vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
see complaint # XXXX ( open ) and # XXXX ( why did you close this one ) Status of my complaint and all documentation proving the fraud ... ..please make bank of america compensate me for what they have done. 

On XXXX XXXX, 2008 I was set up by XXXX XXXX XXXX fraudulent transfer of warranty deed and XXXX XXXX Bank of America fraudulently finished me off. 

XXXX XXXX property fraudulently on XXXX ( who paid the money to do this since my policy did not take effect until XXXX? and I did not sign nor take possession until XXXX? ) -Effective date of title policy XXXX why this date? 

-I paid {$420.00} premium for XXXX XXXX insurance on what date did you receive payment? 

-Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title XXXX ) -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated I did. 

XXXX XXXX " states '' Bank of America had note XXXX AND investors were Bank of America NA see SEC filing from XXXX for securitized pooling certificates -XXXX Opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of XXXX ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions.. 

-property auctioned off XXXX - DEED of Trust recorded to Bank of America transferred XXXX after home auctioned off Remember XXXX in XXXX? 

After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX. All the players involved from the day I looked at the property located at XXXX XXXX XXXX, XXXX, MO XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX XXXX and Bank of America to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and BAC Remember XXXX in XXXX? 

Not one of you saw me as a person with the hurt and pain that you put on 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 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a XXXX XXXX motorcycle 0n XXXX/XXXX/XXXX. Bank of America provided the financing as before on a previous XXXX purchase which was paid in full after only two years. The scheduled monthly payment was around {$320.00}. I paid however numerous payments of $ XXXX/month and by XXXX of XXXX, my loan was paid down to {$6800.00} from $ XXXX. I was sent overseas but received monthly statements which were forwarded to my neighbor for him to watch over my home and mail. Each B of A statement showed an Amount Due : {$00.00} because I was paid so far in advance. On the XXXX month, I returned home and found a nasty letter from B of A claiming that because I missed XXXX ( XXXX ) payments, They are calling in the loan and my interest rate went from 7.9 % to 29.88 % which tacked on close to {$10000.00} bringing my note to over {$16000.00}. I tried to rectify the problem but when they attempted to repossess the bike from my garage one evening, I was standing there with a shotgun. Needless to say, they failed and I alerted the police to their illegal activities. The collection agency took off and I found out when the XXXX officer came by my home that they had not received a call letting XXXX know they were collecting a debt. B of A is claiming on my XXXX credit reports, different payment dates and number of payments made. XXXX repost shows XXXX payment in XXXX. The other shows all payments made in XXXX. FALSE! The fact is the Charge Off is older than 7 years but B of A is falsifying my credit history and committing Consumer FRAUD! I am going to attach the dispute review so you can see the fraud first hand. 
Please ask B of A to verify ( showing payment proof ) that I made any payment after XXXX of XXXX. There will be a cancelled check as that is the way I paid my bills then. Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am paying over the amount of my monthly minimum payment and the company will not let me elect to have my overage payment go towards principal only. This was for a XXXX study loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Wise Finance, LLC
State: IL

Complaint narrative:
On XXXX XXXX 2016 at XXXX XXXX there was a call place to XXXX, XXXX XXXX XXXX, XXXX in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a total loss on my truck due to an auto accident. I have telephoned Bank of America as has my insurance company to request a copy of Letter of Guarantee and Title as Bank of America holds my loan. After being on hold for ( documented time of 4 hours ) for 3 days in which no one picked up the phone at XXXX, I finally spoke to someone today who said they would do their best to honor the request for the needed information in 5 business days or more ... And to call back if it was not received. While I continue to pay daily interest, rental car fees, and continue to make car payments. I notice when I search the web and Bank of America 's website there is a significant amount of data for consumer auto financing? but very little data on the total loss policy except a phone number that no one ever answers? This process does not in anyway appear protective of the consumer, only of the big banks. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX Auto Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I went into the XXXX XXXX branch of Bank of America in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Bank of America to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatBank of America has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: CA

Complaint narrative:
I went to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was unaware of some of the loans that I had until it came up on my credit report. I had a sub par education and never got hired in a decent job in the field of XXXX XXXX. I am not even in the field as I work in the XXXX XXXX field working with kids with XXXX. XXXX XXXX XXXX never explained all these loans and I felt pressured when they would rush me through signing some of the loans. I do not even remember signing for all of the loans. I make close minimum wage and can not afford these loans and the cost of living such as paying rent, electric, gas and other bills I have. XXXX XXXX XXXX XXXX, CA and XXXX XXXX, CA Campuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After literally years of trying to get Bank of America to send documentation as to why and how I am bound to their terms, I received an interesting document from Seterus whom Bank of America turned my loan over to. Now to be very clear, Bank of America did not provide this document to me even though I have been asking for it for years but here 's the most interesting part, it is a 'Assignment of Mortgage ' document dated XXXX/XXXX/2016. I hope everyone sees the issue here, they have for years not only been harassing me and collecting money and everything else, but very clearly they had not done what was proper and there 's still parts to it that are not proper but I still have n't put the pieces together with this. The fact is that Bank of America has grossly mis-handled my loan and I have another document that XXXX has provided which I believe to be forgery but first, I would like an explanation from Bank of America on this document and that explanation should include why BoA did not file this previously and also why was I not provided a copy from BoA??? One very notable part of this is that my loan was transferred to Countrywide so I still do not believe that this document is valid or relevant in any way. Another thing is that this document was never recorded which perhaps is a clear indication BoA knows there is a problem with this document. One more addition is that the 'note ' that XXXX sent does not match the original mortgage note that was recorded for the loan so again, there is A LOT of suspect material at this point!

