vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I contacted Bank of America to inquire about a Home Equity Loan XX/XX/XXXX.During the intake of my information, the representative said that it would help my loan process if I had a checking or savings account with BofA.On that call, he pressured me to make an appointment to open accounts at the local branch. I went and opened checking and savings accounts.I asked the initial representative, the branch representative, the mortgage specialist and his manager if my credit would be an issue for approval, as I incurred late payments when my previous bank/mortgage accounts were sold by XXXX.They all said, it would not be an issue. I indicated that I needed to be sure because I was applying for a home equity loan ( on a house I own a 100 % of-no mortgage ) to pay an unexpected income tax bill.They all assured me to continue with the process.Today I received a denial for the loan.When I asked to speak with someone, XXXX XXXX ( who previously assured me it would be fine ) told me that Bank of America would NEVER approve a loan when an applicant had a late payment to a former mortgage holder. They saw my credit report when I started the process and lied to me the entire time.They pressured me into opening bank accounts and applying for credit cards.I feel that they have deceitful and dishonest business practices.I complained about the specialist assigned to me to XXXX XXXX, that he was unresponsive and told me that if I wanted a quick turn around I should have applied to a smaller bank because they have less customers.After my complaint, he treated me worse, sat on paperwork and was not responsive.Now 6 weeks have passed and I am no closer to having a way to pay my income taxes - except now, my credit score has been lowered due to the hard credit inquiries from the credit card they pressured me to apply for and the loan I ultimately did not receive.They have added themselves to my homeowners policy as a XXXX loss payee without approving me for the loan.They have wasted my time for 6 weeks.I corresponded with XXXX XXXX on XXXX XXXX and she NEVER said they do not approve loans if you have been late paying a prior lender ( even with a valid explanation ). I was full disclosure about this - because I was worried it would have an effect. I am feeling like they must have quotas to submit for applications and to open accounts and used me to fulfill their requirement only to mislead 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 2016-10-11 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: LA

Complaint narrative:
I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 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: MN

Complaint narrative:
I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2009 there was a return payment on my Bank of America credit card account. From that point on I have been charged for a cash advance, and my interest rate went from 7 % to 24 % I have made every payment due and also paid the month of the NSF. My account has remained current from the beginning of the loan until now. I recently contact Bank of Amercia about this discrepancy and they stated it was nothing they could do. Please help..

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 2015-11-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC
State: DC

Complaint narrative:
I applied online for a Home Depot Home Improvement Project Loan in the amount of {$20000.00} on XX/XX/XXXX which was approved for {$10000.00}. At that time I accepted the loan and electronically acknowledged the loan approval and was provided a loan number with my loan approval amount. The system notification also stated that I could request an increase through the company 's XXXX number. On XX/XX/XXXX when I received my kitchen project final quote from Home Depot, I attempted to increase my loan to {$20000.00} but was told by the rep that an increase could not be approved but that the original approved amount of {$10000.00} would be available. On XX/XX/XXXX I presented the loan document and a cashier check for the project difference to the store and the loan was blocked. I spent over 90 minutes in the store at the register talking to the loan customer service department Account Supervisor who stated that the previously approved loan was loan was blocked for " income verification '' and that I would have to provide proof of income. The options offered were check stubs for the last thirty days and income statements. I am self employed and happened to have with me copies of XXXX checks paid to me by the consulting company that I work. I was told that those checks were unacceptable because they could not see any taxes being withheld from the payments, and that if I was self employed I would need to provide my XXXX or tax returns for XX/XX/XXXX. I asked the loan customer service rep repeatedly ( more than three times ) why I was approved for the loan but never informed that it was contingent upon " income verification '' until I came to the store to make a purchase, only to be denied credit at the time ( 5 days later ) of my purchase. I received no phone call, email or regular mail to notify me of this situation. Ironically, when I returned home from the store the home improvement project loan card had arrived via fedex to my home. The following day I had to provide copies of my tax returns to the loan customer service department, and only then was I granted access to the credit for which I was originally approved on XX/XX/XXXX. I still was not given a reason for the block on the original approval. I am deeply concern that there was no notification policy or real approval process for actually obtaining credit offered.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03 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: MD

Complaint narrative:
My name is XXXX, my grandmother XXXX who is a co-signer on one of my loans which was with XXXX before XXXX was taken over Navient Solutions.  Navient Solutions has harassed my grandmother XXXX for several months and are now stating that they are filing a law suit against her for payment on the loan.   My account has been in deferment because I am currently in school at XXXX, additionally, in XX/XX/2015 when I had access to my online account my deferment was still in place for my account.  My grandmother starting complianting around XXXX that she can not take getting several calls throughout the day regarding this loan.  When she finally talked with them she direct them to contact me...However, their first contact was through a mailed letter date XX/XX/2015, and since they have been speaking with my grandmother XXXX, I no longer have access to my account because they have deactivated my account as they have been pursuing and persecuting  my grandmother for payment.  They have given my grandmother a different account number for the same loan. When I call them to discuss the account they can not find my information. I just recently starter receiving letters stating that my loan is in default and that I need to contact them to make arrangements.  I want them to stop harassing and threatening to sue my grandmother for payment on this loan, because I have always been responsible for this loan by either making payments on this loan or having the loan in deferment due to my continue education status. Bottom line want them to work with me which for some reason that have chosen to harass my XXXX year old grandmother who is on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
1 ) XXXX XXXX Tax billed and BofA paid XXXX the amount of taxes paid per month during the life of this 9 year loan. 
2 ) BofA billed me for the additional amount. When I learned of the error, I contacted XXXX XXXX Tax who refunded ~ {$600.00} of the XXXX billed and paid by BofA . 
3 ) I notified BofA they would receive the refund, which was paid back to their billing are, XXXX who cashed the refund check XXXX XXXX and finally appeared in my mortgage statement during the XXXX week of XXXX. 
4 ) BofA began moving portions/all of my monthly payments to my escrow account. I do n't know when this began because BofA Online blocked my access to my mortgage information. 
5 ) So even though BofA has recouped my property tax payment, and even though I have never been late in making my mortgage payments, including for the current month of XXXX, BofA continues to write billing letters, generate automated billing phone calls, and have had XXXX or more call me demanding payment. 
6 ) I have belatedly learned that although not done during the past nine years, it is the practice of XXXX XXXX Tax to verify my 50 % reduction in property taxes every four years based on current income. I have asked them to notify me rather than Bank of America to preclude a similar event XXXX years hence. I have enjoyed an excellent credit rating for many years, and again, have neither missed nor been late in making a mortgage payment, so being treated as a deadbeat is something I find incredible and not at all pleasing. Any third party will quickly see the diabolical mess BofA has made of my payment history and how I have without fail made my payments on the fourth Wednesday of each month and received by Bank of America the following day via electronic transfer. The various contacts made by Bank of America began the latter part of XXXX and have continued through XXXX and into XXXX, 2015, with no relief in sight. 
Note : Contacts by Bank of America have come form numerous sources and geographical locations, including XXXX, TX, XXXX XXXX, CA, XXXX XXXX, CA, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Bank of America Loan # XXXX When Bank of America was the servicer that told me untrue and incorrect information and then later tried to take my home. This has caused me to lose the 2 % HAMP modification that I previously had. See attachment for details. 
Bank of America clearly misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America you are the biggest disappointment to all Americans. President Obama gave the banks money to bail out to help families like myself who needed remodifications. Families like me that had actual hardships. To think you call yourself Bank of America. You are not what America stands for. You are a lying, cheating, Bank!!!!! U told me to apply for Remodification I did and you denied me over 20 times and I had lawyers tell me how disgusting u thieves were.You then told me get an offer on your home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and so many more. I got an offer and then XXXX stated have it loaded into equator with the perspective sale date and fully executed contracts. I believe his boss then had him tell me due to delinquency we ca n't continue with a short sale, after you scheduled a home inspection. You are the most unprofessional lieing people. I hired XXXX lawyers and a real estate agent. I contacted the president, senators, XXXX XXXX, XXXX, news and women 's activist for your predijuce ways.You never had any intention of allowing me to short sale my home that 's why the new issue is the home is to delinquent! Is n't that why you short sale a home.Like I stated in my previous letter XXXX is a XXXX male of status just as his colleagues are.I asked that I not work with him before. I have been discriminated against by Bank of America and I will not be leaving my home. You will provide me with my short sale because somewhere in that company there is one person that has decency.I expect that you will postpone my sale for XXXX XXXX and allow me the option to conduct a short sale. I met one person in that company XXXX in short sale with actual morals. Calls like she says and is kind and XXXX also. Someone else has to have dignity .Please do n't allow me and my children to be homeless or displaced. Please allow me to short sale my home and move forward as my hardships have been my children 's also. Divorce, loss of job, loss of income and now loss of home. Have a XXXX heart!!!!!!!!!!!!!!!!! You have taken my home from me and my children!!!!! Thank you in advance give me the opportunity to move forward. You have discriminated against me enough and as you see I do n't go away. I will not go away XXXX XXXX, XXXX and XXXX XXXX have time to listen so I expect you to be the Bank of America. Help me Please please please. Let me short sale my home.What other excuse do you have. 
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 non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: TN

Complaint narrative:
i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...

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 2017-03-17 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: TX

Complaint narrative:
I have tried 3 times to make arrangements on paying back my loans. Every time that I call they only give me the income base choice for repayment. I am still not able to pay the amounts that are offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX, my mother refinanced her house through Bank of America in XXXX, XXXX. She was XXXX years old. They gave her a 30yr mortgage. After she refinanced, she said XXXX if anything happens to me the house will be paid off. Three months later she passed away. I went to Bank of America with her death certificate and will and gave to XXXX XXXX. She assured me it would be forwarded to the Mortgage Dept, and if there was insurance it would be applied. I never heard from Bank of America. I faxed those documents 4 times and hand delivered them to XXXX 3 times. The property was left to me and they acted like I did n't exist and because of privacy they could n't discuss it with me. I hired XXXX XXXX to represent me. Bank of America on 3 different court dates had no paperwork that my mother signed. On the 4th court date, they had no paperwork but my attorney said you have to go bankrupt to keep the house. I went bankrupt, paying XXXX a month, but eventually the payments went up over XXXX a month and I could n't afford it. Bank of America sold mortgage to XXXX ( supposedly ). I was evicted, and Bank of America sold my house to a man for XXXX. They never gave me a chance. My bankruptcy Case Number is XXXX. It was filed XXXX/XXXX/XXXX. This matter has given my XXXX. I do n't think it 's right that they kept the bankruptcy payments, never acted like property was mine or would work with me even though deed was in my name. This was predatory lending. I spent a lot of money on lawyers and bankruptcy and expected at least bankruptcy payment back.

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 2016-06-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
For the last 9 months or so, Bank of America has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.

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 2015-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America has compromised my property into a short sale, after a long-term application for a Forbearance on my property. The Bank consumed much of my time, and energy through this process very poorly over a three month process. At the time I was collecting unemployment, my case worker indicated that the IRS form I needed to fill out to show whether or not I was in hardship. As a consequence, I was advised at least four times that my form to the IRS was filled out inaccurately, and had to resubmit the form. I was accused that the form was altered per the IRS comments, or other reasons that this form was filled out incorrectly. 
Further, I was advised by the loan modification group that this was the only piece of information was missing to complete my hardship modification. The process began XXXX XXXX, and did not end until I received a letter from the bank late XXXX indicating my only option is a short sale. 
Thus, putting my home into jeopardy of a foreclosure. I called the bank and discovered my only option ( prior to the last two days prior to transferring my loan to another bank ) was to pay back the two months to avoid a short sale by Bank of America. 
The bank 's management of the loan modification group mentioned I was not required to pay my mortgage payments, during the modification process prior to selling my loan effective XXXX XXXX, 2015 to XXXX, XXXX who has now taken over my loan??? I was advised further by management to discover if the new lender had options for me, which I have no idea who this bank is or what the lending practices are. This above issues, and process has caused me emotional duress, much time loss, and hardship, because now Bank of America is making me repay due to the banks error the payments, I was not required to pay. I was provided 30 days to Appeal, but how can I Appeal a decision when my mortgage was sold. I was only notified by mail that my mortgage was sold during the modification process. I also can provide several supportive documents to validate my claim with CFPB.

Company response to consumer: Closed with non-monetary relief