vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX 2011, my mom and I purchased a multi-family house in need of renovation, from Bank of America for $ XXXX in a short sale. At the time, the Bank of America loan officer handling the short sale ( XXXX XXXX XXXX ) told us the house would not qualify for a financing via a conventional fixed mortgage with 20 % down, due to the condition of the property so he arranged an FHA loan, even though we had enough cash on hand to buy the property outright at the time and would have preferred conventional financing. The FHA loan came with a mandatory 5 yr PMI payment that we were told we could remove once we reached the 5th year by providing documentation of the increased equity value from the renovations we were undertaking and paying for a new appraisal to verify the improvements. To date, we 've improved the property by more than {$95000.00} in materials and restoration work. At closing when we asked again, the Bank of America loan officer repeatedly assured us that upon presentation of the completed renovations including all new windows & door, new porch, new deck, new kitchens, new bathrooms, new plumbing, new hot water heaters, new furnace & updated electric, we would be able to remove the PMI. It has now been 5 years and upon contacting Bank of America, we are being told something entirely different. They say we can not remove PMI unless we make an equity payment of a lump sum to bring the loan value to 78 % of the original purchase price & appraisal value ( which is significantly undervalued because of improvements ), even though we were specifically told otherwise as we went through the loan process and also upon closing. This is not what we agreed to nor did we sign anything that said that.

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 2016-07-28 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: NJ

Complaint narrative:
my name is XXXX XXXX, I had a payday loan in 2011. I had an ach debit account through Bank of America, I ask bank of America to close the account and they did so, but they allow the payday loan people to continue to try to debit my account which was inactive. so they keep charging me overdraft fees for monies that was not in the account XXXX worth of fees now they have reported my name to XXXX and I can not open up an account, this is unfair, I need help

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 monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Contacted someone not even related to me regarding my debt!!!!

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 2015-10-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted all requested data to the Bank of America Loss Mitigation Department and my request was denied. I submitted an appeal and my appeal was denied. My husband passed away in XX/XX/XXXX, the only income I have is {$1800.00} in XXXX. {$800.00} in pensions and {$400.00} from a boarder. My current mortgage is interest only, {$2700.00} per month interest only. I also have regular expenses ( auto payment and insurance, utilities, etc. ). I am currently supplementing my expenses by depleting my IRA. My mortgage is scheduled to jump to {$3500.00} per month in XX/XX/XXXX yet I can not get BOA to modify my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Keeps calling for the wrong person at my phone number.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: TX

Complaint narrative:
I recently completed a Chapter XXXX Bankruptcy ( 4 Months ago ) and month later after checking my credit report I noticed my student loans were listed under a collection agency. At the time I did n't know Private student loans were n't included in a Chapter XXXX so I filed a dispute with the collection agency. I began receiving settlement calls from the creditor asking for a settlement of {$1000.00}, I did n't have that much money readily available at that time. I have not once received an e-mail or letter/bill for my private student loans but I do regularly receive letters for my Federal student loans. I have been making payments on my private loans and when I reached back out to Navient today ( XXXX/XXXX/2015 ) to try and get my interest rates reduced from 13.25 % or lower the total amount. They informed me that I need to call back in a week because my account is in collections and they do not know who the creditor is. I find that odd as I have not received any written communication about this AND when I go to their website it still allows me to make payments ( Which I have been actively doing ). The website also says I have missed 19 payments and I do n't see how that 's even possible considering I have only been out of Chapter XXXX Bankruptcy protection for 5 months. I feel that this lendor may be taking advantage of me and I would like someone to look into this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an account with Bank of America ( credit card with deposit\o of {$99.00}. I did a charge for {$40.00} dlls and statement showed additional {$39.00} for fees. I called them to cancel that account and thet only returned {$17.00} dlls ( check XXXX from their account : XXXX XXXX XXXX XXXX. 
I will appreciate to aske them to return my complete money back

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 monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I own XXXX XXXX Bank of America XXXX and XXXX of them got charge with {$59.00} annual fee. Contacted the Bank to have the charge removed and to close the account. No sense on having XXXX accounts. The Bank gave me several excuses which did not make sense and finally escalated the case ( # XXXX, tel no. XXXX ). The escalation resulted in the Bank telling me that only Spirit can remove the charge. Contacted Spirit and I got redirected back to the Bank. Find attached e-mail from Spirit. I am between these XXXX institutions a no one wants to remove the charge. This is a charge for next year services and I do not want these services.

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 monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
The debt was resulted from Identity theft i do not have knowledge of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
cc : FDICConsumer Claim Number : XXXXBank : Bank of America DISPUTE RESOLUTION SERVICESXXXX XXXX XXXX XXXX AZXXXXMerchant : XXXX 
The Event : The consumer requested a refund from the Merchant based on breach of contract and or fraud which supercedes the 30 day return time period. The Merchant refused to refund so the consumer opened the claim with bank and faxed as well mailed to the bank written details supporting the claim. The bank failed to send the chargeback notification by mail to the Merchant ( as stated in the Merchants fax to the bank dated XXXX XXXX, 2015 ). The Bank 's letter to the consumer ( mentioned above Dated XXXX XXXX, 2015 ) disregardes the consumer 's written evidence for the claim as if they never received it ( in addition to not bringing it to the Merchant 's attention in writing, by mail ) and also states that " As a result, the temporary credit for {$790.00} that was previously applied to your account will be reversed on XXXX XXXX, 2015. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be reversed. We now consider this disputed resolution closed. " Notice : The Merchant-consumer transaction was from XXXX ( a different legal entity than XXXX. who sent the communication to the Bank via fax XXXX XXXX, 2015 ). 
The consumer demands that the disputed transaction remain open while this issue is investigated and that based on fraud, the credit for {$790.00} shall not be reversed. The Bank must prove that they received no written evidence for the claim from the consumer, as well as acknowledge that htey did not follow dispute resolution procedure on behalf of the consumer or the merchant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Calling in excess of 12 times per day and refuse to let me consolidate my loans. Use multiple phone numbers to keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: CA

Complaint narrative:
I was misinformed for over 3 years by Navient regarding the payment plan I was on. They told me that my payments qualified for Public Interest Loan Forgiveness and recently told me that the payment plan I was in did not count towards that program.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is currently the holder of my student loan debt. They have misguided me on options of repayment. Therefore, my credit report has been greatly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, " We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist 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 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.

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 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a free checking program with Bank of America. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.

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