vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX Bank of America represented to me through the single point of contact that mortgage assistance and mortgage modification has been denied on appeal. On XXXX XXXX, XXXX the Appeals Department granted mortgage modification assistance through a mortgage modification program. On XXXX XXXX, XXXX the single point of contact represented to me - again, mortgage assistance and mortgage modification has been denied on appeal. The single the single point of contact continued to make this representation to me multiple times since then and to date. Additionally, I have never been provided any written determination on appeal by an Appeals Specialist of the Appals Department. Just to be clear, the single point of contact does not make determinations on appeal. 

Bank of America has intentionally, negligently, and fraudulently made material misrepresentations related to a mortgage or Deed of Trust as well as lie by omission ( withholding ) of material facts as to the true status of a mortgage or Deed of Trust and the loss mitigation process. 

An assessor 's parcel number, or APN, is a number assigned to parcels of real property by the tax assessor of a particular jurisdiction for purposes of identification, record-keeping, and ownership. To date, Bank of America has not associated and recorded any real estate document with my private property and home. 

After a new review of Bank of America issued documents, it appears that upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Wilber and Associates, P.C.
State: WA

Complaint narrative:
I received a notification that the debt had been turned over for Collections at Wilber & Associates, P.C. While the situation surrounding the debt is frustrating for me, I recognize that the legal liability falls on me, regardless of the principal surrounding the issue. Today, XXXX/XXXX/15 at approximately XXXX ( PT ), I called Wilber & Associates with the intent of setting up a payment plan. When I called I was put on hold several times and transferred to a representative. Unfortunately, I did n't get the name of the individual that I finally came to talk to regarding the debt, but I was informed that the call was being recorded. XXXX the representative offered to settle the {$1200.00} debt for {$1000.00}. I told her that I was unable to do that. She offered to set me up on a payment plan with a down payment of approximately {$650.00}. Unfortunately, that is out of my budget as well. She asked me how much I could afford for a down payment, and I told her that if I can have until the end of the month ( 2 weeks ), then I could come up with {$200.00}. She said that she would set is up for {$250.00} by the end of the month and that money would go toward the down payment & I would pay {$250.00} a month. I told her that I can come up with the {$250.00} for the down payment, but there 's no way I can afford to continue {$250.00} a month. I would need payments around {$50.00} a month. She told me that was not an acceptable amount for a payment plan. She said that they would not refuse my payments of {$50.00}, but it would not be an official payment plan. Therefore they could still suspend my license and take any other action that is within their rights. I was getting frustrated, and I asked her if they had any other payment options for people that basically live paycheck to paycheck. She said no, they do n't. I asked her what they do for people who ca n't afford the money they ask for, and she replied that people make it happen. Growing more frustrated, my voice elevated a little and I asked her again, what they do for people who can not afford the payments they are requiring. I went on, expressing frustration that people who pay the high payments they require end up losing their ability to drive making it more difficult to pay them, but she was talking over me at this point. I lowered my voice again and told her that she was incredibly unhelpful. She chuckled at me, and in a snide/sarcastic tone the thanked me for complimenting her. I told her that she was n't really thanking me and I understand that. Increasingly frustrated, I expressed that I ca n't pay what she is requiring of me. She cut me off and told me to call back when I actually have the intention of paying by debt, adding that I will need paid it in full, and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAD SEVERAL ISSUES WITH MY CHECKING ACCOUNT SOMETIMES I WOULD NOT COMPLAIN I LIKED MY BRANCH IN BKLYN. A FEW TIMES COMPLAINTS OF MISUSE OF MY ACCT WERE NOT SEEN AS SUCH AND I WAS DENIED MONIES THAT I DID NOT SPEND I AM A XXXX XXXX LIVE DAY TO DAY WORKED XXXX YEARS IN ANOTHER BANK PERSON. ALL MY BILLS MY PENSION MY INSURANCE PAYMENTS AND OTHER THINGS CAME OUT AUTOMATICALLY. A PHONE CALL OR LETTER OR AN EXPLANATION OF THE ACTION THAT TOOK PLACE WOULD AVE ALLOWED ME TO GET SOMEONE TO HELP ME REARRANGE MY FINANCIAL SITUATION. I WENT INTO MY ACCT ONLINE AND CALLED VA. TO BE TOLD THAT MY ACCOUNTS WERE CLOSED. I TODAY AM MAKING PHONE CALLS STILL, I HAVE CHECKS I CAN NOT SEE XX/XX/XXXX OR XX/XX/XXXX STATEMENTS I WAITED XXXX DAYS FOR MY MONEY TO ARRIVE TO ME IN XXXX, I RECEIVED XXXX DOLLARS LAST YEAR I PUT IT IN YOUR BANK PROBLEMSAROSE SHOULD I PAY XXXX FOR ITEMS I DID NOT BUY? XXXX DOLLARS FOR SNEAKERS FROM XXXX? EVEN MY BRANCH COULD NOT GIVE ME ANSWERS. MAYBE YOU CAN THIS WAS A TERRIBLE ORDEAL I FELL XXXX FROM IT AND I WOULD LIKE AN ANSWER, I SHOULD BE COMPENSATED I SHOULD BE ALLOWED TO CONTINUE TO HAVE AN ACCOUNT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The servicer response to my previous complaint was inaccurate. The issues I am facing have not been addressed and although a new HAMP XXXX is on file with the servicer - Bank of America, the foreclosure sale scheduled for Tuesday, XXXX XXXX 2015 has not yet been cancelled even tough all the required documents have been verified as received and uploaded for review. The red tape and servicing mismanagement has not changed. Before the XXXX XXXX was even acknowledged or decided, another foreclosure sale was scheduled. Also, the XXXX dispute letters I submitted via certified mail have never been acknowledged even though I know from the green certified postal return receipt card that they were received and signed for. I am not getting a fair review of my mortgage modification requests even though HUD counselors have advised me I am eligible for XXXX or more of the programs available for homeowner relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been paying my auto loan for over two years and have actually overpaid each month, sometimes paying more than twice the minimum amount. Out of nowhere four months ago I was contacted claiming that for two and a half years, without notice my due date was earlier in the month and despite overpaying I had accrued years of late fees. I was assured that the late fees would be cleared and the due date changed. A month later after " solving '' the problem I was called over ten times in one day for the same issue. Another month later after " solving '' the problem again I was called over ten times in one day and had to " solve '' the problem again. This harassment has gone on now for four months. I have sent them a cease and desist notice and advised that if the harassment continues, I would be seeking legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX ' trees down in yard. tore down electrical, cut up about 60 % of trees that were XXXX % left to be cutup. wind damage and blew down fence on North side of property. trees knocked and blew down XXXX ' XXXX and gate and destroyed. damaged XXXX tarps covering boats on property with electricity off water pipes froze and broke in apartment - ruined carpet. tried to heat inside of apartment with kerosene heater. painting in process. holding check for itemized items from insurance adjuster to fit their needs

