vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge.

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 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is denying my loan modification after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Frederick J Hanna and Associates has filed a lawsuit in conjunction with XXXX XXXX to collect on a debt that they are unable to substantiate. They are attempting to collect almost double the amount that the original creditor specified. Furthermore, they have not submitted any business records related to this account. They are relying on third party affidavits and a general bill of sale with no identifying information. These are tactics that the Hanna firm was recently cited for by the CFPB. It seems to be business as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting that Bank of Mellon provide an EIN number so I may access their invester status on the XXXX ). Bank of Mellon is foreclosing on my home under the trust ( XXXX, XXXX, XXXX, XXXX XXXX ) established by XXXX. Bank of Mellon was found guilty of foreclosing properties under these established CWALT trusts without having the signed deeds or ownership to the properties XXXX I would like Bank of Mellon to provide a copy of the deed of the property located at XXXX XXXX XXXX, XXXX CA XXXX. I do not believe Bank of Mellon ( XXXX, XXXX XXXX ) is the deed holder or has the right to foreclose. I back this statement up with short sale closing instructions provided by their loan servicer XXXX. The pay off instructions clearly state to wire proceeds of the short sale to a third party ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I checked my credit report today XX/XX/XXXX. I do not recall applying for this loan also as I 'm looking at this report is shows as of XX/XX/XXXX it is current, then is goes 60days past due as of XX/XX/XXXX. How is that? I do n't understand how an account can go from current to 60days when there are only 30 days between billing cycles. So not only do I recall applying for this loan it is obviously reporting incorrect as well. I would like a copy of the signed application showing that I applied for this loan. Given that on multiple aspects information is not being reported correctly I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America would not grant me credit to open a credit card account - so they suggested I open a " secured credit card '' by opening a certificate of deposit ( CD ) as a guarantee in the event I default payment on the account. 
I was additionally told I would be building credit and in essence be considered to open a credit card in the future, without needing to continue to have a deposit as a guarantee for the account. This was a lie. 
When I was denied a " regular '' credit card, I selected to close my " secured credit card '' and requested the certificate of deposit dollars be returned to me. 
The money has not been returned after two weeks of waiting. 
I have been told - after multiple hours on the telephone - numerous visits to the branch - that the money " should '' be returned to me. 
How long am I expected to wait for my money? Am I being scammed? Am I going to be " charged '' penalties? 
Bank of America has zero organization. Their organization rips people off. I am tired of being given then run around by this brute of an organization. 
I want someone from Bank of America who can tell me what the heck is going on and assure me my money is being returned!

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 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
haave been attempting to get my lender Bank of America to resolve an issue regarding the declination on my part of a loan modification for over seven months now. I explained to them that I did not wish the loan and not to set up an escrow account for me and they did so anyway against my wishes. At this point ( as of XXXX/XXXX/17 ) approximately they have finally escalated this and claim it will be resolved soon but no word as of today XXXX/XXXX/17 I want all late fees reversed and this completed immediately

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Naviant is harassing me with their calls every single day any time of the day and night they are really full of it. I submitted papers to them for my loan that is being reviewed and processed and I have repeatedly told them what I have done but they still call and threaten me about the loan, now I understand the bill is mine but am not able to pay it but I have reason for it, they also harass my cosigner and she has told them that the papers have been sent can you please please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had a bankruptcy and had a judgement taken care of within the BK, now Bank of America is refusing to release the lien they placed against my house for this judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a personal account that had a returned deposit because of fraud committed against me in 2015. I provided proof of this fraud which was also used to open accounts with other banks. Bank of America stated they removed me off of XXXX and XXXX, which was already done the year prior. I had a business account with them in good and regular standing that was recently closed after I was approved for Merchant services and upgraded my account. Which apparently triggered a hotfile attached to me. This hot file was caused by someone stealing money from another account I wrote a check transferring funds out of town. When I got back I immediately made the account positive. They removed negative reporting but placed me on a hotfile. They closed my corporate account with no notice, one that I am a signor on costing my company thousands of dollars. They will not let me withdraw my funds, they will not be accommodating in any way shape or form and they refuse to act in good faith. I want to be removed off of the hotfile. I want an apology, and I want to be assured this issue is resolved. Bank of America has blatantly not allowed me to solve this issue. They have been abusive, they have never responded to my request. I sent a packet to their internal group 4 times. They have been extremely abusive.

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 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am behind in my mortgage and received a notice ( XXXX XXXX ) that states to cure my default I can pay by the following options : Cash, Cashiers Check, or Money Order. So I am trying to save my house and went to pay cash and was told that I am unable to pay cash. Why would the payment options presented in the notice say " cash '' but that is actually not an option. So now I have to wait until Monday and be late to work and pay a fee so I can obtain a cashier 's check to mail since bringing it to a local branch is also not an option. I also now run into the risk of Bank of America not receiving my payment in time and could start the proceedings on foreclosing on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX of this year XXXX and my husband applied for a loan. We were denied because of excess collection accounts and other credit issues. Since then my husband has been working on getting things cleared up. In XX/XX/XXXX I sent several certified letters to different medical collection agencies and all have either agreed to or removed all my old debts except Central Financial Control. They claimed I still owed this debt which was paid by my husband 's insurance and was over XXXX XXXX XXXX which is past Texas statute of limitations. Instead they sent me XXXX documents from my recorded and my son 's record along with my XXXX daughter 's record with the procedures and charges for them. My husband has works as a healthcare professional and informed me that this was a violation of my HIPPA rights and those of my daughter and son 's since the paperwork had hospital stickers and information on them. I did not give this company any written permission to have these records of me nor did my XXXX daughter when I asked her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 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:
I have refinanced my Navient private student loan. The loan was paid/refinanced at the beginning of XXXX 2016. There was an overpayment in the amount of {$1600.00} which is to be refunded to XXXX, the company through which the loan was refinanced. Navient has been contacted numerous times by XXXX and myself requesting they return the overpaid funds. They still have not returned to funds to which they are NOT entitled to. This money must be refunded to XXXX in order for them to make corrections to the balance on the refinanced loan. There is a limited amount of time for this money to be returned and processed as a refund which in turn will decreased the amount refinanced along with the payment. Navient has no claim to the overpaid amount and should return it immediately to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
We have been in the process of modifying our mortgage, which is an investor-owned mortgage with XXXX, serviced by Bank of America. We began this process back in XX/XX/XXXX ; I requested a modification because the term of the existing modification had expired. More importantly, I have a new job overseas, which will result in a significant reduction of income. Long story short, Bank of America has made this process a complete nightmare from the outset. They are either willfully incompetent or are wittingly engaged in illegal activities. They have made agreements in bad faith regarding the removal of the escrow account they they added in error in the first place ; they did irreparable damage to our credit ; they put me at risk of losing my job. They previously added an escrow account to the loan which they themselves advised was NOT REQUIRED for our loan program. 
After 7 months of the back and forth, our customer account manager changing XXXX times, we were going to opt out of the modification because there seemed to be no end in site that would be advantageous to our family. Why would we sign up for a loan to modify our existing payment that is MORE than what we were paying? 

After posting my displeasure via social media, we finally got some response and are currently in the closing phase of the loan modification. However, it has been stalled for the past 3 months because BOA lost the original loan documents. We signed the loan documents on XX/XX/XXXX. We had to download the documents from BOA 's loan portal because we can not receive XXXX XXXX and BOA would not mail to our overseas address because it is a XXXX XXXX . I called BOA to advise that I sent the documents as instructed in the cover letter to a XXXX XXXX in XXXX XXXX, CA. However, learned on XXXX XXXX that the forwarding service had expired on that XXXX XXXX and it was supposed to be returned to me. However, I just checked the tracking on XXXX that the documents were signed for by XXXX at Bank of America in XXXX TX on XXXX XXXX. They have held unapplied funds for 3 months - even though we have made the FULL contracted payment, charged late fees, and reported us for non-payment/delinquency, while we have patiently waited for our loan to close. I did try to contact XXXX via the XXXX Manager but there has been no real follow-up on my inquiries since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 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: FL

Complaint narrative:
I am trying to pay my student loan and Navient is very limiting in options for re-paying, despite the fact that I have been able to actively pay on time for the past 2 years. I am a home owner now and there are no options to make this more feasible - where I just get the same amount of around XXXX a month. They only give me XXXX options - pay or forbearance. These are not realistic options. I understand that their agents need to close a call quickly ( I guess it 's a goal of theirs ) but they also need to take more time with their customers and give them better options. I 've even considered bankruptcy ... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to open an account & get a cash advance with BOA on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to BOA in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said " well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX BOA, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in BOA in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.

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