vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is my SECOND complain exactly on the same issue. XX/XX/XXXX after filing my my original complaint Bank of America agreed and " corrected '' the problem until XXXX XXXX when the exact same TEN DAY HOLD issue started again XXXX I have a large XXXX Mortgage " Line of Credit '' with Bank of America. Whenever I make a loan payment over {$5000.00} ( which I do often ) BoA places an automatic TEN business DAY HOLD on each payment EVEN if my payment is made by a Federal Wire Transfer and even on my business checks written from Bank of America on the grounds that they unilaterally determined that any payment over {$5000.00} is " suspicious '' EVEN wire transfers and checks drawn on their own bank. Given the definition of a " Line of Credit '' typically involves a certain velocity velocity for large payments and withdrawals. TEN DAY HOLD is simply stupid

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 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: KS

Complaint narrative:
My son contracted with XXXX XXXX ( now Navient ) for student loans. The first loan was originated on XXXX/XXXX/XXXX for the amount of {$10000.00}, and the second loan was originated on XXXX/XXXX/XXXX for the amount of {$15000.00}. I cosigned for the student loans at that time. I filed a complaint in XXXX against Navient because they refused to work with us in settling on affordable terms for the loan repayment. That file number with your office was XXXX. That complaint was closed because we thought we had successfully negotiated an agreement with Navient for a reduced interest rate and reduced loan balance. Specifically, we agreed that the interest rate would be reduced to 0.001 %, that the total amount of XXXX loans would be reduced to {$12000.00}, and that we would pay that off with an initial payment of {$2500.00}, 24 monthly payments of {$160.00} through XXXX XXXX, and then a lump sum payment of the remaining {$6100.00}. 
However, we were never able to get Navient to commit to the agreement in writing. We have been making the payments in accordance with our verbal agreement, but Navient has never modified the terms of the loans. The loan information in our online account still shows the original loan interest rates and balances. This means that almost 90 % of our monthly payment is going to pay interest on the loans, and the balance is barely decreasing from month to month. This is not what we agreed to. I called Navient on XXXX XXXX, XXXX, and spoke with XXXX, and then with his supervisor, XXXX XXXX. They both reviewed their records, and verified that the terms I stated were correct. They had no explanation as to why the loan terms in my online account had not been updated, and they stated that they would get back to me no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have not had a response from Navient. 
Furthermore, they have not updated the information on my credit reports to reflect that the loans are in repayment and not delinquent.

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: NY

Complaint narrative:
When I got out of school XX/XX/2010 I paid Navient a check for XXXX to pay down my student loan debt and they never credited my account. I have hired an attorney and I made them power of attorney on my account. Navient refuses to send me copies of payments made to me or them and they will not accept the power of attorney that we have sent them several times. Please I need help on what I should do because my loans keep adding up and I cant afford to pay this debt because they will not credit me the right amount that is owed. I paid the XXXX to XXXX because that was who I was advised to make my payment to from the school please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of id theft and it has been an on going issues for me verifying accounts reporting on my credit some of which are unknown to me, I request that you please forward all information pertaining to the opening of this account opened without my authorization.

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 2016-03-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contact my current lender bank of america back in XXXX to request a loan modification due to my reduced income. I was told that unless I 'M LATE OR BEHIND ON THE LOAN I WOULD NOT QUALIFY ... Their representative clearly ADVISED ME TO STOP PAYING MY MORTGAGE IF I WANT THE MODIFICATION OFFER SENT TO ME ... ..With no other options offered to me I followed their instructions and stopped paying my mortgage. After I got an offer to modify my loan, representative assured me that if approved that all mortgage lates WOULD BE DELETED from my report. HOWEVER, 3 YEARS LATER THEY STILL HAVE NOT DELETED THE LATES WHICH THEY FORCED ME TO INQUIRE. I have been trying to reason with bank of america since XX/XX/XXXX but all I 'm getting is computer generated mail and no results or any attempt on their end to resolve this issue. Because of these lates now i can not refinance my house or get a better loan .... AND NOW BANK OF AMERICA CALLED ME OFFERING TO DO A DEED IN LIEU OF FORECLOSURE.. WHEN I 'M CURRENT ON MY LOAN ... they are desperately trying to STEAL MY HOUSE by ruining my credit and ignoring my request ... please 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
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
During the financial crisis, my loan was going into default in 2010, Bank of America did not apply my past payments to my home loan. I was told to make 12 months of payment, in order to be considered, I made the payments, but was n't offer a modification nor was the monies I paid applied to the loan. Due to Bank of America employees leaving the company, no one tracking my account or assisting me for 2 years, the account continued in default. Earlier this year, I was offered another opportunity to make trail payments for consideration of a modification, which I did and made those payments on time. Bank of America did not apply my past payments nor trail payments to my loan. The monies HUD advanced to Bank of America to pay for past due amounts was not applied to the past due amounts, but Bank of America wrote up my loan, and then reduced it by the monies advanced by HUD, thereby leaving my outstanding loan amount unchanced. Bank of America is also claiming I owe them {$15.00} for the processing of the modification, which is showing up in my statements. The loan should have been decreased by monies I and HUD paid towards the balance, but they did not do this, nor inform me that they would be applying the monies they way they did. In addition, Bank of America has not informed the credit bureau that the loan is no longer past due, but current and in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 've credited with bank of America. I lost my credit cards and also report to the bank and requested a new cards but never receive a new cards in mail. Recently I check my bank using online mobile app and it shown unnoticed balance as well with tremendous interest charge which I have no clue about.

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 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This original credit card " Bank of America '' debt ( account # XXXX ) in the amount of or close to {$28000.00} which has had no activity, payments and or correspondence in more than ( 6 ) years, has more than exceeded the legal California time statue to legally collect. I would like a letter from the current and or previous collection agencies ( BELOW ) stating for on " my behalf '' that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES NOW AND OR IN THE FUTURE ON THIS BANK OF AMERICA CREDIT CARD IN THE AMOUNT OF OR CLOSE TO {$28000.00}. Also, would appreciate if they could also, to inform and or remove this negative mark if possible from The XXXX Credit Bureau and or other credit agencies ASAP. 

BELOW ARE THE PREVIOUS AND OR CURRENT COLLECTION AGENCIES PERTAINING TO THIS Bank Of America Debt. 

1. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXPhone : ( XXXX ) XXXX. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BofA card. Booked flight 0nXXXX/XXXX online. Recieved call from BofA fraud to check charge. Confirmed all of my info. Was told everything checked out. Recieved itinerary from airline. Checked card balance on XXXX. Balance was short airline charge. I called BofA to find out why and I was told they declined the charge. My credit rating is excellent, and I carry a very low balance ( balance was {$300.00} dollars at time of booking. Credit limit of {$8000.00}. ) But they approved the charge from the internet booking company for {$12.00}. I then needed to rebook my trip, and the cheapest flights we could find were {$300.00} more than previous. Flights were rebooked on my wifes credit card, as we no longer trust BofA. BofA is directly responsible for this charge, but they refuse to pay. Card was cancelled on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
Loan keeps increasing and sometimes automatically put in foreberance without agreement. Interest keeps accruing to high amounts that are difficult to keep up with payments. They do n't offer different payment plans based on affordability or income. I attended a school, XXXX XXXX, in XXXX AK, that was n't credentialed for the programs and went out of business shortly thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 a representative of Citigroup , Inc. advised me that I would receive certain card benefits as part of signing up for a new Citi XXXX. I relied upon these statements made on a recorded line to sign up for the new credit card and paid a {$450.00} fee as required. I was later informed that the benefit would not be provided. The matter was escalated to multiple groups at Citi without a resolution. The escalation path is clearly designed to fatigue the customer in the hope that they give up on their pursuit of their rights. 
It is clear to me that Citi representatives have engaged in a pattern and practice of deceptive behavior during this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to modify my mortgage payments for sometime now. I XXXX started the process with a firm that later turned out to be fraud. They would charge people and then they disappeared with everyones money. I later found some other lady to whom I explained by situation and said she would help me. She started helping me but then stopped answering my phone calls. I went to look for her and that is where I found out she had been put in jail for a reason I did not know. I then found an organization called NACA. They have been helping me through this complicated process. I have been up to date sending the bank all the papers they request from me. They have denied my loan modification and we have appealed to their decision. Once again they denied my modification but they NEVER give me or the people helping me from NACA a legitimate reason as to why I am getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to bank of America but I have not received them.. Bank of America is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Bank of America. I am also asking your help to prosecute those that are using my money and the bank of America representative that is putting the money into the wrong account. Bank of America is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with bank of America and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, 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 explanation
Consumer complaint received 2017-02-06 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: IN

Complaint narrative:
Since my repayment started almost 1 year ago the payment has been too high for me to afford. I called them as soon as I knew what the amount would be per Month but they told me there was nothing I could do and that I made enough to make the payment, which I did not. After losing my job 3 months ago I started to get behind on payments but still they told me I had no other options for repayment all I could do was put them in forbearance which would cost {$150.00} per loan or default on the loan. I started receiving calls multiple times a day when I was behind and when I would answer they continued to tell me I had no options. Finally after being 4 months behind on my payments, racking up a lot of late fees and them raising my interest rate on each loan by almost 1 % they said I could do a different repayment plan. That took my payment down a lot but I had to make 3 months payments on time before I was actually enrolled in the plan and the plan only lasts for 12 months. I enrolled in the plan, made the payment on time this month and they continue to charge me late fees on all of my loans. They also reported to the credit bureaus again that I was still late even though I made the payment on time. They told me nothing would change in their system until I made those first XXXX payments on time so it still shows I 'm now almost 5 months behind even though I made a payment and that means they will still report to the credit bureaus that I am missing payments plus charging me those late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: TX

Complaint narrative:
put a large payment down on the loan and asked that it be placed towards the principle. it was not, it was placed towards the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: PA

Complaint narrative:
I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??

Company response to consumer: Closed with monetary relief