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was in the process of trying to purchase a home when a loan I previously consolidated appeared on my credit report. I attempted to make contact with Naviant and the XXXX and they both stated they did not have the loan even though it appears on my credit. My current situation is that I am being garnished by the loan serviced Navient even though they claim they have no record of my account. I want to pay what I owe but I question their calculation and the lack of information regarding status of my loan. I have waited on the phone more than 3 hours total over 4 days trying to rectify. I need to know my next steps. I have notified all of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
This complaint is part of an ongoing issue with Navient in which my loans have been significantly mismanaged, resulting in improper loan amounts being displayed on their website with additional, fabricated interest amounts appearing, etc. Please see my prior complaint for more details. 

Most recently, Navient escalated my case to the " Office of the Customer Advocate, '' where I spoke with " XXXX '' at XXXX, extension XXXX. Although I signed up for automatic payments approximately four months ago, the amount has not once been debited from my account. Instead, my student loan payments appear as " late '' on the Navient website each month unless I pay manually. I resubmitted my application for automatic payments and, according to the website, it is complete, but my loans are still not being debited from my account. The first time this happened, I called XXXX back and spoke with him about the issue, and he said he was submitting a manual payment to take care of a loan amount that was several weeks late. He never submitted the payment. I tried to call him back again, and he ceased answering his phone or returning my calls, despite my leaving several messages and speaking to a " supervisor. '' I remain required to make manual payments every month despite the Navient website claiming my payments will be made automatically. 

In the screenshots I 've attached, please note that the payments are pending only because I submitted them manually prior to taking the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I graduated from XXXX College, XXXX XXXX, Michigan with my XXXX in XX/XX/XXXX. Soon after graduation I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I tried to make my payments on my student loans during my employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was again laid off due to the bankruptcy of XXXX and XXXX. I was n't gainfully employed with an acceptable wage until XX/XX/XXXX. During this time my student loans were in deferment. I was under the impression I did not have to pay for the interest accruing on my loans. In XX/XX/XXXX I started paying on my loans and over the past year and half I have barely touched the principal balance on my loans. I currently pay my loans through Navient. My account number is XXXX and I currently owe {$27000.00}. XXXX unsubsidized Stafford loans and XXXX subsidized Stafford loans. 

Last week I saw on the local XXXX media news stations that a lawsuit was being filed against Navient from the federal government. I am writing to inquire if I am eligible to be part of the federal law suit. 

I appreciate any assistance that can be given to me. I can provide unemployment verification from XX/XX/XXXX to XX/XX/XXXX. 

Thank you in advance for your assistance. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX, I found out in XXXX ; through family XXXX in XXXX, XXXX ; that a file was in superior crt files, not XXXX county files ; # XXXX ; a deposit of surplus funds ; this was not a pay off as a mediator & judge XXXX, XXXX stated ; the lawyer was different ; not XXXX on the 2nd mrtg pyoff ; this should have been done via escrow as most are. 
They lied as a bad play ; mediator helped ; I believe based on my XXXX abilities that in fact ; that they wanted me to sue, knowing I may not get a lawyer ; I knew it was for $ XXXX ; and that XXXX XXXX and very possibly an impersonator for me ; signed and stole about $ XXXX ; and the judge retired, & the rest was stolen ; all while I was in jail and was not brought to jail for this court date! 
Fraud! The money was illegally Wire transferred I believe ; and never made it to my books, and or in my name ; nor bank/brokerage account ; it made it into XXXX. jail bank accounts, then was stolen. I made this via family services, I called, license suspension for child spprt, daughter passed in ex spouses custody. 
So I want an investigation ; as I know that some persons were paid off to move this money at that point ; I am owed the full amount ; and the city of XXXX, jail, and bank of America are liable ; $ XXXX, 20 %, compounded daily since XXXX is {$700.00} XXXX dollars. 
the money did arrive, and it was stolen ... 

Please review this and make plans to XXXX my check as soon as possible to my address XXXX XXXX XXXX, XXXX ca XXXX thank you, and XXXX XXXXXXXXXXXX

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 2016-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I 've been trying to pay down my student loans and the interest is keeps going up. I had these loans since 2007 and I did not realize when I signed the contract my private loan is adjustable. I was young and irresponsible and now I 'm paying the price on paying these back. I have XXXX student loans and my biggest concern is my private loan. The lender is through Navient and I tried talking to them and reasoning with them with a better monthly payment but they want me to pay about {$400.00} a month and I can not afford that. I 'm constantly getting harassed with numerous calls and emails and they added new fees and my interest on my loans are constantly going up. I work but I 'm not making as much and I have rent, a vehicle, I 'm paying unemployment back the money I used abusively to pay back my student loans, and I have to pay them back or I will be in prison and get charge a felony. I have a lot of debt and I did file bankruptcy this year but some of my debt could not be discharge. I 'm not sure who I can talk to about this and I ca n't afford to pay that much and I did not even get a degree. I had to stop going because I could not afford to keep going anymore and I only last 8 months and now I owe around XXXX. I wish I had an understanding on how everything worked before I signed the contract and got myself into these loans. When I signed, I still had to pay out of pocket to get get supplies and I did not have a car at the time and had to figure out how to get to school and etc. I 'm very XXXX and XXXX out and I now have an condition called XXXX and it 's effecting me and my job. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Repeated calls that are dead when answered even after payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have multiple complaints. 
1. My husband and I became unemployed in XXXX and applied for a Special Forbearance we were approved and was told we had to make payments of XXXX my question is if we were unemployed how do we pay XXXX a month? I maxed out my student loans just to make the payments up until XXXX because school ended in XXXX I could not get any more funds. I thought when I got my taxes I would pay past due and then continue to make payments. However, my taxes were delayed 3 months due to marketplace insurance. In XXXX we received a letter denying the Special Forbearance and was told we did not qualify for any other programs. I was told by the XXXX Georgia rep this month that if we were unemployed we should not have been required to pay anything. Now I am in default with my student loans. 
2. I received advertisement that my house has a foreclosure sale date of XXXX XXXX, XXXX. I did not receive any default paperwork nor did I receive notification of any kind pertaining to the sale. I received a letter from an attorney that my house was in foreclosure dated XXXX XXXX. At which time I contacted Bank of America to start the process for a loan modification at which time the representative should have disclosed the sale date to me. I tried applying sooner but was told that we did not qualify for any programs. I tried applying when my job started working in XXXX and was told that I had to have 30 days of paystubs in order to apply. I called Bank of America after getting flooded with advertisements. to inquire why I did n't receive any notice regarding the sale date the rep said that a notice dated XXXX XXXX, XXXX was mailed indication default and foreclosure status. The issue that I have is that my loan was modified and bought current in XXXX at what point is the foreclosure status removed? I should have not been blindsided new notification should have been sent to me. 
3. Bank of America will not release {$3000.00} of funds paid by my Homeowners Insurance Policy for my roof a year ago. They are requiring a roof company to fix the roof and we can not afford the deductible and the roof companies will not do it for less. I have someone that will repair the roof but BOA will not release the funds

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