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 2016-04-11 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: IA

Complaint narrative:
My federal student loans are serviced through Navient. Every year I have to renew my income-based repayment plan, as my payment would otherwise be almost half my monthly income. Every year I submit this on time. Last year, I paid Navient twice at the full amount while they were processing the plan because my loans were on auto-pay. This year, I submitted the plan XXXX XXXX, and Navient has been " slow to process requests due to an unexpected increase in the volume of claims. '' Tonight I again received a full bill for XXXX XXXX. Navient has been sitting on my income-based plan for more than a month. I fail to see how they are still experiencing an unexpected increase when they said the same thing to me last year. Their " responsive '' ( no joke, it actually has that in quotes on the top of the page ) website does n't even have good documentation of the status of my request, though they did send me an email confirming that they had received it which I am keeping in case things go the way they did last year. It 's ludicrous that something that should be so easy ( other loan providers for my wife already got back to her about her plan ) is always so difficult with Navient, generally to my detriment through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
While I now have seemingly countless complaints against Bank of America, the only reason for this is because of their continued avoidance to address the issues so they continue on even they inaccurately state the issues have been addressed, resolved, and closed. I still have n't figured out if it 's intentional, some sort of strategy, or just incompetence but that does n't really change the situation that they refuse to deal with the issues. It has gotten to such an extreme that the basis of this complaint is that they are now simply cut and pasting responses. This was never so evident as the last issue which was related to their simply providing document after document and it became impossible to keep up with disposing of the same documents over and over again but yet their response was related to another issue related to insurance. It was a precise cut and paste. The worst part is that the insurance issue was also essentially a cut and paste from previous issues but it required action on their part since they incorrectly accused me of not having insurance when I did and I fear they simply did n't even read the issue and did the cut and paste. This really is leading to the belief it 's incompetence but the funny/sad part is that everyone in this process is being paid for their time except for me and the only XXXX executive in this entire process. My motivation is to get answers, to get fair resolutions, it 's not to waste my time or anyone else 's but the second I stop responding and pointing out these issues is the point where all the previous time spent is for nothing and that 's now in the XXXX of hours which equates to XXXX of dollars. BOA does n't care about my time, they only care about greed and covering their butts when they do make mistakes. Again though and to ensure I 'm clear, the basis of this complaint is simply that they are now providing cut and paste responses which goes even further than their usual avoidance of issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2015I closed my credit card account ending in XXXX on XXXX/XXXX/2015. The account was paid in full when the account was closed. The account was online and I did not receive any paper statements on the account. 

On approximately XXXX XXXX, 2015 I received a letter from Bank of America. The letter stated my account was past due in the account of {$160.00}. This was the first letter or email I had received about the closed account XXXX. 

XXXX XXXX, I phoned the number on the letter ( XXXX ) and spoke to XXXX, then XXXX and then XXXX. I spoke for a total of one hour 12 minutes to Bank of America. 
In speaking with XXXX I was told a company called " XXXX '' charged my account in the amount of {$100.00} and the rest of the charges were late fees. XXXX told me if I paid the {$100.00} he would take all the other fees off the account. I was unhappy something was charged on a closed account and asked to speak to a supervisor. 

I was transferred to XXXX. XXXX told me things could be charged to a closed account for 30 days after an account was closed. XXXX told me if I paid the {$100.00} all the other fees would be taken off the account. I was unhappy something was charged on a closed account and asked to speak to another supervisor. 

I was transferred to XXXX. XXXX told me the " XXXX '' charge was made on XX/XX/XXXX. This is 44 days after my account was closed. XXXX told me anything could be charged to a closed account. XXXX said I had to pay {$100.00} which was the " XXXX '' charge as well as interest and then all the other fees would be taken off the account. I requested all the statements be mailed to my address. I have none of these statements and I ca n't look online at anything on the account because I closed the account. 

At this point I simply wanted to be done and I felt VERY harassed about the whole situation. I paid XXXX and she used check number XXXX from my XXXX checking account. XXXX told me the case number for the issue was XXXX. 

XXXX XXXX, I received a phone call from XXXX at XXXX. She requested I pay another {$1.00} and some change for additional interest. I hung up the phone. 

I am very upset about this issue. 
We paid in full XXXX CLOSED our account on XXXX have no access to the account, because it was closed online and we did not receive paper XXXX days AFTER our account was closed, Bank of America took a charge on a CLOSED account. 
When we did receive a paper bill/statement, we call XXXX receive different information from different customer service people. 
We DID PAY the charge & interest, just to be done with Bank of America, and then Bank of America did n't take off late fees AS THEY SAID THEY WOULD. 

Would you please assist us with this matter? 
Please contact us anytime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am in foreclosure. The alleged mortgage and note holder is Bank of America N.A . 
I lost my XXXX in 2008 and employment, from which I have not been able to recover. I have pleaded with Bank of America N.A . through hardship letters, in person with their loss mitigation personnel without success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We obtained pre-approval letter through Bank of American ( ( XXXX ) in this XXXX then started house shopping. In XX/XX/2016 our offer got accepted and we started to get our loan processed in next day, our loan officer gathered all the items needed, ordered appraisal then submitted our loan to their underwriting in CA ... ... We did not get a loan decision by XXXX/XXXX/16 which was the closing date. 

The selling agent contacted the loan officer for an update. However, there was no firm answer from Bank of America. Seller listed the house for sale next day ( XX/XX/2016 ) and kept our earnest money. Seller 's lawyer contacted our agent and let us know that seller was entitle to keep all earnest money since we did not meet the closing date. We also hired a real estate lawyer to fight. Keep long story short, it took over 2 months get this case settled. We only got a potation of our earnest money refund. 

Bank of American also issued a denial letter to us for a wrong reason, then requested a revised one ... back & forth. It has been a very unpleasant experience to deal with 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 monetary relief