vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I stopped making payments over 7 years ago to this loan and the bank never foreclosed on the property. They file foreclosure papers in XXXX XXXX, then voluntarily dismissed the case in XXXX XXXX. Case number XXXX is on XXXX XXXX XXXX XXXXXXXX XXXX & XXXX & XXXX XXXX I have not made any payments since XXXX XXXX. This mortgage tradeline fell off of my credit for a brief period last month and then was added back in due to some escrow reversal payments that Bank of America performed and are incorrectly stating that I have made payments. I believe this was done in order to reactive the delinquency period and I do n't believe this is legal. 

Attached are a copy of my XXXX and XXXX XXXX bank statements. 
The XXXX statement shows the bank made Escrow Payment reversals on my behalf in order to reactive the late payment status. The total amount was {$24000.00} I believe they did this knowing that the 7 years of late payments were going allow the tradeline to fall off my credit which it did for a few days. 

Along with that I will now most likely receive a IRS XXXX form for Interest I did not pay. 
XXXX statement : Principal Balance - {$160000.00} Contractual remaining term - 26 years 8 months Total Amount Due - {$73000.00} Days Delinquent - 2512 days ( PDF page XXXX, Delinquency notice ) XXXX statement Principal Balance - {$150000.00} Contractual remaining term - 24 years 2 months Total Amount Due - {$49000.00} Days Delinquent - 1628 days ( PDF page XXXX, Delinquency notice )

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 2016-08-20 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: MT

Complaint narrative:
For more than the fourth time in two years Navient has miss allocated funds sent to them, I have done everything they have asked, ( separate checks for private and federal loans, different envelopes and billing addresses for the XXXX, letter with payment on how funds should be allocated, nothing works. Basiclly submitting this as a lasts resort to a lawsuit. 
This is a yearly complaint, i am at my whits end, why pay on time if there just going to mess it up?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I purchased a service contract through XXXX XXXX for technical support on my computer for 3years for {$390.00} On XXXX XXXX XXXX, they contacted me by phone to inform me that they 're going out of business and they would like to refund my originally purchased price. The individual that i was talking to, informed me that they are unable to complete the wired transfer and asked me for my personal banking information so he could complete the wire transfer and assured me that it was completely safe. After that wired transfer was supposedly complete, they asked me to verify the amount of the transfer, the amount was {$2400.00}. 
They informed me that the transfer was an error and they sent me {$2000.00} too much. The person that i talked to claimed that if i dont returned me the {$2000.00}, his job will be in jeopardy and asked me to return it via XXXX through XXXX. Feeling sorry for this individual, i did as they asked. 
The next day, i discovered that they were able to transfer {$1900.00} from my credit card through my savings account to make it looked like that it was a wired transfer from them with the excessed amount. I immediately went to Bank of America to file a complaint, they informed me by letter that it was my error that caused this problem and they were not liable. I asked them for reconsideration and again i received a letter stating that i benefitted from this transaction and they feel like they 're not liable. At no time did i authorized XXXX XXXX to transfer funds from my credit card to my checkings, they were able to do this on their own to make it look like it was a wired transfer from them. 

Anything you can do for me for this matter will be greatly appreciated. Clearly was online banking fraud. 

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 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My wife and I filed a chapter XXXX bankruptcy in XX/XX/XXXX and surrendered our home to Countrywide. We turned the keys over to the bankruptcy attorney moved to XXXX. We managed our credit and managing our debt for the last seven years and now want to buy a home. We found one and got qualified for a new mortgage but then were denied because the old home included in the bankruptcy in XX/XX/XXXX was still in our names. it has never been sold, or foreclosed upon and apparently just sits there. After a lot of digging and phone calls Bank of America inherited it from Countrywide. It was to be foreclosed on in XX/XX/XXXX. Bank of America took possession of the property in XX/XX/XXXX. The foreclosure never happened, in XX/XX/XXXX the state of XXXX dropped the foreclosure proceedings due to a lack of paper work being filed. The loan was sold to XXXX XXXX and then to XXXX who has it now. It is in a file at an attorneys by the name of XXXX XXXX XXXX. from XXXX They are the loss mitigation for XXXX and no help what so ever. I called and asked how to remove my name from the deed, but they do not care. The house was discharged in the bankruptcy in XX/XX/XXXX and the bank refuses to take ownership of the property so what am I to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Afternoon CFPB- REQUEST TO LOCATE MY INVESTOR Case # XXXX I spoke with XXXX XXXX XXXX XXXX. The above case number is related but is not why I am reaching out today. 
I have been attempting to locate my investor for 2 years. My servicer BofA had repeatedly stated that they have no access to that information. With the new ruling we as homeowners have the right to know who owns our homes. Subsequent to this ruling the BofA sent me a letter stating the investor is Bank XXXX. 

I contacted XXXX and received their response that they are not the investor and do not physically own the loan or my property. The letter goes on to say BofA is the direct and only contact in regards to my request. 

So a dead end. I spoke with my contact person in the advocacy department BofA today, her records show XXXX as the investor, and she expressed an opinion that when banks absorb other banks accessing information gets buried and it may be the case that BofA may be both the servicer and the investor. 

This seems deliberate and calculated to continue to not have access to who owns my loan. I have a business plan that I have prepared to demonstrate viability in paying my monthly mortgage obligation. I sent his proposal to BYN by registered mail, signature required. here was no return of my business plan or the signature card, only the response email stating they are not the investor. 

MY SALE DATE IS XXXX XXXX, XXXX. I will send via fax the documentation I have referenced. 

I am glad I can bring this to your attention, and am asking that you can look into this matter. I have very little time remaining, and am hoping this sale date will be removed as CFPB reviews my documents.

