vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
On XXXX XXXX I was notified by the buyer that they had accepted my offer of a XXXX so I emailed my lender the information he needed to begin my mortgage application. He let me know that my realtor had already sent him that information and that he would be sending me my disclosures that afternoon. However, I did n't receive them until the XXXX. He was very hard to contact and very slow at replying to emails. I was scheduled to close XXXX XXXX. I did n't receive my final disclosure document until XXXX XXXX on a Saturday. My first disclosures showed that Closing cost were overpaid by {$870.00}. My final disclosures showed that I needed to bring {$1200.00} to closing. I was confused as to how my closing cost went from XXXX dollars to over a XXXX dollars bringing my total closing costs to over {$8000.00} on a XXXX loan. I tried to get in touch with my lender but of course, as always, he was unavailable. Someone later called me that afternoon ( not my lender ) and informed me that if I did n't sign and send that day I would not be able to close on Wednesday. Closing disclosures should not be sent out on Saturday when no one is available to answer your questions.

Company response to consumer: Closed
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Bank of America required to file a claim. 
Bank of America has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.

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 2016-10-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Bank of America {$2900.00} and they refused to help. Bank of America has a link to XXXX XXXX and refuses to help. It was fraud and Bank Of America is refusing to corporate with us. My husband and I just want our money returned and case closed please.

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account was closed by XXXX on XXXX/XXXX/16 by the bank, however, I have earned rewards of XXXX Worldpoints that are clearly visibility on the website as I type this but I am unable to redeem because the account is closed. I called XXXX on XX/XX/XXXX and they said I would receive a letter in 5 days. Today XX/XX/XXXX, I received notice that because the account is closed I could n't redeem rewards. It was not my choice to close the account, and I should be able to cash out my rewards earned. Please have XXXX send me a check in the amount of {$1000.00} which I could normal redeem these rewards for if the account is open. It is bad business by XXXX to close my account without my consent. I have been paying the account as agreed with no late payments and should be able to cash out rewards. Please have XXXX contact me at XXXX to discuss sending my rewards or legal action may be required. 

Sincerely, 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 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I modified my loan, i sent payment on the new loan per their request, not till much later did I discover Bank of America and the serving lender incorrectly applied two payments to the old loan. They now they claim I 'm 60 days late.

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 2017-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is reporting late payments to my credit report dating back to XX/XX/XXXX when my loans were in forbearance they have a knowledge that the loans were in for forbearance but refused to remove my late payments. I have been calling in dealing with them since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
After reading the summary of the suit against Navient I just wanted to add my issue with releasing my parents as co-signers from my loans. As stated in the complaint the policy states that you must make a number of on time payments. I have been on autodraft for over a year ( an incentive to reduce my interest rate ) so I have met this requirement but when I called they told me I had to have made 1 year 's worth of on time PRINCIPLE payments and since I had been on the interest only repayment plan I did n't qualify. I could n't find this online anywhere but understood and accepted the explanation. I have since been trying to remember to pay a separate $ XXXX/mth to my loans in order to meet the requirement but I have missed this more than once in the last 4 months. I was planning on just calling again XX/XX/XXXX which is 1 year from when I 'd called and trying again. I do n't know if my situation is evidence of any wrongdoing but I wanted to share since it differed just a little from what the complaint summary outlined. 

Thank you for fighting for us. Graduating XX/XX/XXXX during the recession was not easy and while I 've worked hard to stay on top of everything it 's harder than ever for my generation to deal with these mountains of debt and still be expected to have lives to the standards of our parents or better. We were raised believing we could do anything or be anything and that hard work and education pays off, but the world is different and all our fundamental beliefs are wrong. My boyfriend is XXXX younger than me, did n't graduate from college and still was able to get a job and progress to buy a house at the age of XXXX. Now he 's XXXX with a home and an expensive car and no student loan debt and has made more than me since we met XX/XX/XXXX. I am XXXX with a degree and while I am able to manage my car loan and student loans I ca n't imagine being able to buy a house or even pay rent ( which is pretty cheap in XXXX compared to the country averages ) and we are n't married and neither of us has any children. I ca n't imagine being in my parent 's situation at this age, they had XXXX kids and a home and my dad has a degree but my mom does n't and how they managed just blows my mind and I 'm so grateful to them for being great examples. I am lucky that my student loan debt has at most been between $ XXXX-XXXX/mth and I am within 2 mths of paying off my Federal Sub loans but I will still be paying Navient for the next 10 years unless something magical happens. My situation is so much easier than most, but I also know how student loan debt can paralyze you and how 9 years after graduating it still is n't paying off for me. 

