vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX 2015 I locked a loan with Bank of America XXXX BofA XXXX. XXXX XXXX was the loan officer. The interest rate was 3.5 % and the APR was 3.519 %. On XXXX XXXX I was informed that BofA could not honor the loan interest rate that we locked on XXXX XXXX. They stated that they could do that days rate which was now 3.75 %. I cancelled the loan with BofA and moved to XXXX bank where I closed a loan at 3.75 % interest rate in less than XXXX weeks. 
I had moved to BofA from XXXX originally because XXXX had enticed me by stating that he can beat on the rate and closing costs. XXXX had offered me a 3.5 % interest rate and XXXX had stated he would beat them at the closing cost amounts and at least match the interest rate through what he called a 'competitive match ' situation where he obtained approval through his boss. There are supporting documents that show the 3.5 % interest rate lock. Also, XXXX received documents that day. I 'm unaware of what they entailed. Please let me know if you need more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX 2015 I went online to check the balance on card/account before making a withdrawal. I found that someone had accessed my account on XXXX XXXX, 2015 from an ATM making XXXX balance inquiries and XXXX subsequent withdrawals each in the amount of {$400.00} totaling {$800.00}. I called Bank of America and cancelled the card. They told me I would receive paperwork to fill out and return for a fraud claim and would receive a credit pending an investigation. I never received the documents and when I called to check the status on XXXX XXXX, 2015 Bank of America told me that the claim was denied stating that I had not proved that Fraud had occurred. Additionally, on XXXX XXXX 2015 I filed a police report and contacted Bank of America ( on that same day ) with the report number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I initially borrowed XXXX dollars in XXXX. I graduated from XXXX school in XXXX. The first couple of years I paid, then I deferred a couple years followed by a forebearance or two. I was never given a statemwnt indicating all this interest would be tacked on to the end. It was literally a phone call and answering yes to XXXX questions. Too easy! I was young and had no idea the mess I would be in today. I have been paying consecutively for at least 5 years now. The last XXXX, greater than a hundred bucks a month. I called to get a payiff because I had n't received a statement and my loan had been sold several times .... I owe MORE than I borrowed 16 years ago!!!!! Outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: MO

Complaint narrative:
At the Bank of America Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Bank of America suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Bank of America, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Bank of America Merchant Services for our XXXX. 

XXXX XXXX XXXX has promised us that : 1. Bank of America would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance. 
2. Bank of America will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Bank of America compared to XXXX and XXXX XXXX XXXX XXXX. 
3. XXXX XXXX XXXX has promised us that he would make sure that Bank of America pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Bank of America Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Bank of America to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Bank of America. 

We would like to settle this by having Bank of America pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and 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 2015-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
After a deal for a loan fell through for finance on a house the finance person XXXX XXXX XXXX called the VA and misrepresented herself to obtain information on my previous history with the VA. She then posted an email online claiming that I lied, defrauded the government, that i somehow convinced a person at the VA to go into the system and change information for me. I started working with XXXX XXXX back in XXXX 2015. She in later passed my financial package on to another person in her company who later, around XXXX XXXX, 2015, that a financial deal could not be reached. Later XXXX XXXX called the VA representing herself as if she was still involved with me on obtaining financing for housing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have XXXX mortgages on my home that were transferred to Bank of America from Countrywide. I applied and was approved for a modification on my XXXX and was told that the XXXX would follow immediately after. After many single points of contact with B of A and completing an extraordinary amount of paper work I was told I did not qualify any longer because my income is too high. I have tried to speak to all department at B of A that may be able to help me and I get different responses to the same question. I decide to hire an attorney who understands the system better than me. She is getting the same inconsistent response as I was. I told the attorney to make a short pay of offer to B of A. B of A rejected the offer stating that I have n't been denied modification in the last 60 days. B of A wants me to start over again. If I was denied because of income before why would it change now? My attorney requested a copy from the note holder indicating that the offer was rejected. We have been waiting a week with now response from B of A. 
The has been going on since 2009, I have tried diligently to reach some kind of agreement with B of A but the refuse to be upfront with information. After 6 years late fees have accumulated and my credit for the first time has had negative reporting. If the right people from B of A would just communicate with me I 'm sure this can be resolved quickly. Neither my attorney or I have been able to contact the right person. I have lived in my house for 10 years and would like to stay. The value is still considerably less than I owe. 
Thanks

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 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen is continuing with a foreclosure despite a bankruptcy filing, a Chapter XXXX Petition with the United States Bankruptcy Court, District of West Virginia, in Case Number XXXX

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

Complaint narrative:
Callings all-day long. Customer service is rude.. never received paper work because I '. Unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: TX

Complaint narrative:
I have several months of negative reporting for Acct # ending in XXXX from XXXX, which is showing " pays as agreed '' however, it 's showing delinquent from XXXX to XXXX of XXXX. And the other Acct # ending in XXXX from XXXX to XXXX, is reporting negative from XXXX XXXX to XXXX XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
When applying for or renewing income based repayment, for the last ten years, I was always forced to use a one month forbearance first. This resulted in capitalized interest increasing my interest charges. As interest is now being paid as principal, it has also increased my tax liability. I was not able to claim the interest payments made as a tax deduction. Also, my last IBR renewal was denied by Navient while it was approved by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Leading Edge Recovery Solutions, LLC
State: PA

Complaint narrative:
This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America started charging monthly maintenance fee on checking account based on changed criteria. Earlier to XXXX 2015, BOA used to charge monthly maintenance fee of {$14.00}, if " monthly average balance '' is less than {$1500.00}. Since, XXXX 2015 the bank changed their criteria ie BOA started charging monthly maintenance fee of {$14.00} if single day balance in a month is less than {$1500.00}, even though average monthly balance exceed {$1500.00}. The website, online site clearly mentions maintenance fee will be charged if 'average monthly balance ' during a month is less than {$1500.00}. When you call customer service and complain they give credit on the fee charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
my loan has been given/sold without my knowledge, i have been trying to make payment arrangements and keep getting the run around or no options let alone I did not complete school

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the past eight months I applied for a loan modification and have been rejected three times due to the Bank of America not allowing my full income as documented. Therefore disqualify me from any loan and trying to force me out of my home in the way of foreclosure or short sale even though I am making my loan payments. 
In addition they have added unsubstantiated amounts to the loan which when asking them to document falls on def ears. They have yet to provide what these extra amounts are for. I need your help this is unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I found that US Bank opened a fraudulent credit card account under my name for a thief, who somehow stole my SSN and maybe DOB. As the thief also reported a brand new address, which does n't match any of existing addresses in my credit reports, US Bank should conduct more rigorous underwriting process and due diligence, require proofs of the new address and contacting me at the address that is listed in CR 's. They also should be surprised ( and stopped ) by total absence of any mortgage for this new property and seeing that my existing mortgage for the CR listed address is not paid off ( like if thief told them that he moved ). This negligence makes US Bank an accomplice in the Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/15, I deposited a {$5000.00} check using the Bank of America mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : " There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. " The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I paid off a student loan in full on XXXX 2016, which Navient acknowledged and documented. On XXXX XXXX, 2016, Navient auto-debited from my checking account {$360.00} to be applied toward the already paid-off loan. When I called Navient, they said it would take a week to reverse the charge. But I 'm stuck paying overdraft charges on my checking account and the late fees for bills I ca n't pay due to this duplicitous attempt to collect on a paid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Pioneer Credit Recovery Inc continues to send letters advising that a debt of XXXX is due to the XXXX XXXX for a Small Business Administration loan. No one at this address has ever applied for, been part of a business, or co-signed with anyone taking out a Small Business Administration loan. This company, Pioneer Credit Recovery, has been notified in the past that this debt does not belong to the occupants at this address. Yet, they continue to seek collection with letters threatening wage garnishment or legal litigation by the Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
This company has called past co workers, childhood friends, and mother in law. Some of these people I have n't spoken to in years nor know their phone numbers myself.

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: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made 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 2015-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MP

Complaint narrative:
XX/XX/XXXX I applied to Bank of America for refinancing of home due to scamming by current mortgage holder.  XX/XX/XXXX house was appraised; appraised value approximately $40,000 less than comparables.  Made written complaint to BOA and multiple phone 
calls.  Only responses came from local mortgage loan officer who had to get update from someone else.  XXXX day he was not there and was told previous Thursday was his last day on job.  Since, received XXXX return phone calls but no others although I tried to get updates.  I was told to NOT pay previous mortgage in XX/XX/XXXX. but in XX/XX/XXXX. paid because I was three months overdue.  Still no response from BOA as to current status of initial application.  In XX/XX/XXXX. was finally told application was cancelled because of concern over appraisal.  Offered to reapply which I accepted.  Finally closed in mid-XX/XX/XXXX.  Before re-fi- application had HELOC which was rolled into re-fi amount.  After closing in XX/XX/XXXX. I received appraisal "drive-by" update upholding original appraisal but limited MLS inquiry to houses sold to max of $100.000 since date of original appraisal.  Three weeks after original appraisal, house XXXX with initial identical floor sold for $40,000 more than the appraisal of my house.  As after initial appraisal I made complaint to XXXX which denied any action.  Soon after closing on re-fi
 BOA re-applied for HELOC and was denied for # of delinquent accounts, proportion of balance to limit on revolving accts, too many inquiries in last 12 months, and insufficient length of revolving credit history.  Report dated XX/XX/XXXX for XXXX credit agencies shows
XXXX, XXXX, XXXX but another document shows XXXX for credit score.  Current report shows XXXX acct--XXXX of which have current activity.  Others have been paid off.  No. of  inquiries were elevated due primarily to activity related to re-fi and HELOC activity and  
one emergency home repair.  History reported goes back as far as XX/XX/XXXX.  I don't know where they came up with their conclusions.  I am satisfied with the ultimate re-financing but not with the hassles I had to go through to get to that point which had a deleterious effect on my health during this time.  I had to talk to too many different people to find out what was going on only to get no response.  Then to get this fabricated denial of my HELOC application was a "low blow."  I think it all revolves around the falsified appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation