vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
RE : Bank of America HELOC account number XXXX Bank of America has de-listed my HELOC account from my login into their website to make payments. They also quit sending me statements. I have spoke to them and they requested assistance and complied with sending them the information pertaining to paystubs, bank statements, etc. which I have provided to them. I have proff from USPS tracking they received them. However, they will not contact me to let me konw the status since I am unable to view the account online or see any statements via USPS mail since they discontinued that. I would like to know the status of my HELOC and what I can do to get it restored, however they are not compliying. Due to my long work hours XXXX - XXXX Monday through Friday, I am unable to receive or make phone calls during those hours. Therefore I 've requested they send me updates via USPS mail or email and they have not. They request that I call them, which is impossible due to my work.

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 2015-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-08 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: MO

Complaint narrative:
I attended XXXX XXXX to pursue a degree in XXXX XXXX. I graduated with an XXXX degree and was told that I would get a job right after I graduate and if I wished to further my education elsewhere it would accredited. That was all incorrect. I was lied to from the beginning and they took me for loads of money and I can not even do anything with my degree. So I am XXXX dollars in debt and had to get a job in a field that has nothing to do with my degree because I am so far in debt I can barely even make the payment. I am barely scraping by. XXXX XXXX has ruined my life and put me in a hole I do not think I will ever be able to get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
bank repeated ly cause me to be over drawn. would not remove XXXX charges. card reader inoperable. {$7.00} on XX/XX/XXXX they now do n't show the XX/XX/XXXX check I wrote to the XXXX I attend. they hold withdraw from account then post it after so you can be overdrawn. I have chked accont @ XXXX then @ XXXX and it is totally different than it should be. when I print it out then net time I have difficulties doint so.

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 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A Loan Modification Package was submitted to XXXX on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). XXXX provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to XXXX new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. XXXX denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) XXXX did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by XXXX prior to denying the loan modification on XXXX/XXXX/2016. In fact XXXX sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already providedXXXX was diverting there responsibilities as required by XXXX XXXX to forward the loan modification request to the new servicer. XXXX never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer Bank of America provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/XXXX,2016 ( Hereto Attached ). XXXX continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). XXXX denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by XXXX and did not allow the borrower the right to appeal such decision. XXXX did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial. Bank of America has prior knowledge of the loan modification request as they have sent correspondence to our office with knowledge of our representation.

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 2016-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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:
Bank of America signed me up for a lifetime free checking agreement years ago. I have had an account with this bank since 1988. They have been charging me {$14.00} dollars a month fee and told me that they " changed '' the terms. This is NOT what the agreement stated when I opened the account. I have had rude customer services express that I am more than welcome to close this account if I am not happy, when I am requesting them to honor their agreement.

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 2015-10-06 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: MO

Complaint narrative:
have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: PA

Complaint narrative:
Navient despite saying they would put a hold on calls, are still calling my co-signers nonstop. 
They are also misrepresenting my loans. I am paying later in the month but they are paid before the payment is due for the next month. They are saying they are two months late when that is n't true. 
Harassing distressed borrowers is not helpful or ethical. 
I think they are harrassing them because I am defaulted on loans without cosigners. I have no hope so at least they could not verbally harass my cosigners and they should not lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Because of long-term unemployment, after " no cause '' job loss, coupled with XXXX and attendant medical bills, I got behind on my mortgage. Servicer ( XXXX ) bought servicing rights from Bank of America, and immediately began sending foreclosure threat letters, then accelerated my loan. Much added to loan balance in the form of " inspection fees '' and " legal fees '', and holding my payments " in suspense. '' We are now at the point of state-mandated Resolution Conference, and application for loan modification. I have examined the recorded documents relative to my mortgage, and find evidence of robo-signing, assignments of which I was unaware, and now, there have been provided XXXX DIFFERENT versions of a " certified copy '' of the Note. This includes an unattached, undated " allonge '' and a double rubber stamped signature by XXXX documented robo-signers. There is no evidence of a Pooling and Service Agreement. Paperwork involves Countrywide, XXXX, Bank of America, XXXX, and XXXX. 
Something is not right. It appears that XXXX, the entity claiming ownership of Note, in fact, does not. 
I have received XXXX denials for loan modification, as well as an offer for a " trial modification '', followed by another denial for the same loan modification which was offered. These have all come via mail from the Servicer in a three-week period. 
The next Resolution Conference is scheduled for XXXX XXXX 2016, two weeks after my " deadline '' to accept the modification terms.

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 2017-02-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After hearing about the recent allegations against Navient, I would like my loans verified. If they ca n't be verified, I would like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a customer of Bank of America and over the last year they have changed their policies regarding the minimum that customers can keep in their savings and checking accounts. I was informed of this and I complied with that policy. However, Bank of America continues to apply {$5.00} fees even after compliance and continued complaints. The minimum is {$300.00}, and I have {$500.00}. 
I am able to maintain, but my question is how do people who do n't have that income and are living off every cent they have use a bank?

