vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with Bank of America in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. when this new refinance Loan was " filed '' with the County Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.

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 2016-05-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I cosigned for a private student loan XX/XX/XXXX for my brothers wife. They split up soon after and divorced XX/XX/XXXX. She has paid the loan and been behind on payments as well. The loan has gone from XXXX XXXX to Navient. It 's has been XXXX years. She had also put the loan in deferment, I believe for 2 years .This I did n't know about until recently. She is grossly behind on her payments and Navient is coming after me. My credit score has taken a nose dive. I had excellent credit XXXX now to XXXX. I should of been released from this mess along time ago. The divorce alone should of been enough. I have never made any payments for her and we do n't stay in contact. I have n't spoken to her in 9 years. Now I have to contact her to see what has been going on. This loan should of been on its way to a pay off point or fairly close. Her balance is XXXX. What has she done in nine years? Now I 'm paying for it literally. I have not paid a bill late in XXXX years and I took pride in having great credit. Now I 'm contesting my credit score with XXXX and XXXX. This is crazy how in 2-3 months a person can be ruined. Well I 'm fighting back this is not even close to being right or final. I do pay my bills and I mean my bills. Navient needs to work with her instead of going after someone else for payment. She was making little payments like XXXX to XXXX a month claiming that is all she can afford. Now is n't that better than the loan going into default and getting nothing at all. I know one thing I want to be released from this loan and I wo n't be making this on time payment. I have never made one payment for her and I wo n't start now. I have helped my daughters in the past with student loans and they managed to pay them off themselves. I 'm not related or know this person anymore. Help what can I do? Is there anything? My ex sister in law has agreed to try to have me removed from the loan. Not much of a chance in that I 'm sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Problem 1- I have been an checking account holder in Bank of America XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Bank of America, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with bank of America 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, bank of America has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.

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 2017-01-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Lost $ XXXX down payment due to wire fraud. A portion ( {$27000.00} ) was frozen by the bank, but they refuse to return it. 

Per UCC - Article 4A - 205. ( a ) ( i ) the transfer was to a beneficiary which was not intended by the sender. 

Per UCC - Article 4A - 402. ( a ) ( d ) If the sender of a payment order pays the order and was not obliged to pay all or part of the amount paid, the bank receiving payment is obliged to refund payment to the extend the sender was not obliged to pay, plus interest. 

Bank of America ( BOA ) is the sending bank, the receiving bank, and the mortgage lender. 
BOA was informed of the Fraud several ways & provided evidence. Initial payment order explained intent & true beneficiary of the transfer. A series of short investigations confirmed both fraud & true intent. Despite investigation findings, BOA refused to return the frozen portion. 

BOA further enrich themselves by waiting until a second down payment was procured & mortgage was closed before offering a return. The return was contingent on receiving a notarized release. They gained holdings, plus caused tax liabilities & interest loss because due to their refusal. 

After gaining all they could, BOA offered to return the money contingent on receiving a notarized release. The release waives all damages & prevents info regarding the incident from being shared publicly.

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 2016-08-01 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: TX

Complaint narrative:
About two weeks ago my regularly scheduled monthly payment to my private student loan servicer ( Navient ) did n't go through because my bank account balance at that time was a few cents off. Because of this, my bank did n't authorize the payment. I called Navient later that week on XX/XX/XXXX to ask if the company would try to withdraw an electronic check from my account again and he ( XXXX ) said Navient would n't try to withdraw the same payment a second time. Therefore, I made the payment online the following Monday ( XX/XX/XXXX ). The next day ( XX/XX/XXXX ) when I checked my bank account I saw that Navient did try to withdraw a second payment. Which caused my account to be overdrafted with fees being assessed to my account from my bank. I called later that day and spoke with XXXX ( XXXX ) who refunded one of the payments when I told her my situation and that I could n't afford to make multiple payments at one time. A week later, today ( XX/XX/XXXX ) I checked my Navient account online and it shows that I have n't made a payment for XX/XX/XXXX, and that my account is currently delinquent. When I called the Navient representatives they claim they never received a payment, although the second check from ( XX/XX/XXXX ) cleared. I 've spoken with representatives at my bank and they 're showing that I made a payment for last month. Unfortunately this is n't the first time that I 've experienced customer service issues with Navient, last year they claimed they did n't receive a payment that I made. It is obvious that Navient is n't telling their employees proper information about how payments that are n't received the first time are processed. This one payment has caused a never-ending inconvenience. If Navient allowed customers to make payments online without any restrictions I would'nt have to deal with the many mistakes that come from automatic withdrawal. This is yet another reason why we need to have student loan reform in this country! Especially when it comes to private loan servicers like Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Dealing with a lieing and stealing mortgage company. Proved four lies they have fed to us. Dealing with Bank of America lieing modification. Dept. Names on mortgage have every statement and cancelled payment transaction that prove we are responsible mortgage owners ... ... .. Bank reports false credit late payments on home .... We understand notes are due every month, their phone rep dept. and dept that generates statement balances and mails them to customers, tells the customers doesn ' have a payment due, after the modification is approved ... ... .. Same case as NORTH CAROLINA VS. BANK OF AMERICA ... ... Same XXXX payment exactly one year later ... .... Customer has been told they are wrong over and over ... ... .. Customers have every thing on paper filed in order by date ; waiting for the banks subpeona or the state of TN. Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: FL

Complaint narrative:
My sister transferred funds from my mother 's HELOC accountto her personal account per Bank of America. These transfers occurred approximately XXXX years after our mother died. 

Original HELOC had XXXX co-signers. XXXX are deceased and I am the third. B of A suspects my sister represented herself to be our mother and made transfers of approximately {$300000.00} between XXXX and XXXX. 

My sister continued to make all interest payments. Further she sold house, collateralizing the HELOC XX/XX/XXXX and made no principal payment from sale proceeds, yet she provided the buyer a Warranty Deed. Bank of America charged off the HELOC in amount of {$340000.00} XX/XX/XXXX and it appears on my XXXX credit report. I had no knowledge of this until XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Total Card, Inc.
State: AZ

Complaint narrative:
They call up to XXXX per day every day after I told them I have no income since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Me and my wife have been trying to work with Navient for the last five years to lower our monthly payment now they have declared us in default. I have been unemployed on and off for the last five years, we have mostly been using my wife 's income to make ends meet. We can make payments just not the XXXX a month they want us to pay ... I had tried in the past sending monthly payments between XXXX and XXXX but that didnt even cover interest. Now our Student Loan Debt is over {$92000.00} dollars our original Student loan amounts were only a total of {$42000.00}. Also my wife has spent the last 20 years working at XXXX and since our loans are consolidated we can not take advantage of any debt relief programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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: IL

Complaint narrative:
Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Bank of America also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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: TX

Complaint narrative:
The federal lawsuit with Sallie Mae? How can a regular borrower, be compensated in the lawsuit, like the military veterans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a Bank of America checking account after receiving a targeted promotion for the " Offer300 '' {$300.00} bonus for making {$4000.00} of direct deposits within the first 3 months of account opening. Upon completing the requirements and waiting a month following completion, I did not receive the bonus and called to inquire why not. Bank of America denied my claim, stating that I " was not targeted '' for the offer, and asked me to fax screenshots of the offer. I have screenshots but did not fax, and called again to try and get my bonus resolved. Today again they said my request was declined and are asking me to go into a branch so they can fax the screenshots to the right corporate department. I 've called now about 10 times in the past month and have been given the run-around by customer service reps who 've given me numbers to wrong departments ( Merrill Lynch investing ) and have not filed my complaints.

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 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This information was shared illegally ( Third Party ) without my informed consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
The pay back amounts are totally unmanageable! The amounts change from day to day! Never get the same information from anyone. The amounts are different each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
In 2010 I filed for Chapter XXXX bankruptcy in the U.S. Bankruptcy Court of Nebraska which was approved XX/XX/2010. At the time the largest debt was a mortgage which was held by Bank of America at the time of the bankruptcy ( previously the loan was owned by Countrywide Mortgage. This was a refinanced mortgage from an XXXX loan that we used to initially purchase the home. At the time of the bankruptcy I was going through XXXX for the XXXX. After the bankruptcy was approved my wife and I have tried everything imaginable to give the home back to the bank with zero success. We returned the keys to the bank, cleaned the house- moved out. We hired an attorney to try to conduct a short sale on the house, which the bank made so difficult it was impossible to short sell the house to repay the bank as much as possible. About two years later while I was XXXX at XXXX, TX I was contacted by a representative from BOA who tried to get me to rework the loan despite the fact that the mortgage was discharged in bankruptcy. I tried to explain to him that there was no loan to " rework '' because it was discharged in bankruptcy. He became very belligerent and I calmly explained to him that his behavior was n't permitted per the paperwork I received from the Bankruptcy court. He calmed down and claimed that he would do some more research after I gave him the bankruptcy case number and other info concerning the bankruptcy. Several months after that time my wife and I began receiving statements from BOA claiming that they were paying lawn care ( which we have learned has not been taking place according to our prior neighbors who claim that the city has been mowing the grass ) and homeowner 's insurance on the property and reflected an outstanding balance. Then BOA sued my wife and I in a foreclosure case in County Court. Finally we sought the assistance of a Legal Assistance Attorney with the JAG office here in XXXX where we are now stationed. We tried to settle this case by offering to execute a Deed in Lieu of Foreclosure which was sent to the attorney representing BOA. She submitted the settlement offer to BOA who refused the settlement offer because they claimed incorrectly that there was a HUD lien from the original mortgage that Bank of America ( or the predecessor Countrywide ) did not have cleared when they assumed the 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 2016-06-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have had several auto loans with Bank of America, all paid on time and in good standing using their eBill auto-payment functionality. In XXXX of 2016, I logged into the BofA website and added an additional bank account to my profile that may be used for bill payment. I kept the original account on file, as this was tied to the auto-payment. Apparently, the addition of the bank account caused a failure in the XXXX auto-payment. I noticed on XXXX XXXX that the funds hand not been withdrawn from my account and logged in and manually paid the outstanding amount for XXXX and XXXX. The website shows the payments were accepted and the funds were withdrawn from my bank account. Between XXXX XXXX and XXXX XXXX I received 21 auto dialed calls. On none of which were messages left, nor was any email or mail sent to inform me of my late status. The calls were automatically blocked by the built in XXXX XXXX XXXX call protection service as spam/scam calls. I 'm filing this complaint because they are clearly harassing myself and others. When I noticed the number in my call protection logs, I called them on XXXX XXXX and they stated they did not show my payment as being applied, even though the funds were already taken out of my account. I was told the calls would continue until the payment was posted. I do n't think it should be possible to take someone 's funds and continue to harass the borrower. I have a credit score of XXXX and have never missed a payment with BofA until their technical failure caused XXXX 's issue. I remedied the situation within 30 days and did n't even request or receive credit for the late fees applied. Clearly, their automated processes lack oversight, timeliness, and reliability. This type of irresponsible harassment should not be something borrowers should have to experience.

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 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Many attempts to have my mortgage reported to Experian.

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 2016-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief