vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Greeneville Collection Service, Inc.
State: TN

Complaint narrative:
My problem actually involves XXXX separate issues with the debt collector, Greeneville Collection Service Inc., in XXXX, TN. 1 ) they contacted my employer, 2 ) the caller who identified herself as XXXX XXXX falsely represented herself to my supervisor, acting as though she was personally acquainted with me claiming she had not 'spoken ' to me in awhile, and inquired as to my employment there 3 ) the agency is trying to force me to pay a medical debt from XX/XX/XXXX that I have already paid off in full, through a lawyers office, XX/XX/XXXX. 

It was only AFTER I paid off the medical debt through the lawyers office, that this collection agency began contacting me saying that I owe them money for a medical bill from the same hospital, same date of service ( XX/XX/XXXX ) and same exact dollar amount. They claim that the money I owe them, is for separate hospital charges. However the documentation that I have proves otherwise. 

It is my belief, that this is a fraudulent attempt on behalf of the collection agency to collect money from me, that I do not owe. The dead give-away of their attempts to fraud me is the fact that this collection agency, NOT ONE TIME, ever tried to contact me prior to XX/XX/XXXX regarding the medical debt in question. The fact that they waited until after I paid the same medical debt off XX/XX/XXXX is what makes me highly suspicious of their motive. This agency is well known for doing this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: TX

Complaint narrative:
Our mortgage was sold from XXXX to Salene Finance in XXXX 2015. I paid my XX/XX/XXXX payment to B of A but Selene never got it and assured us during the transition I would not be assessed late fees or report negatively to the creditors ( which I was ). Long story short my husband have just come out of a 4 year on off unemployment steak we asked Selene for a payment plan and submitted our paperwork. We made our XX/XX/XXXX and XX/XX/XXXX Payments but they are not reflecting as being paid so we look 4 months behind. They denied our request for a payment plan because they want to come into our house. Now when we modified with XXXX they did an outside inspection. We live in this house it 's an invasion of our privacy and they are n't applying our payments so they can kick us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sell XXXX over the XXXX. On XXXX instances in XXXX - XXXX various dates 2015. I received bofa account holder to my bofa account transfers which corresponded to XXXX transactions on XXXX where I sold XXXX in exchange for these money transfers. The offender was XXXX person XXXX XXXX XXXX. A total of {$2800.00} in total sales were reversed mid XXXX 2015 when XXXX XXXX XXXX claimed the transfers were unauthorized. I do have selfies identifying XXXX XXXX XXXX picture taken next to her passport. Bank of America put a hold on both my checking and savings account for {$800000.00} dollars each for a total of XXXX XXXX dollars. Even though I had enough funds in my account to handle the reversals.It 's as if they considered me a party to her fraud. They eventually closed my account they have not given me a way to respond. XXXX in the fraud department told me he would provide me with information regarding responding but never did. The balance over and above the reversed amount is still being held by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My husband passed XXXX years ago, I am waiting.g on XXXX.My son pays my bills, bank of America is trying to charge me late fees for XX/XX/XXXX and XX/XX/XXXX.My son 's gets paid on the XXXX and I pay the mortgage the very next day.They have been told about my situation, my son is doing the best he can to help me.He can not afford to pay these outrageous late fees.

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 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I applied for the card and was approved, however shortly after that my account was shut-down by the verification department and they requested I supply XXXX, copy of social security card, and state ID. I furnished those documents. The reps at the department re-opened my account however that was after the 90 days of account opening which I was not able to earn the XXXX bonus points offer. I meet the purchase requirements and I would the bank to steps in understanding the situation and correct this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 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: OR

Complaint narrative:
I have a student loan with Navient which took over XXXX XXXX. I have tried on many occasions to ask them to apply overage payments to the principal and they refuse saying they have to take it off of the next payment??? I do n't know if that is legal. If I pay the entire payment including what would go to interest, I thought I have the right to direct the surplus to paying off the principal. With XXXX XXXX we were able to check a button that said apply to next payment or apply to principal. I ca n't do that with Navient?? I have even written to them to apply it to the principal and that does n't work either. What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: LA

