vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America has been illegally disposing of my hard earned money after over 40 years of my trusting them with my assets. it. I do not know how long this has been going on. 
In regards to this matter, I filed a case against Bank of America on XX/XX/XXXX. XXXX # is:XXXX. 
I am writing to you again to provide you with additional evidence. Not only Bank of America has failed to make scheduled payments on time and in the amounts I had planned to pay creditors ; they have also pretended to make payments to my XXXX XXXX account but my creditor denies receiving any such payment.- When contacting customer service at XXXX XXXX card ( account number : XXXX ) they have acknowledged receiving payment for {$45.00} but denied receiving {$100.00} The {$45.00} payment occurred only because I personally went to the XXXX XXXX store located in XXXX, MA. I gave them the cash money I had with me, {$45.00}. I had to pay cash because when using my Bank of America debit card, payment to the XXXX XXXX was declined. My Bank of America account had funds to pay {$120.00}. 

As you can see in the enclosed pictures, Bank of America has been damaging my credit worthiness and stealing my money from my Bank of America account. These pictures show the illicit behavior in the following ways : -Deduction of {$100.00} but never paid XXXX XXXX. 
-Letter of complaint by XXXX in regards to only receiving {$45.00} while Bank of America kept {$100.00} kept in their pocket on XX/XX/XXXX. 
-Another issue is their scheduling a payment for {$120.00} payment to XXXX XXXX without my knowledge or consent to be paid on XX/XX/XXXX. 
I will be permanently closing my Bank of America account but it will take months before I can accomplish this goal because of the very cumbersome process of reporting any account changes to multiple health insurance companies, EAPs Programs, etc. 
So far, I have been spending numerous hours on the phone calling creditors but I am the one who is not being believed, PLEASE protect me and the public from Bank of America I do want this complaint to be published but my account numbers and name must be deleted as bringing public attention to my personal matters is not appropiate in my profession.

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 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage.

Company response to consumer: Closed
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had my home mortgage with Bank of AmericaI went thru hell for over a year to get a loan modificationSo I would n't be foreclosed XXXX finally got approved to get my payments downFrom about XXXX. Mo to XXXX. A monthA couple months later they sold my mortgage to countrywideWho was then taken over XXXX sent me my mortgage bill and it was back upXXXX XXXX. XXXXI am a widowed XXXX yr old woman who doesn'tKnow where to turnEach bank says it 's the others problemI 'm afraid of foreclosure because that one paymentEats all my social securityI just had a bout with XXXX and have medical issuesAnd bills and need direction can someone pleaseGuide me or help me get myPayments affordableAll my utilities are XXXX months lateThe house is falling apartThe roof leaks basement floods windows andDoors stuffed with plastic bags to keep weatherOut furnace air and sump pump are oldAnd in bad conditionI really really need help getting these paymentsBack to XXXX or XXXX a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
A random {$290.00} disappeared from my bank account without my knowing on XX/XX/XXXX. This happened without my authorization or anticipation. I did not notice until looking up my account balance before heading out of town for holiday break. After calling Simple to inquire about this random charge and have my funds put back into my account, instead they locked up my account for now over XXXX weeks. Simple has provided zero assistance and no resolution in my matter. In fact, their customer service has flat out just gotten horrible over the last few weeks in comparison to what they used to be. I 've been a customer of Simple 's for years, since the very beginning of their inception as a company. This is the first time I 've felt completely let down and almost misled. Each and every phone agent, XXXX, dispute XXXX and email support agent gives me the same excuse of " we are sorry but have no information we will be in touch when we have something. '' This does n't fly with me. Had this been an account with ANY OTHER bank, I 'd have answers. What happened to this {$290.00}? Where did it go? Temporary credit so I can continue on about my life for the holidays? No. I 've spoken with so many agents at this point, we 've taken steps backwards and have accomplished nothing ... zilch. Judging from the dozens and dozens of similar comments over the recent weeks from other customers on Simple 's social networks - this is NOT an uncommon problem. Many other customers are reporting missing funds and Simple having no answers or resolution. Seems to be happening here right around the time of their switch to another bank or something of that nature. In any case ... something is amiss and I do n't feel Simple is handling business appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: HI