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 2016-05-20 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: VA

Complaint narrative:
This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX, the currently assigned CRM/SPOC was the CRM/SPOC assigned to this home loan mortgage account XX/XX/XXXX through XX/XX/XXXX and she has demonstraited her lack of knowledge of all applicable laws, regulations and guidelines governing Bank of America and their representatives and agents during and throughout the modification and loss mitigation process. Please remove this latest assigned - and re-assigned -CRM immediately and upon receipt of this request to do so. 
It should be noted I have been I unable to speak directly with this SPOC during her first assignment as SPOC and have been only able to leave voicemail messages as directed contact had been unsuccessful and impossible at a time when direct contact is most essential during the modification and loss mitigation processes. I have also been unable to make contact with anyone in the SPOC 's unit or this SPOC/CRM supervisor even though I have requested exactly this. I have made a previous request that she be removed as the CRM/SPOC and the newly assigned CRM/SPOC conduct a full and complete review and case escalation into my concerns about the invalid and defective recorded Notice of Default ( NOD ) of XX/XX/XXXX which, as of this writing, I have not received a XXXX XXXX County Recorders Office certified recorded copy. I have also requested the XX/XX/XXXX Notice of Default be withdrawn since it is recorded and attached to the XX/XX/XXXX Trust Deed and not the XX/XX/XXXX Modified Trust Deed and therefore invalid and this home loan mortgage account can not be deemed as defaulted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 've been getting debt collection phone calls for a person named " XXXX XXXX '' for at least 6 months now. That is not me and I have no debt/credit issues. They keep changing their number and I keep blocking them. Today they gave me some info. They said they are from " Pioneer XXXX Recovery '' and their number is XXXX. They said to use the " Reference ID # 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 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: VA

Complaint narrative:
Bank of America is tracking my account information and/or expenses and " packaging '' it as financial planning tool. In reality, the firm is using the information as a UNDERWRITING tool and essentially scoring clients without the their expressed permission or without an application for credit. 
Data that includes information regarding of how and where clients spend their money should not be used unless clients are applying for credit and on a case by case basis. Additionally, how can clients be sure that this information is not being sold?! 
When I signed up for BOA Billpayer and to open an account, I never intended for my account information to be used to invade my privacy. I would like for each of my accounts to be viewed in silo going forward.

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 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am requesting Bank of America to review the decision on closing the account. I still have credit card with Bank of America and asking to allow me to have checking account. Previous checking account was closed on risk matter. 
I am having troubles with paying my bills with credit card from another account. Last time I entered incorrect account number and I thought that I paid the bill, but transaction did not go through. Bill due date passed and this resulted with credit score went down. 
I do want to keep Bank of America credit card. I am asking Bank of America to allow me to open new checking account. This would relieve all troubles I am facing with paying bills for credit card. 
Credit card : 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 2016-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
They do not offer any help on changing the repayment options. I am struggling to make a payment and they are not willing to help. Very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Last year I had tried to sign back up for school, my deferment when I made it was for a year when I called I was told I was in default and it was only put into their system for 3 months and to get it out I had to pay {$600.00} that day to start any payment arrangements. I never got a phone call or letter in the mail explaining my deferment was up or anything about payment options. When I asked if I could make any type of payment arrangements I was told no. So after I hung up I never got another phone call until 2 months ago I got a letter stating I owed {$12000.00} and it was due 2 weeks after receiving it in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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:
A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX/XXXX/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My complaint is the same as a previous complaint # XXXX. Bank of America indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I have previously submitted a complaint against CBE Group XX/XX/XXXX for contacting me after a cease and desist was requested. Please see [ Case number : XXXX ]. 
On XXXX XXXX XXXX at XXXX I received a call from CBE Group ( XXXX ) then again on XXXX XXXX XXXX at XXXX Mountain Standard Time. This is harassment and the company previously assured me I would not get any more calls. They are in violation of my rights as a consumer. Each violation carries a {$1000.00} fine plus damages. I have my phone records for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 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: CA

Complaint narrative:
XXXX/ Navient are liars and thieves, as I was working for the XXXX, I could not promote due to a economic crises/ a freeze in Hiring, they Violated my rights as to tell me about the income based repayment system or did n't want to help me in any way. They forced me into default due to the rise of the economy and said I HAVE TO PAY XXXX dollars a month no matter what!. When I spoke to a lawyer the said I was " by law pay XXXX dollars a month ''. They all ways called my phone, contact me at working hours, and violated my rights and lied to me. Every time I called them the message said the did n't want to speak to me and sent me somewhere else ... I 've been very much fed up with them and I was treated like an animal..I have reported them to the XXXX..and would like action taking against these people, as a government back business I thought I 'd be in good hands, I was wrong. I Have payed off my Federal loans and they even screwed up on that ... possible even pocking the money ... I should n't have gone through all of this for a college degree. They forced me in default to get a lot more money out of me, which is wrong and I got XXXX over. I 've been looking at other complaints and almost all of them are the same as mine. Please help me here Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: WA

Complaint narrative:
I attended XXXX XXXX ( a for profit school ) XX/XX/XXXX-XX/XX/XXXX and received a certificate upon completion with no job placement assistance ( as they promised as part of their marketing tactics ) and immediately after completion, the school closed. I did not benefit from the school in any way including finding employment or assistance with any other issue. I also enrolled in the XXXX University online degree program in hopes of getting somewhere more beneficial and later found that credits were not transferable, so I withdrew immediately to attended a credible state university and the school received student loans with no return to lender or refunds. I am asking for relief from these loans as the XXXX College ( AKA XXXX XXXX ), is under investigations for the same fraudulent practices to recruit students, stealing information, harassment and other financial problems and not getting anywhere with this costly nightmare.

Company response to consumer: Closed with explanation