Complaint narrative:
I 've had to defer and place my loans in forebearance every since graduating and thanks to the interest rate, I may never pay it down. Im grateful for the loan but need help getting the balance down or possibly lowered interest rates. I was able to get an income based repayment but it expires this year and my cost is increasing monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My wife passed away on XX/XX/2017. Her sister XXXX Went to the clerk of court in XXXX, NC and got appointted as Power of Attorney over my wife when I XXXX was already Power of Attorney over my wife, XXXX. She set up a account at SECU on XXXX. in XXXX, NC in her and my wife 's name XXXX name. After my wife passed XXXX went to the bank and the bank allowed XXXX to close her account and withdraw all of the money in cash. Her Social Security check were being deposited in the account. The bank allowed her to withdraw the Social Security money in one envelope and the remaining money in another envelope. The Social Security money was kept by XXXX and the other amount was used to pay for XXXX cremation. 
I went to the bank the last part of XX/XX/XXXX and spoke to a bank officer about getting my account closed which only had {$25.00} in it. The refused because I am in bankruptcy and said that I had filed a loan on my bankruptcy. I proceeded to tell them about my wife passing on XX/XX/XXXX. I ask him why the bank closed XXXX account after she had passed away. He said that they were n't informed of her passing until the XX/XX/XXXX. He said that if they had of known of her passing on XX/XX/XXXX they would not have allowed XXXX to get the funds. The Power of Attorney XX/XX/XXXX had Was no longer good after the second XXXX passed, therefore she had no right to the money and now she refuses to return the social security funds to me even after being notified to do so 4 different times since then. The social security office said that I could keep the funds since it was paid before XXXX passed. XXXX has also ben reporting to my wife 's credit card company 's the XXXX has passed which I, XXXX was doing. The bank, SECU has made no effort to retrieve the money they gave XXXX of close the checking account that has my name on it and has only a {$25.00} savings in it. I feel that MrsXXXX obtained the funds from the bank under fraudulent conditions and the bank, SECU assisted with this also. I ask for copy of the paper that XXXX signed while in XXXX in XXXX, NC while she was not mentally competent or physically to sign any papers without assistance from a outside assistance. She was paralyzed from the neck down and could not write.

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 2016-04-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
These alleged accounts opened without consent.

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 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have my loans through Navient. I checked with federal student loans and the reported interest rate was 5.9 % and I checked Navient and they are reporting my interest to be 8 % to 9 %. I feel like they are misreporting my loan amount and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: CA

Complaint narrative:
I filed for Bankruptcy Chapter XXXX in XXXX XXXX. My Bankruptcy was discharged XXXX XXXX. All my creditors stop taking my payments. Bank of America was the only bankthat continued to take payments out of my checking account. In XXXX XXXX Bank of America started a new loan without consulting me. I made numerous attempts to ntact BA to stop them from taking payments and I was not successful. When I went into the banks I was informed that they could not help me and they provided me with the number to the Bankruptcy Department. Again, I had no success to getting through to them. Finally, in approximately, XXXX XXXX I successfully got through to Bank of America and I asked them why they were taking money while I was in Bankruptcy and why they restarted my loan with out my authorization. Bank of America provided no explanation, yet, they sent me a refund cashier check for {$6500.00}. They never reimbursed me interest for time they took my money, yet, they added {$2000.00} in interest to my home loan. I asked if I could do a settlement regarding the balance and I was told they stopped offering settlements. I asked since they made a mistake and taking money during the time that I could have received a settlement if they would retro back and they said no. They took away access to my account away from me on the internet and when I try to make payments at the branch, I am told they could n't take the payment. The only way to make a payment is by calling the Bankruptcy Dept yet, it 's hard to get through to the Bankruptcy Department. I Bank of America continues to calculate interest on the account, yet, they make it a challenge to make a payment. I can see my home loan when I sign in to Bank of America 's website, yet, my access to pay has been taken away.

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please see attached for description of problem that has been ongoing since XXXX XXXX. Wrong legal description on current loan through Bank of America holding up a new loan. Having tried countless times, phone calls, faxes, etc. to get the documentation resolved for a final loan to be obtained for XXXX of our other homeowners loan, we were met with so much conflict, employee lack of knowledge, brushed off, as well as several times being told to patiently wait until XXXX XXXX to allow the problem to be resolved. In XXXX when we again called we were told the problem was resolve in XXXX, at which point we applied for the loan again, only to be told it was NOT corrected. and again later ... with a final person saying we have to make the corrections on our end. In saying this we have had our loan application expire each time due to Bank of America. I am attaching all documentation. I hope we can get this resolved as it has caused so much work on our end, along with our banking institution, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, who has been patient in working with us should be commended, not to mention the title company. We have never dealt with a company like Bank of America that gives so much run around and lack of assistance. I hope you can help us. 