Thank you for all you 're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am XXXX. I submitted an application to which they acknowledge my circumstances. Their solution is that I transfer the loan to my cosigner. Additionally, they have stated that the loan is in the name of my cosigner, without me or my cosigner having agreed to this action. Now despite us making payments that we can not afford, they are constantly calling to harass with robocalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 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: NM

Complaint narrative:
I took out a loan and started paying XXXX XXXX, then it switched to Navient, I have been paying extra here and there but my balance does n't seem to be going down, it 's like my payments are n't making a difference, I should be done paying it, but it 's not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have been trying to get the address to file a small claims suit against Bank of America in Utah. I get no help from any of the contacts I have made to Bank of America. I also did not receive the information in my last complaint. There were many errors on when my modification was done. My request is simple. I need the name, address etc. to who I can serve a small claims suit to in XXXX XXXX XXXX Utah.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015, I made a " Bill Pay '' payment to my Insurance company for XXXX ( XXXX ) policies, which Bank of America would not pay on the same date, and which BOA confirmed to me would be DELIVERED on XXXX XXXX and XXXX XXXX respectively. I accepted this arrangement even though this same situation happened six months earlier as well. The XXXX policy was indeed DELIVERED Electronically on XXXX XXXX to the Insurance company. Today, I called BOA as there was no indication that the XXXX policy was paid and was told that on XXXX XXXX a paper check was sent to the insurance company but it had not cleared and my account had not been debited. I firmly suspect that the BOA had sent a " paper check '' by postal mail, knowing full well that it would take several days to reach the insurance company, and in that time frame, the monies in my account were " floating '' for the express usage of BOA, thereby not out of the BOA system. I believe this is disgraceful and probably illegal, since an electronic transfer on XXXX XXXX ( as promised ) would have debited my account and funds would not be able to be used by BOA as it would be out of their system. Multiply this procedure taken by BOA by the XXXX of depositer 's at that bank and the interest gained by BOA is in the XXXX geared to their bottom line. I would not be making thjis complaint save for the fact that these Bill Pays were for Insurance Policies, which if not paid on time would be subject to cancellation of the insurance policies. The CFPB should require ALL Banks that provide " Bill Pay '' services to abide and live up to their promises especially when I have the BOA CONFIRMATION indicating DELIVERY by the respective dates, not SENDING but DELIVERY. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America agreed to a loan modification after notifying us a few days before XX/XX/2015. We submitted all their documents they required and they received all documentation. The entire file was copied at sent From a BOA branch in XXXX XXXX directly to the loan modification BOA branch. We had gone through quality control and the file was placed for modification and BOA attempted to stop the sale but the Bank bought our property. I am a XXXX Veteran. I served as XXXX. XXXX. The veterans administration gave me a XXXX income and has already approved and inspected our home for a VA grant of {$90000.00} and a XXXX XXXX grant of {$90000.00} to make our home of 16 years XXXX. They were going to bring the home up to code, and add another room for me with seperates bath and new appliances. The remains money after renovations is paid directly to BOA, lowering the principle. Attorneys for BOA argued in court that they never heard of the VA money and that it was just a sham to delay the foreclose- I paid an attorney to file an objection to the transfer of the certificate of sale. BOA committed the shams, used robo signers, created a document a mortgage note and forged my name on it- nobody cared and I guess that is standard practice for BOA. 
But I do have the benefit from the VA. I would like them to honor the loan modification and allow the VA to upgrade the property and pay down the principal. I have the VA benefit and the income to pay. Why they would want to put a XXXX veteran with XXXX XXXX kids on the street is beyond me. It 's just greedy and plain wrong. Help! XXXX XXXX Home loan team BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : VA benefits can be verified for XXXX XXXX by XXXX XXXX, Sr. Appraiser/Specially Adapted Housing Agent office phone and fax XXXX XXXX email : XXXXXXXXXXXX. Mail XXXX XXXX attn : XXXX XXXX XXXX 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 2016-03-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I took out a parent loan to assist in putting my son through college. This loan is ridiculous. The interest rate keeps going up, it is now 8 %. I originally borrowed {$12000.00} at the end of the loan period on XXXX/XXXX/XXXX I will have paid back {$34000.00}!! My monthly payment is XXXX and I always pay {$150.00}, this is getting me nowhere. I am hoping there is some way for you to help me. At this rate I will be in debt with this company until after I retire or later if the interest rate continues to climb. Please help or give me advice as to what to do. Everyone I have contacted says they ca n't help because it is a parent loan and not a student loan. I thank you in advance for any help you can give me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 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: CA

Complaint narrative:
I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Bank of America IRA help desk employees. Yet Bank of America policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.

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 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was illegally denied a loan mod with Bank of America, loan # XXXX. They said I maede. They used data from original loan application {$7200.00} per month. They had acces to tax returns stipulated in loan app. I told them I made {$2800.00}. per month. They sent me a letter stating the XXXX per month as a reason for denial. Please forward this info to current XXXX XXXX. In addition they violated a bankruptcy stay to initiate a foreclosure. I filed another Chapter XXXX BK. The mortgage was dischared under case # XXXX in the XXXX XXXX of NY. Bank of America sent me a notice that they had written off this debt with the IRS. Then they sold loan to XXXX XXXX XXXX and are now trying to evict me. I just noticed the Settlement last Friday with XXXX Bank. I am requesting the same result since this is a mirror image of a business practice. They also have faile to answer a QWR. I am requesting enforcement action to compensate me with a monetary settlement, an immediate cease and desist from any further collection activity, and relief from any judgement. Please contact the above parties ASAP to settle this once and for all. Please inform XXXX that they must provide chain of Title to you, so that you can verify the fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America claims I am past due when I am set up on recurring payments.

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