vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
We had a mortgage with Bank of America when my husband lost his job. He was unemployed for 2 years so we filed a forbearance on the mortgage. We sold the house to satisfy the loan and closed on the last day of the 30 day grace period BOA offered us ( XX/XX/XXXX ) and satisfied the loan in full. We were NEVER even 1 day late on a mortgage payment for this loan. Our credit reports have been showing the mortgage on the home as being delinquent for more than 120 days since XX/XX/XXXX even though it was paid in full within the allotted time frame. 
I corresponded with Bank of America and have XXXX letters from BOA showing the loan should not have been marked as delinquent and the letters note BOA submitted corrections to the credit agencies. I have written and telephoned all XXXX credit agencies and the loan is still showing delinquent, even 14 months after selling the home and having BOA send the correction letters. 
On XX/XX/XXXX XXXX XXXX at Bank of America called and she told me BOA contacted all credit agencies and corrected the discrepancy. She believed the discrepancy would be gone after XX/XX/XXXX but it is still showing on my credit report as of XX/XX/XXXX. 
I do n't know what else to do - I have worked with BOA and they said they have done all they can do. I have worked with all XXXX credit agencies and they say the negative data they are getting is from BOA so they ca n't make the change. I have attached supporting documentation including the XXXX letters from BOA and the XXXX page from today showing the loan is marked as a 'negative ' account and delinquent ( but closed ). 
Please help me resolve this problem. I am hoping to purchase a home this fall and can not have this discrepancy in my credit file as it is bringing down my credit score. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
CBE GROUP account number XXXX is reporting on my credit file this account was a XXXX balance when they reported. I paid the original creditor. I am asking that CBE provides me with the contract I have with them that allows the to again access to my credit report or the letter of assignment from the original creditor or where my account was bought by them. 
2. I want a complete payment history. 
3. and a copy of the notice that this account was in collections and where it was sent and what date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I checked my credit score and there was a debt listed that I owe Bank of America over {$3000.00}. I sent a debt validation letter requesting proof that I owe this unsecured debt. They failed to respond in the allotted time so I would like this debt removed from my account and from the major credit bureaus ( XXXX, XXXX, XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Bank of America reads them that has a Brain. I received conflicting comments from several customer Care agents in The Bank of America Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I applied for a loan through Bank of America on XXXX 2014. Prior to that we got a pre-qualification letter signed. They denied the loan after an extension was made after a signed 30 day escrow due to a Fidelity Bond issue. They collected upfront a {$470.00} appraisal fee, {$75.00} Bank of America 's own Homeowner 's Association Certificate, {$50.00} XXXX XXXX XXXX doc 's. The condo appraised for more than the asking price, our debt to income ratio was good, we had an excellent FICO Score of XXXX XXXX 20 % - 25 % down. We signed a XXXX escrow with the buyer, which the owner extended for Bank of America due THEIR to the Fidelity Bond issue. Bank of America wanted the owner 's ( XXXX owner 's in total ) of the condo to have a Fidelity Bond ( NOTE : NO OWNER handles the money, it is done by a professional company, The XXXX XXXX ). The XXXX XXXX handles repairs, maintenance, collecting HOA dues, etc. Bank of America decline this loan for the sole reason of this Fidelity Bond issue. This left us all hanging including the owner and realtor for an extended time XXXX XXXX, 2014. Bank of America would not refund {$600.00} total from all the fees we paid upfront even when this was solely their call and not within the XXXX Guidelines.

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 2017-01-20 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: CO

Complaint narrative:
I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: MD

Complaint narrative:
Bank of America made changes to its processes that affected accounts where new cards were issued. After more than two months of following up with the bank regarding my credit card, my account has still not been credited reward points. More egregiously, my account has been charged a debit that is erroneous. The " charge '' is because the account shows XXXX credits where there should have been XXXX. The problem is the XXXX credit is on the old card that I did not receive benefit from. Bank representatives acknowledge this error and just keep telling me that the system will fix itself and that they are working on it. However, this has gone on too long and believe that something should be done. The reward points is XXXX thing but the extra charge that has been on my account for almost three weeks is another.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America provided checks with my Equity Line of Credit. The XXXX check ( # XXXX ) was deposited into the payee 's Bank of America account. The XXXX check ( # XXXX ), made out to the same payee, was rejected by a branch of Bank of America ; the reason, " REASON-S ''. My primary concern was to have my rejected check ( # XXXX ) stopped permanently since the payee refused to return it to me, but according to a number of representatives with whom I spoke, the " stop '' can only be executed for 6 months at a time and then must be renewed. Since my Line of Credit expires in 2019, I will have to reinstitute the " stop '' XXXX more time during the life of my loan. As you will see in the attached letter to an executive officer of Bank of America, the details are quite clearly stated, but this executive elected to pass it on to someone who never read all my documents and was attempting to simply get me out of the way. I 'm sure the bank has it in their power to clear up this problem, especially since it was their organization that submitted to me checks to use, without restrictions. If additional documentation is required, I will be happy to submit all that I have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited a check for {$19000.00} inside a BOA branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a " return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Bank of America. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to BOA 's policies. I would have gladly authorized the check if I knew that it needed to be authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 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:
my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a new complaint. In the after math of successfully completing a mortgage modification from bank of america stemming from the XXXX 2014 settlement with the Department of Justice, boa voluntarily withdrew the suit filed against me. 
My mortgage statements show or state that I owe a total of {$370.00} in litigation and or litigation management fees. I sent my attorney the mortgage statements that showed this information. My attorney has contacted the law firm, listed on the former suit, a few times asking for proof that these fees can be charged to me and as of this writing no response has been given. 
All the information in the transaction activity of my mortgage statement is concerning to me. I see and understand the transactions concerning the modification but I do n't understand the following fees even though they show that they are paid ( I 'm guessing from the modification terms ) - they are : unapplied funds reversal XXXX ( which I assume went to pay for these successive itemized charges ) Attorney/Trustee fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX separate entries for property inspections at {$15.00} each = XXXXTitle Fee XXXX '' '' XXXXCourt Filing Fee XXXXMailing Fee XXXXRecording Fee XXXXLitigation Management Fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX '' '' XXXXProcess Server XXXXWaive/Adj LateChg XXXX '' '' XXXXUnapplied Funds Posted XXXXUnapplied Funds Reversal -XXXXPayment Posted XXXXI don '' t understand how my account can be charged for any monies/charges stemming from the suit boa filed. boa voluntarily withdrew the suit therefore the court did not state which party was liable for legal fees and for which fees or the total amount the party would be responsible for paying. My attorney and I can not find any wording in the modification that states these fees can be charged and or acceptable fees I have to pay. 
If the XXXX unapplied funds reversal went to pay for above stated paid fees from monies forgiven in the modification then I believe that money should either go toward the mortgage principle amount or returned to the settlement pool from which it came from. 
bank of america 's legal fees should not be paid by me or the mortgage modification forgiveness monies. If they believe they should be reimbursed for any legal fees they should have not withdrawn their suit or file a suit to decide who is responsible for those fees. 
This last bit is more for preemptive measures versus an additional complaint. I am reading many complaints from successful mortgage modification homeowners that two to six months into the permanent mort. mod that boa is claiming missing documents from these homeowners and voiding the mot. mods. I feel this is very worthy of applicable agencies investigation ( s ). I will certainly file various complaints if this does occur with my permanent modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16 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: AZ

Complaint narrative:
I will be XXXX by XX/XX/XXXX. What option if there is XXXX for cancellation or forgiveness I am struggling making payments of {$150.00} an {$50.00} in other ( XXXX loans ) total more than {$200.00} with a {$28000.00} salary, my wife does not work, I been paying since 2003 getting worse because I am diabetic and wife have health issues too. 
I do have another loan with wells fargo for {$380.00} and {$180.00} home assoc magmt payments please advise! 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 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:
I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Bank of America. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Bank of America, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call BoA to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and BoA does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail.

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 2015-09-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America did not properly credit my account with a telephone payment. My payment was made on XXXX/XXXX/15 and my account was not credited until XXXX/XXXX/15 and only after I made at least XXXX phone calls and scheduled a meeting with my local branch. 
During the 2 week period I was seeking resolution :1. I had to endure long hold times. 
2. I was treated by rude customer service reps, including XXXX supervisor who told me to stop calling or I would just delay the process. 
3. At least XXXX calls were disconnect so that I had to start the process over again. 
4. I got calls and e-mails advising that my account was overdue. 
5. A hold was put on my account, a fact that I discovered when I tried to use my card and was told by the clerk at the point of sale that my card was declined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been trying to get my payments lowered to where I can afford them. Navient is telling me I am basically out of options and that I need to consolidate my loans with direct loans to get other payment options. I have no problem paying on my loan, but I can not give them the amount they want at this time. They are not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has begun making adverse entries in my credit report, falsely claiming that I have two accounts with them that are more than 120 days delinquent and that I agreed to pay them {$430.00} per month for 120 months. I never had any such agreement with this company and am not in default of any agreement with them. My credit score has plummeted by hundreds of points based upon these fraudulent reports to the credit bureaus. I am unable to have the adverse information removed from my credit file. From their entries they appear to be attempting to revive and collect on an almost forty year old purported student loan. I have no such student loans. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a complaint with Bank of America XXXX/XXXX/2015 - Case number : XXXX and thought that my issue has been resolved. The issue is that my saving account that was converted to a checking account was continue to be assessed fees then charged of. This account was not suppose to be converted to a checking account. It was to remain a savings,. I was advised today by a rep that I was accessed monthly service charges from XX/XX/XXXX - XX/XX/XXXX and the account was forced closded XXXX XXXX. another bad servicing item and after being advised of the error for the 10th time. No one corrected. 
Orginal complaint verbiage : My # 2 complaint is that I had my savings account converted to another Checking Account without my notice or approval and now I am being charged a monthly maintenance fee on that account. I have advised BOFA of all of my concerns and they have not attempted to investigate or make any corrections. These fees have been accessed without me being aware. This is an unfair act or practice. And a violation of UDAAP.The Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. Anact or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumersor to competition. 
Confusing marketing strategies and lack of disclosure of terms of checking and savings

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