Complaint narrative:
I have XXXX high interest, private student loans with Navent that have been in default for years due to my inability to repay back the loans. I was a student at XXXX XXXX XXXX from XXXX XXXX and graduated with a XXXX in XXXX XXXX. After graduation, I found it very hard to find a job in the field of study. No agency I have applied to accepted my degree from XXXX because XXXX education did not meet the educational requirements to obtain a job in the XXXX XXXX XXXX. I have notified Navent numerous of times and I even attempted to try and repay for 3 or 4 months in XXXX but it was too much of a hardship for me so I had to stop. I explained that I could n't continue and they kept harassing me at work, at home, etc demanding repayment. I have asked them repeatedly, how am I supposed to pay for a degree which is basically a 'blank piece of paper ', in my field, when I can not even obtain a job in that field? I felt that XXXX should repay back the loan. 

XXXX is filing bankruptcy and it was announced yesterday that, you, CFPB is suing Navent for illegal practices made it harder and more costly for some borrowers to repay their student loans. And now today, Navent ( their collection company ) decides to call me again, today demanding I repay the private student loans in full. Loans that totaled approximately {$12000.00} when I graduated in XXXX and is now at approximately {$25000.00}. I am currently on the income-based repayment plan for my federal loans that is at $ XXXX monthly payment because I can not afford to repay and yet knowing full well I ca n't repay, they are demanding I pay in full the Private loans? Why? Because CFPB is suing? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX I applied for a HELOC in the amount of {$80000.00} and was approved. In XXXX I requested an increase to {$180000.00} and was again approved based upon an appraised value of {$500000.00} on my home. Instead of increasing the LOC, they created a new LOC as requested, they created a separate LOC in a XXXX subordinate position, so I now had XXXX HELOCs. There was already a 1st mortgage in place of {$300000.00} with another bank. When the recession hit in XXXX, my home dropped in value to {$320000.00} and has not fully recovered. In the past 4 years I have tried to get a modification on XXXX Lines, went through intensive documentation requirements and was turned down without recourse each time, most recently this summer. Even my " Customer Relationship Manager '', XXXX XXXX, said I should be able to get this modification because " these types of loans are terrible. No one can afford to pay them down when they increase your payments by 3Xs. '' I am currently making about 25 % more income than I did when I was granted the loan, but the original loans were not based upon my ability to pay both principal AND interest, only interest. The first LOC went to term last year and the payments increased from $ XXXX/month to $ XXXX/month. Two months ago, the 2nd LOC went to term and the payments increase from $ XXXX/month to $ XXXX/month. The bank has not worked in good faith to try and remedy this situation which has developed on a loan that should not have been granted in the first place. I can not refinance due to the lack of equity. I owe slightly more than the value of the house. Selling presents a similar problem. From their website, they claim, " The goal of a home equity loan modification is to help you with a financial hardship. Depending on your current financial situation, you may qualify for a modification of your term, interest rate or monthly payments, or a combination of XXXX or more of these loan provisions. You may be eligible for Bank of America Home Equity Assistance if : Your home equity account has been open for at least XXXX months You have n't received home equity assistance once in the past 12 months, or twice in the past five years You 're experiencing a financial hardship, such as reduced income or divorce If you 're not eligible, you may still have options. You may qualify for other forms of home equity assistance, including : Repayment plans of up to 12 months to help you catch up on past due payments Payment extensions of XXXX to three months '' None of this has proven to be true. Please help. 



You 're able to repay the loan

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: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This issue occurred toward the end of my HARP loan process on XXXX XXXX, 2016. I got a call from the loan officer saying the underwriter noticed a lien on my existing mortgage. I had no idea what they were talking about. I was told to contact bank of America for details. I walked into the bank and no one was able to assist me. I came back another day and someone submitted an elevated request on my behalf regarding this mystery lien. A few days later I got a call from a BOA representative and she told me that I need to get a title search done. After I got that done I called back and was re-routed to someone else who stated that the account was from another company that went out of business, the account was closed and BOA bought all the accounts. I was told the previous company was supposed to release the lien but did not do it. I was told that the lien release will be faxed to my underwriter early morning the following week. When the week went by, I called back but was once again re-routed to another person. This went on for weeks at a time. I was given reference numbers each time but these numbers could not be traced back with history of my previous calls. Finally, in XXXX, after being referred several more times I called demanded to speak to a manager and was given the number to a high level manager named XXXX XXXX. He seemed surprised that I was able to get through to speak to him as he stated that calls are usually handled through the call center. I explained that I was promised a lien release but it did not come. XXXX XXXX promised he would get that lien release to me but it would take another 30 days. I got nothing. I tried to call XXXX XXXX again but he would not return my calls. I decided to contact the XXXX. BOA had a representative ( XXXX XXXX ) contact me saying he was working on a resolution. I gave him contact phone numbers of the people who promised to release the lien. He told me it would take 15 days and he would contact me at that time. 15 days later I get a call from XXXX XXXX saying he needed another 15 days. I asked him if he contacted the people that promised me the lien release but he said he wanted to do his own research. At the end of that 15 days I get a letter in the mail from XXXX XXXX that I own BOA {$51000.00}. They never intended to help me but only help themselves. How could no one contact me for all these years ( at least 8 years ) or that this lien was not on my credit report? I need my refinance to be completed. How could BOA lie to me about releasing this lien? Is that the way they do business?

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 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.

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 2016-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We applied for a loan modification XX/XX/XXXX. It was approved XX/XX/XXXX. Since since then we have made all of our payments on time. It has been just short of XXXX years and Bank of America has not been reporting to the credit bureau. The house value is such that we would be able to market the home and downsize. We would hope to purchase again. 
Because BAC has not been reporting they have negatively impacted our score. When contacted they sent a computer print out of our payment record. That is not good enough!

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 2016-01-29 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:
Bank of America claims departments to request charge backs or disputes or frauds it 's such a hassle, then they say they are gon na do one thing and do n't or do the complete opposite.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This concerns Bank of America and my active mortgage there. I have had trouble paying over the past several years. Due to the bankruptcy I filed in 2009, they are not able to give me pertinent information about my loan unless I specifically define what I am asking. In addition, every time I speak to a CSR, I am given the run-around - from additional numbers, to spouting rules that they can not provide a copy of. This has happened numerous times over the last several years, and more recently in the last 6 weeks. My loan is currently in foreclosure, with {$2200.00} dollars in attorney fees ( when the attorneys have only sent me a letter, and filed for a title search ( which is not even necessary in the state of GA ). When I question the fees, I am told I must pay them to reinstate the loan. Since I can not afford to lose my home, I am between a rock and a hard place. 
When I ask who I need to speak with about the fees, I am referred to a supervisor and no one above that supervisor. When I complain, I get a phone call back from the complaint department which turns out to be a " I hear you, and I am sorry '' conversation. 
Different CSRs have given conflicting information, and yet, whomever I am talking to at the moment can only reiterate what is in front of them - which does n't help at all. Bank of America has been a thorn in my side since they purchased this loan from Countrywide. I have had payments returned. I have had payments accepted over the phone for a later date, then the payment not processed, because the loan went into foreclosure before the payment date. I have never seen a banking system more designed for the consumer to fail in my life. The level of customer service is deplorable at best.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUIDANCE RESIDENTIAL, LLC
State: GA

Complaint narrative:
I reviewed and signed a final finance approval document on XXXX/XXXX/16. This is for a 30 year home loan with a 15 % down payment. The document includes the interest rate ( 4.625 % ) and points charge ( {$110.00} ). 
I was contacted by phone after they received the signed document and told that the points charge would be over {$2500.00}. I disputed this and was told that they 'd look into it. The next day I was told that the points charge I signed off on was incorrect. I was given an option to pay over {$1600.00} for points if I want to put 15 % down. My other option is to put down 20 % and pay {$590.00} as a points charge. They are willing to deduct {$590.00} if I choose either option. 
I was given an incorrect estimate from the beginning. These numbers are mainly what I used to decide to move forward with the deal. 
I understand that some closing costs can change before signing off, but I already signed a final approval document. I feel that I should pay based on the signed documentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Was told I could not apply to have loans refinanced. Also told my only option for reduced payment was to make payments on interest only for a certain period of time, after which I 'd make larger payments which would have been larger than the initial payment. I was never informed of the income-based payment option.

Company response to consumer: Closed with explanation