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 2016-07-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Hello, I need assistance with my private student loans. I do not understand how they can be charging me so much and increasing my interest rate without my knowledge. I graduated from college in 2012. I borrowed from XXXX XXXX ( now Navient ) a total of {$30000.00}. To date, I have paid {$21000.00}. My current balance is showing as XXXX. I do not understand how I can owe so much money. My balance seems to never decrease even though I make regular payments. I do n't know that I am ever going to pay off these loans. I recently started trying to increase my payments to try to pay down my debt faster. As soon as I began increasing, XXXX XXXX increased my interest rates and the amount I owe has increased. This is not fair. I try to call but I am never able to get in touch with anyone. I need help. I do not want to default on my loans but I am afraid that will be my only option. I can not continue to make outrageous payments and not be able to decrease my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: OH

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX, Ohio. No tests were performed. I merely met with a doctor and was given a wrap for my leg. I was insured with XXXX XXXX XXXX and this was an in network provider. My insurance paid over {$600.00} to the Hospital. 

I have repeatedly tried to get an itemized bill from the hospital to no avail. Additionally, the hospital turned an excessive amount due over to a collection agency ( Arc Management ), even though I was only responsible for my co-pay.

Company response to consumer: Closed
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I had made my third trial payment with XXXX XXXX XXXX Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to Selene Finance and when I called Selene Finance although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at Selene Finance said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company Selene Finance. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have which I thought was super strange all companies give a confirmation number it shows that a payment was made. After that I decided to check the reviews on Selene Finance and saw that they had XXXX complaints and not one good review I guess XXXX XXXX knew exactly how to get me and my home into more issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Solutions To Portfolios, LLC
State: CA

Complaint narrative:
In XXXX of 2014, a debt collector working under STP attempted to contact me at work. When I spoke to them during work hours, the rep told me that if I chose to not take care of the debt today that they would send someone to pick me up that day and proceeded to ask if my mother ( and asked about her name ) would be home that they would be waiting there too. I spoke to a supervisor at that time and she took my card information down so that they can retrieve the funds. I received a call from my father today claiming someone called him on his cellular phone, which I never provided. I call the number ( XXXX ) XXXX and the rep I spoke to was from a law firm that STP hired to settle this matter in court and that I never finalized payment. I agreed to pay off the debt on the phone in payments. I look up the number after the conversation and it is a debt collector. The way they contacted me, my workplace and my father was not right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK
State: UT

Complaint narrative:
After my loan was paid in full. XXXX additional automatic bill payments were made to the servicing company. I 've requested they send those payments back to me, but I was told they have no record of the payments. I faxed them proof of the checks being cashed by my bank, and they said their research department never received them. I asked if I could email them the copies, and they said no. I would be required to fax in my request. It 's been more than 2 months and I still have not received my payments refunded to me. I know the servicer has a fiduciary responsibility to apply payments, or refund over payments in a timely manner. I also experienced the same kind of issues when requesting the payoff amount in the first place. They will only accept payoff requests via fax, and there appears to be very little accountability for employees to ensure they are received and worked on in a timely manner. Before finally receiving my payoff quote, it was almost a month in time from the initial request. I do n't want other customers to have to experience this kind of servicing. Ultimately the consumers are hurt by a lack of care on the part of these type of servicers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
This debt collection company has had this account on my record for years and I was not aware as I was not paying very close attention. Now that I am paying attention to my credit and clearing it up, I asked them to remove it as did the original creditor XXXX-who the debt was paid to- and they refused until next year. No payments were made to this company and the original creditor even called them when the account was paid off and removed the account from them and has since sent another request ( in the last 60 days XXXX to remove the account to which they still refuse. This is a tactic that is hurting my account and they refuse to abide by the creditors request or mine to have the account removed and so I am taking the next step in a long drawn out process. I want this collection off of my account before next year

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: WA

Complaint narrative:
Hello, one of my student loans was recently sold without any day of myself to a new organization UHEAA who then notified my via email that they would need me to log in providing all of my most sensitive information to an unknown company oh, but by the way they already had all of my pertinent bank information and with complete disregard to my pre scheduled payments at my previous loan company were billing me at their discretion ( and by Bill I mean removing the monthly balance that they determined from my bank out directly on a random date. ) The lack of consent needed by the loan recipient to have such sensitive information directly transfered to another company is appalling and I am sure that the sale of my loan is to help bundle with less desirable loans to provide a marketable product that investment funds can purchase, similar to the practices that lead to the housing crisis. The lack of oversight and attention to security of personal information is quite astounding and scares me. Is there no regulation of how this information is passed? In signing up for a student loan do we give up our privacy rights and the security of our financial information for the foreseeable future? I am appalled and I urge you as a regulatory body to intervene sooner rather than later because the implications of these fast and loose processes are frightening

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