vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
We were approved for a short sale with a closing date needed by XXXX/XXXX/15 by Bank of America. On XXXX/XXXX/15 our buyer had an extreme medical emergency, when we asked Bank of America to give us an extension on the approval ( approval letter advised extension were possible ) to allow our buyers emergency to subside they denied an extension stating that Bank of America was going to sell our loan so they could not extend the approval. Closing attorney office asked several times and Bank of America kept advising that because they were selling the loan they could not do anything to extend the approval. Now after a couple weeks and repeated inquiries it turns out Bank Of America DID NOT sell our loan. We have the same contract in place for the house sale and now they are advising because the approval expired we need to start all over and be reviewed all over again. ( Which takes months to complete ) We feel we were not fairly treated and that Bank of America should be able to reopen the approval they already gave. They refused to give an extension based on the fact that they said they were selling, but they did n't sell and the approval expired due to their false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I paid off the balance of my XXXX XXXX card issued by the Bank of America on XXXX/XXXX/2016 ( mailing date ). The amount paid was the total balance and it was paid prior to the due date on the bill. I sent the payment via USPS Priority Mail to ensure it arrived quickly. On XXXX XXXX, 2016 I received another billing statement from Bank of America indicating that I owed {$73.00} for interest charges. On XXXX XXXX, 2016, I mailed a letter via USPS Priority Mail to the Bank of America indicating that I was disputing the {$73.00} amount showing as owed to them. I paid {$78.00} to the Bank of America on XXXX/XXXX/2016 to close out the account. On XXXX/XXXX/2016, I received another billing statement from the Bank of America indicating that I owed them $ XXXX XXXX/XXXX/2016 at XXXX ( Eastern Time ) , I called Bank of America and spoke with XXXX XXXX regarding my dispute of the billing statements. She assured me that Bank of America would issue a credit for {$3.00} and send me a letter acknowledging that the account was now closed. To date, I have not received such a letter and I continue to receive billing statements.

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 2017-02-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was approved for a Bank of America XXXX credit card, with a sign-up bonus of XXXX miles after spending {$1000.00} within 90 days. I have spent well over the required amount, and my monthly statement has closed. However Bank of America has failed to credit my account with the approximately XXXX points I 'm due. I have specific travel plans, and this arbitrary withholding of my points is directly affecting my travel itinerary. These points need to applied to my account immediately, thank you.

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 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
In XXXX XXXX I applied for a loan Mod with Seterus. Everything was completed ( trial period ) and I was sent the Loan Docs to sign. The name ( another parties name ) was not right and we were told not to sign to send back. XXXX back and received them back a couple of weeks later. We signed and sent back. I started calling when I had not received the notification that everything was ok. I am told that everything is being processed. Things went down hill from there. Told that the Mod had been denied and not to make any further payments. I still called several times a week to find out what was happening. I had XXXX XX/XX/XXXX so I stopped calling so I could recoup. In XX/XX/XXXX I called again and was told that the Mod. had been approved on XXXX XXXX 2016. So I called a rep at XXXX and stressed my concerns with what was going on. The next thing I knew I received a Dismissal of Foreclosure and the Loan Docs. So I started paying the payments in XX/XX/XXXX. Now I received a call reflecting that we are five months behind and getting ready to go into foreclosure again. I have written documents from Seterus reflecting payments being made from the Suspense fund now I am told that that was not right everything was wrong. So how do I know what is right. Also I was charged twice for attorney fees. The list goes on!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My father died on XXXX/XXXX/17 ; he has a checking account at Bank of America. I called BoA for instructions for accessing the account since I am the sole beneficiary/executor. They gave me a list of the documents they needed & gave Estates Dept fax number. I went to the local branch & had then faxed. In follow up calls to BoA Estates Dept, they were unable to find documents faxed. After this happened three times ( local branch faxing/documents not found at Estates Dept ), I threatened with legal action & CFPB complaint. The documents were found, but I was told I needed to fax another document ( which I had specifically asked if they needed twice prior, as my lawyer provided it to me and I had been told by Estates Dept they did n't need it ). A supervisor at BoA Estates Dept became involved at this point and gave me his fax #, telling me that if I have the local BoA branch fax it to him, they can call his direct number ( which he provided ) to confirm receipt and he would have a check for the amount in my deceased father 's account overnighted to me. I did that, but when the local BoA branch called the number the supervisor provided, it went to voicemail. And it continued to go to vm the rest of the day and the next business day. I called BoA Estates Dept and was told that they can only reach out to this supervisor via email to tell him I am trying to reach him. They ca n't call him themselves. They also told me that since this has been " escalated '' to a supervisor level, there is no-one else in the department that can assist me anymore, only this XXXX supervisor. I have so far taken three half-days off of work only to try to resolve this Bank of America account issue. As it sits now, I need to wait for this supervisor ( XXXX XXXX ) to get back to me to confirm receipt of the document he requested to be faxed to him last Friday. I have XXXX confidence that I will ever receive the funds in my deceased father 's checking account.

