vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In the course of my 11 years having a mortgage with Bank of America, the bank has looked for every way under the sun to continue to unfairly collect escrow payments for my homeowners and flood insurance. Over 2 years ago, I requested that taxes and insurance be removed from escrow, and XX/XX/XXXX, for the first time, I was able to directly pay my homeowners premium, flood insurance premium, and taxes. XX/XX/XXXX, I received a bill from XXXX for my XXXX FEMA flood certificate, which I, directly, paid in full on XX/XX/XXXX, renewing my coverage a full month before it was due to expire on XX/XX/XXXX. One week later, BofA called my insurance agent stating that I had a gap in flood coverage and they needed proof of insurance. My agent sent proof of insurance twice. Note that at the time of their query, my XX/XX/XXXX policy was STILL in effect, and I had already paid my XX/XX/XXXX renewal premium. On XX/XX/XXXX, XXXX issued me a refund check for the cost of the premium I paid, stating it was a duplicate payment. BofA did not notify me that they had sought & paid for coverage from XXXX on my behalf, nor did they inform me how much coverage was purchased, nor at what price. BofA later issued a letter to me stating that I now owe an additional {$210.00} per month escrow to cover the cost of the Foremost coverage. The coverage I directly purchased cost only {$1300.00} in total, or about {$110.00} per month. The letter still did not explain to me the details of the coverage BofA purchased on my behalf. 
Over the course of 3 years, I have now twice been wrongly charged for insurace gaps BofA claimed I had in coverage. In the first occurrence XX/XX/XXXX, I refused to pay the additional escrow until the dispute was settled. BofA collections began to call me - a 10 year customer at the time, with not one single late payment on my record - and aggressively threaten to ruin my credit over a dispute of less than {$100.00}. This most recent occurrence is the most deceptive attempt to retain my money in escrow for their use. I have worked with at least XXXX other mortgage providers in the last 17 years of home and investment property ownership, and BofA is the only one to have employed such blatantly deceptive and aggressive tactics to take more of my money for their use.

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 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.

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 2016-06-02 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:
Bank of America is at it again with their overdraft fees. I check on my account at least every other day. Sometimes I do not have access to a desktop and use my mobile banking to check balances and such. They have created a new trick which allows you to see your " account balance '' on mobile devices but apparently it 's not a true balance. I.E : the statement page shows a balance of {$25.00} but at some point over the last 24 hours unbeknownest to the customer, a debit will have hit the bank ( I know that occasionaly my auto bills will come a day or XXXX early without warning ). Bank of America hides this information on a page that is not available through mobile banking and even on the desktop is difficult to find. They then wait until they have extracted their {$35.00} fee to even send an alert giving the account holder no fair warning to be able to put funds in before the item causing the fee posts. I received an email at XXXX today, checked my account, showed an available balance of approx {$50.00} after the supposed insufficient item that triggered the fee but on their other page which is conveniently not readily available, it shows differently. This secondary tab also shows " available balance history '' and " statement balance ''. In other words, the balance that they give you ready access to through mobile and first sight on a desktop is completely different then what they claim your balance is. I.E : my available ending balance on the " hidden tab '' is $ XXXX but my statement ( what I can see when checking in on my mobile device and the first screen on my website ) is {$51.00}. They deliberately hide your true balance, do n't send notifications warning of insufficient funds until the middle of the day after they have already hit you with a fee and do n't give you opportunity to get funds deposited before taking their fee ( e.g XXXX sends an immediate alert and gives you 24hrs to deposit funds before charging a fee ). I have lost over {$100.00} with this sneaky practice over the last year. I am pretty diligent about making sure money is there to cover bills but occasionally a company will post early without my knowledge creating this nightmare. If I had visibility to it when it happened and had a chance to deposit funds, there would never be an overdraft fee but as usual Bank of America has found another way to steal money off their customers.

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 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
The borrower lives in a house that her deceased mother took out a mortgage on. The property is titled in the borrower 's name, but the mortgage is in her deceased mother 's name. The borrower currently has a foreclosure action pending against her in XXXX County, Florida. 
The borrower was offered a permanent loan modification in late XXXX 2016. The borrower executed the permanent loan modification on XXXX XXXX, 2016. The borrower 's attorney sent XXXX executed copies of the loan modification to the servicer 's point of contact, XXXX XXXX of Seterus, on XXXX XXXX, 2016 via certified mail return receipt requested. 
XXXX XXXX then asked the borrower to submit a death certificate for the executor of her mother 's estate. The borrower 's attorney faxed and mailed a copy of the death certificate to XXXX XXXX on XXXX XXXX, 2016. 
The borrower 's first payment under the loan modification was due on XXXX XXXX, 2016. The borrower made her XXXX XXXX, 2016 mortgage payment. She also paid her XXXX mortgage payment. 
Seterus is sending the borrower correspondence dated XXXX XXXX, 2016 stating that the loan is delinquent and the XXXX XXXX, 2016 payment through the XXXX XXXX, 2016 payments are outstanding. Seterus also sent the borrower a mortgage statement dated XXXX XXXX, 2016 stating that he amount due is {$16000.00}. 
The borrower 's attorney filed a motion to dismiss the foreclosure action with the court. However, a new foreclosure sale date has been scheduled with the court for XXXX XXXX, 2016. The borrower 's attorney has contacted the Plaintiff 's attorney several times regarding resolving this issue, but the Plaintiff 's attorney says it does n't have any record of a loan modification being executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Describe what happened so we can understand the issue ... 
This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES XXXX % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that XXXX % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different 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 non-monetary relief
Consumer complaint received 2016-12-08 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 have been going back and forth with Bank of America regarding few fraud charges made to my account. My wallet was stolen and there money was withdrawn from my BOA and XXXX accounts. My wallet had my ID and debit and credit cards. XXXX was the XXXX to call me about the fraudulent activities. BOA account was hit worse. They withdrew the money from the ATM, bought stuff online, also cashed out a check with my name on it. This all happened after I had blocked the debit card. BOA has not been co-operating with me at all. Their claims department is the worst. They are not checking the regional bank camera and records for this fradulent activity. How can anyone walk into the bank and withdraw money from some other account? Whoever stole the money got a debit card from the bank with my ID and old debit card, which I did not have in possession. There was a replacement fee of XXXX $ on my account and there was a debit card issued which I never got hold of. They know its their fault and they are denying each and every claim made. I need some serious help. I have been constantly been denied inspite of police reports and other reports of money being stolen from other banks, including my XXXX account. Other banks were very helpful but BOA is giving me a XXXX XXXX. 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 with monetary relief
Consumer complaint received 2016-03-25 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: FL

Complaint narrative:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Fax Number : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1972 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-03-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient continues to call me despite my being current with my min. payments and after I 've asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: GA

Complaint narrative:
Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I deposited a {$2000.00} check at my local Bank of America branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on " hold '' by BOA without any notification to me. My inquiry to the BOA " risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to BOA, and that it had never been returned as indicated by the BOA risk department. Seeking an explanation for both the delayed " hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize BOA to do whatever they want, agreed to contact the " risk management '' department and get an explanation for me regarding the " returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the " hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the " delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by BOA for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the " hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that BOA employees are not expected to speak the truth when asked a direct simple question. Although the action by BOA has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case.

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