vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against the unlawful practices of Bank of America that takes advantage of its vulnerable customers. I am a customer of Bank of America since XX/XX/XXXX. My checking account has settings to prohibit any debits, charges to and transfers from the account if there are insufficient funds to cover the transaction. Unfortunately, Bank of America does not honor its end of the bargain and on a separate occasions let my checking account debited, and the next day slapped me with {$35.00} late fee. It happened last year. I asked the bank not to honor any transactions in case of insufficient funds, but it did. The bank never refunded my {$35.00} late fee. It happened again this year. Bank of America allowed the transfer transaction to hit my checking account though I had insufficient funds, then conveniently slapped me with the late fee the next day. 
My second concern with the bank 's unlawful practice is the Alert system. With other banks, such as XXXX, XXXX, I get notified right the same moment any transaction happens in my account. However, Bank of America failed to alert me the same day about the insufficient funds in order I could rectify the situation and deposit the funds. Instead, Bank of America sent me the alert the next day- XX/XX/XXXX at XXXX. I immediately deposited the check to cover the difference and called the bank to see if any further actions were needed to take care of the insufficient funds. The rep asked me to call the next day - on the XX/XX/XXXX to get my credit back. Today, XX/XX/XXXX I called twice, spoke to XXXX who refused to credit the late fee, and did not transfer me to her supervisor XXXX , stating that the latter would not credit the late fee.Then I called again and spoke to another rep, and then her supervisor XXXX , who also refused to credit the {$35.00} late fee. Also, in response to my inquiry that this is Bank of America error, as it failed to notify me on a timely fashion about the negative balance in my account, as well as it allowed the transaction to go through in spite of my prohibition in case of insufficient funds, this supervisor said that Bank of America will do this again in future, if it wants - '' This is at the discretion of the bank ''.

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 2015-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to the Bank of America on XXXX/XXXX/2017 to deposit my refund check into my personal checking and was informed that the check would be placed on hold for different dates, first date given was XXXX/XXXX/2017 and released at XXXX, the other date was for XXXX/XXXX/2017 at XXXX. And I was certain to have the fund for {$200.00} released on XXXX/XXXX/2017. I saw the funds for the {$200.00} today and then it was returned to the bank. They instructed this was certain to be released and no additional problems with the hold on the check. I had a choice to decide whether I would like to deposit the check or go somewhere else. But I was told the correct information then I would have went to another location or another place to cash my check. I did state it was important that I receive those funds by that 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
Consumer complaint received 2016-06-30 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: NY

Complaint narrative:
This bank charges fees for items that should have been returned or that were n't allowed to go through, they do n't have properly trained personnel and thrive on collecting multiple charges. I recently lost my card and I was unable to deposit funds in a timely manner, this bank refused to waive the fees, XXXX dollars for a XXXX dollar transaction

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 2016-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I just went to pay my mortgage payment. I do it using a online system, was surprised to find my mortgage not there. When I called I was told my mortgage had been sold. To my knowledge I was supposed to be notified 15 days prior. I have no clue who owns my mortgage now and who I pay. I have never been late in five years of owning this home loan on XXXX payment.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
In XXXX XXXX, 2011 my ex and I divorced. The decree became final on XXXX XXXX, 2011. It stated the she would retain the residence that was financed by XXXX, {$330000.00} which was in foreclosure status. She then obtained financing - and a loan modification by XXXX. She paid the late fees, interest etc. Page XXXX item # XXXX specifically released me from any further liability on the referenced promissory note. I executed the quit claim deed for the property on XX/XX/XXXX2011. 
Equifax continues to show the mortgage as active and overdue. It can not be active in my name, it needs to be removed from my history as active or owed on currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I attended XXXX in XXXX, MA and graduated in XX/XX/XXXX with a XXXX in XXXX. I have XXXX outstanding XXXX XXXX ( now Navient ) " Smart Option '' loans and the six month grace period has ended. The principle & interest payment of {$850.00} have now come due starting XX/XX/XXXX, this payment is based on a 10 year payback term ( I believe ). I have contacted Navient in an effort to discuss repayment options available to me and was told because of the type of loans I have, I can not be considered for an extended repayment. The only program that I could qualify for is a temporary rate reduction, which will only reduce the monthly payment to {$670.00} for 15 months. I feel that it was not made clear to me back in XX/XX/XXXX when I took out the first Smart Option loan, that this type of loan would not be eligible for any time of extended repayment plan. I thought by choosing a loan where I paid a small monthly payment while I was in school, it would help pay down the interest a little bit and reduce the monthly payment. It seems I 'm being punished for making monthly payments while I was in school and now that I 'm out and only earning a low salary, I have no options to extend the repayment terms. I 've spoken to supervisors and a manager at Navient and have n't been able to make them understand that a temporary rate reduction or a forbearance will not solve my problem. My main concern is that XXXX XXXX did n't make it clear that by choosing a Smart Option loan your repayment options at the end are extremely limited. I was told that the original promisory note that I signed states that it is a fixed payment but my understanding was that they were referring to the $ XXXX for each of the XXXX loans during the time I was in school. I feel that XXXX XXXX demonstrates deceptive and unfair loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They sent me back info saying it will not be removed and it was not investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ON OR BEFORE XXXX XXXX I RECIEVED A COLLECTION CALL FROM BANK OF AMERICA REGUARDING MY MORTGAGE PAYMENT THE LADY I SPOKE WITH TOLD ME I HAD XXXX IN MY ESCROW ACCOUNT AND IF I PAID XXXX THAT WOULD MAKE 1 MORTGAGE PAYMENT SO I GAVE HER MY ACCOUNT INFORMATION SO XXXX COULD BE DEBITED FROM MY ACCOUNT ON XXXX XXXX AND SHE GAVE ME A CONFIRMATION XXXX AND ON XXXX XXXX THEY DEBITED XXXX OUT OF MY ACCOUNT ON XXXX XXXX CALLED THEM BUT THEY COULD NOT GIVE ANY EXPLAINATION AS TO WHY THEY KNEW I WHAT THE AGREEMENT WAS WITH THE CONFIRMATION NUMBER THEY GAVE ME AND KEPT PUTTING ME ON HOLD AND EACH TIME THEY WOULD TRANSFER ME TO DIFFRENT LIKE NO ONE KNEW WHAT TO SAY ABOUT IT AND THE PEOPLE I SPOKE WITH KEPT SAYING THEY WOULD PUT IN A REQUEST FOR A REFUND AND ON WENSDAY XXXX XXXX XXXX I CALLED BACK TO CHECK ON MY REFUND THEY TOLD ME SINCE I WAS BEHIND ON MY MORTGAGE THEY WOULD JUST KEEP IT AND APPLY IT TO MY MORTGAGE HOW CAN YOU JUST TAKE MONEY FROM SOMEONES ACCOUNT ILLEGALLY AND NOT RETURN IT IF I DID SOMETHING LIKE THAT I WOULD BE ARRESTED FOR THEFT AND WHATS WORSE THEY DIDNT WANT TO ADMIT THEY STOLE MONEY THAT WASNT RIGHTFULLY THEIRS TO BEGIN WITH SOMETHING NEEDS TO BE DONE ABOUT THIS

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 2016-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
a bank that has never had a loan with with me has foreclosed on me and sold my home when they had no standing or subject matter jurisdiction to do so. the assisgnment was from bank of America to bank America using robo signers in californnia while I am in XXXX. There was a correction of deed which was not signed by me not having any authority to do so, doing illegal conversion to do so. There was court testimony by a bank employees who had no first hand knowledge with a affi\adivit of note ownership both which were heresay. the bank was requested over and over to supply a proof of claim which they did not show any transfer, chain of title, or any evidence that they were a holder in due course with any standing in anyway. countrywide securitized my note on XXXX XXXX, XXXX to XXXX countrywide series trust XXXX XXXX. They have stated in court evidencary affadivit by XXXX XXXX XXXX that they had it on that date and still have it to this day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX Years ago XXXX XXXX bought a house. BOA 's lawyer made an error and added me somehow. They gave me 50 % ownership without my knowledge. When they discovered it and SUED ME this summer, I signed off within XXXX hours. My signature appears NO WHERE on their documents. Today I received notice they have hired the law firm of XXXX XXXX to sue me for the balance owed on a HOME I NEVER BOUGHT! XXXX XXXX convinced your offices they had fixed this mess but he did NOT. The home was discharged in a bankruptcy XXXX years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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:
I have a student loan that I was making payments on. Due to life complications I stopped payment. I did not receive warning that it was going into default or I would have responded and payed proper attention to the situation. They began to repeatedly call my XXXX friends whom I had used as references, which immediately got my attention ( as opposed to sending me a single email - which I never received ). I signed in to resume payment to see that I was in default. After initial consolidation the amount owed was XXXX. They raised it to {$11000.00} - after selling to themselves at pioneer credit ( their own subsidiary debt collection agency ). Pioneer immediately proceeded to raise it again to {$13000.00}. Upon completing rehab I will be charged up to XXXX % more again. This will more then double the loan amount. This feels like its excessive to me. Do I have options here or do I just have to accept their terms? Thank you for your help in understanding this matter and my options.

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 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to Jefferson Capital. Jefferson Capital accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a 60 day period in which Jefferson Capital agreed. I called Jefferson Capital, LLC back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from XXXX ( XXXX collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, Jefferson Capital, LLC. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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: MN

Complaint narrative:
could you please check the account in collection? I do n't think it mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a XXXX and I have been trying to apply for an Income Repayment Program through the XXXX XXXX XXXX XXXX loan XXXX program. I consolidated my loans with XXXX and I am unable to pay the monthly amount. I heard that I qualify for XXXX from my military service, but the XXXX XXXX 's XXXX in XXXX has been contacted several times about my loan from XXXX. My XXXX XXXX XXXX XXXX was disbanded in XXXX and the moved to XXXX in XXXX CA and they lost my information. I have my information and from XXXX XXXX and need to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
my identity was stolen from Bank of America supporting documents show this info.

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 2017-01-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a 2nd mortgage -- a 2nd Balloon Mortgage- without really understanding it completely. That was my fault. I was laid off ( this was years ago ) I was unable to pay my 1st mortgage or my 2nd. Eventually I got a loan modification on my first all the while requesting that we address the 2nd at the same time. I was repeatedly told -- not not now..later. Later never came. After multiple attempts to work with BOFA to start paying on the 2nd loan I gave up. Now, I am trying again. And they are working with me to an extent but still vert shifty and vague. All i want it to renegotiate my loan -- start paying on the PRINCIPLE- and pay off the loan. I am gainfully employed now and can do it. I have JUST started to talk with an account officer at BOFA and will be going through the process next week. I am filling out paper work now. I know there is no guarantee that this will result in anything different than what I have now. I need advice and help. Thanks! XXXX ps. this is NOT thug loan -- I am {$14000.00} late on payments and the original loan is worth {$25.00}, XXXX. Can you help me or direct me to some one who can? Thanks!

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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient is charging an exorbant amount in interest to their borrowers, making it almost impossible to pay off. Most of them will take 10+ years to pay off. I can not afford to pay that much interest simply because I chose to get a college degree. It is not fair to students to have to pay this much interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America.

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