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 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was expected to received a payment XXXX which was deposited on XXXX XXXX in which the funds were immediately available. I withdrew the funds and on XXXX XXXX the checks deposited began to bounce. I then found out there was a counter credit for XXXX {$1000.00}, XXXX XXXX checks with my name and fake signature attachted. The funds are no longer in my possession and I can not believe Bank Of America let the checks be deposited without checking signatures or placing any type of holds.

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 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This feedback is in regards to Bank of America dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and BOA. 
XXXX did not show the charge. BOA proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the BOA branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by BOA which had been credited. B- There was a XXXX window that had passed, therefore BOA could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would " escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Total Card, Inc.
State: TN

Complaint narrative:
I have requested that Total Card Inc. send a contract bearing my signature or remove the fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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: IL

Complaint narrative:
I am not clear as to what exactly happened with my Bank of America account. I do know that the account was ultimately closed and has been reported to XXXX ( XXXX ) and XXXX as " fraud '' because of a returned check that was deposited. I have made two trips to Bank of America to try and resolve the issues at hand ( I have been placed in XXXX & XXXX for {$240.00} ). The branches themselves have not been able to help me. The reporting to both bureaus has resulted in all my bank accounts being closed with my previous institution because of the " fraud '' attachment to my account. I have attempted to resolve the issue at Bank of america to no avail. It is IMPOSSIBLE to open another bank account for myself and or my business because of the fraud. My business will be closed by the end of the month because we can not operate without a bank account and our credit card reserves will be maxed out. Who gave Bank of America the right to shut down businesses it is very apparent that they have more power than our Government does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: NY

Complaint narrative:
During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 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: NC

Complaint narrative:
Bank of America answered the above complaint and I disputed it. since then I have heard nothing from them. the case number is Case number : XXXX all material was submitted previously on above case number. I spoke to them previously and they said the case was closed. that is when I disputed. please refer to all information previously submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the Bank of America web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Bank of America and personal Credit card account. They have make it very difficult for me to want to do business with Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As I should have known by now, bank of America is not answering my calls and not responding to messages! I was told just a few days ago by a b of a representative whose name was represented as XXXX XXXX that equator file had been opened on XXXX XXXX, I called my realtor and was told that it had not been opened and as of today we are still unable to download the information the bank requested! This complaint is in addition to the XXXX other complaints filed in the last few months! Listed are complaint numbers XXXX and # XXXX and # XXXX. Among the people that were said to have been working on my behalf that I have never had any contact with in spite of numerous efforts are XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I did however speak with a guy named XXXX whom I felt would be helpful. These are in addition to numerous other people that did nothing to solving the problems! Please bear in mind that I called b of a in an effort to resolve the issue, and have presented all the information they requested!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation.

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX I never consented to opening loan the school I attended never disclosed to me that I would be taking out student loans to cover the high priced tuition I would have never attended the school if I knew I had to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: CO

Complaint narrative:
Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation