... my name is XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX GA XXXX, phone number is XXXX, employer is XXXX University. Transunion continues to disregard my dispute after sending in my personal identification to verify this information. 

My second issue is that they continue to report incorrect unverified collection accounts on my credit. They are AFNI, XXXX XXXX Bank and XXXX COLLECTIONS all of which I have an open dispute case with the CFPB. My dispute efforts are updated with new information added however they fail to verify this " new information '' with me and continue to leave these items on my credit. I have submitted disputes online as well as via mail in which they fail to acknowledge my issues.

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 2015-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Regular checking account with Bank of America since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement. 
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active. 
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX who most of my life worked either as a XXXX, a military XXXX, or a XXXX. I accidentally learned through my Internet searches of the class action suit against Bank of America ( BOFA ) and its Credit Plus Protection Plan which ended with a settlement approved by U. S. Judge XXXX XXXX, which, in my opinion now, did not fully free the class members from having to pay the fees and interests incurred. I began my Internet searches after a year of communicating through letters and telephone calls with BOFA and they refused to stop reporting the credit card in question to the Credit Reporting Agencies. When I came across this class action suit, my thoughts led me to see that these were people wrongly treated with the Credit Plus Protection Plan just like me. It is only now after a closer look at my file on BOFA that I have determined I was never notified of the class action suit and, therefore, never opted in. Therefore, I want justice in the form of BOFA to stop reporting this credit card to the Credit Reporting Agencies ; that is the long, overdue justice that I seek.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: NJ

Complaint narrative:
I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am current customer of Bank of America ( BOA ) for ten years. During a branch visit on Friday, XXXX XXXX, 2016 to have a debit card re-issued, a BOA Branch representative offered me BOA Cash Rewards credit card based upon the fact that I maintain over well over one thousand dollars daily balance with those merits I told I would receive a BOA Cash Rewards credit card. I signed some general documents and other products and spent about 1.5 hours of my time with the representative. The Branch manager came in on the end to congratulate me on accepting the offer. I was also encouraged to complete the survey that may be emailed within a few days. I let her know that the experience was great, unlike many of my experiences with BOA and that I would definitely give good marks on the survey ; which I did on XXXX XXXX. It is now XXXX XXXX, 2016 and I have not received any responses from my follow up emails. I called BOA corporate to file a complaint on XXXX XXXX, 2016 and was promised a 48 call-back ; it has now been 168 plus hours from my call with no call from corporate ( I gave them both of my cell phone numbers ). I have all of the credit card disclosures and signature page that I accepted the offer. I also have all my follow up emails with no response from the branch. Even after going in the branch to two weeks after to talk to her, she advised me this as happened before, but she promised the card will come. I feel manipulated and mislead by BOA, as they will essentially make up things to con consumers into receiving high survey marks by wasting my time. Bank of America owes the card to me as promised.

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