Thank you, 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 2017-01-25 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: PA

Complaint narrative:
I started attending the XXXX of XXXX in XX/XX/XXXX. I was recruited from XXXX by the school over the phone which is located in XXXX. I received very little information on my loans after starting and was only told to sign on the dotted lines. I was told they had high job placement and that the market for XXXX in XXXX was great. Loan terms were never fully explained when I started and almost all of my financial assistance was in the form of multiple loans. The XXXX 's programs was {$38000.00}. I finished with an XXXX and was somehow {$45000.00} in loan debt. I have all the original loan estimates from XXXX that show figures closer to the {$25000.00} range and can not figure out how my loan balances got so high when the total cost of the program should have been much, much lower. I graduated in XX/XX/XXXX and they still have not sent my paper diploma nor will they return my calls. ( I do n't even have my diploma from them after graduating! ) They did very little to help me find a job and when I took up a job in retail just to make ends meet they marked me complete for finding a job and stopped assisting. XXXX serviced my loans at first and whenever I would call to report financial hardship I was advised to defer my loans. I was not told my loans would continue to accrue interest. I still have multiple pamphlets on deferment/forbearance options from XXXX and XXXX as these were the only options explained to me. XXXX eventually consolidated my loans so I could not see the individual loans I had taken out and then sold those loans to Navient who has also kept them in deferment/forbearance. I ca n't get any assistance figuring out why my loans are so high, why XXXX seems to have over charged me, or why my interest rates are so high. I inquired about loan plans and they sent me information on plans that resulted in me paying more interest than my loans. My loan balance is currently {$69000.00} and under any of the XXXX plans they offered I would end up repaying at minimum {$130000.00} ( with some of them going up to {$150000.00}!!! ) That 's almost ( or more than in some cases ) double my loan amount! I ca n't get answers on what happened during my prior consolidations, why my loan balance is so high, or why I 'm only being sent information on loan plans that result in me paying double the amount of my loans. There have been suites against XXXX and its parent company XXXX for defrauding students into attending in order to take advantage of federal assistance - I feel that I was a part of those numbers. There were suites against XXXX for pushing students into deferment options without explaining terms - I was a part of that. There are now suites open against Navient for the same thing. It has been frustrating and financially draining to be pushed around from company to company with no understanding of my loans and no one to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a XXXX of Massachusetts over XXXX years I have massive mandatory deductions TAKEN OUT OF MY CHEC., i have been having trouble in achieving a fair and equitable modification NOR GETTING BANK OF AMERICA TO UNDERSTAND THIS.People have saved their homes over lesser circumstances .I am a one wage earner family. Modification modelswork off peoples gross pay, But in my case I have a huge disparity between my net pay and my gross.Also as soon as I got paperwork in I was denied and received their letter dated XXXX/XXXX/2015 on XXXX!! XXXXwhich gave me no time to appeal .this is weong and bank of America is getting away with it, i asked XXXX XXXX to intervene which knew my situation well for it was purported in writing.they state dthey would intervene, to my knowledge thay did not.also XXXX XXXX at bank of America promised due diligence, I believe not done.i am not about to lose my home over a few dollars.please assist

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, XXXX XXXX, XXXX, one day after the auction of the unsecured debt ninety months past due related to the XXXX Deed of Trust which Bank of America has represented to me no principal balance exists, I have had to deal with a man driving a blue XXXX XXXX claiming his client bought my property and home. After he tried to open my front door without knocking, I told him to leave as he is trespassing and not to come back. I also informed him his client may have bought a debt, but he did not buy this property as this property was not used as collateral to secure the debt once incurred under the terms of the XXXX Deed of Trust and to contact Bank of America to get the details related to the XXXX Deed of Trust, California Homeowners Bills of Rights, Fair Debt Collection Practices Act, and Adverse Possession. 
Additionally, Bank of America has committed multiple acts of fraud related to this account, including dual tracking. But for dual tracking, I would not be subjected to the unwanted traffic upon my property and disruption of my quality of life. It is because of dual tracking, the recording of the Notice of Default, subsequent Notice of Trustee Sale and the Trusstee 's auction, I can get no rest nor peace, night or day. 
All previously mentioned resolutions are desired and required, including a brand new home built on the subject property complete with landscaping as it is no longer a place of peace, security, and tranquility.

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 2016-12-02 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: CA

Complaint narrative:
I accidentally made an online transfer in the amount of {$500.00} via Bank of America online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called BOA right away. But BOA claims they were unsuccessful at contacting the recipient and refused to take further action. 

My wife and I have a joint account with BOA, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to BOA several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.

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 2015-11-06 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: CA

Complaint narrative:
Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me.

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