vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.

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 2015-09-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to Bank of America XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Bank of America and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Dispute of unauthorized credit card charges : On or about XX/XX/2016 I noticed unusual activity with my Bank of AMerica credit card ending in XXXX. Therefore, I immediately contacted B. of America and reported approx {$1200.00} of unauthorized charges. I proved Bank of America with as much information as I had and answered every one of their questions, On XX/XX/2016 I received all follow-up letter ( see attached ) requesting " additional information '' without providing that additional information in writing. Since I have family members in law enforcement, one thing I know is at all times have records documented so they can not be misconstrued and always make sure both sides have access to these records. Bank of America seems to demand a taped verbal conversation whereas, they obtain the only copy. However, I have read the complaints all over the internet that Bank of America refuses to be transparent and manipulative. Therefore, i have requested all correspondence in writing to avoid confusion. 
Below is the email i forwarded to Bank of America using their own and securely touted messaging platform. 
I have maintained a flawless credit history, never ever missing a payment in over 40 years and can not take an chances of this issue being reported inaccurately, as I am in the process of purchasing a new home sometime in the next few months. 
Additionally, Bank of America attempts to force me to download Adobe in order to view certain documents. I refuse to download adobe as they have a horrible track record of being breached or having viruses attached to downloads. As I have been a victim in the past. 
" Hi, RE : closed account ending in XXXX In response to a letter dated XX/XX/2016, which I received today ( XX/XX/2016 ), from the " Fraud and Claims '' dept. The letter is asking for additional information regarding my fraud claim. I am requesting all correspondence with respect to my fraud claim be done in writing via email or USPS. This will insure a proper and accurate record, which I am sure Bank of America supports. Verbal communications can be misinterpreted and lacks the transparency of both sides maintaining proper records. My email address is on file or you can reach me through your SECURE messaging platform. I will be happy to answer as best i can any additional questions. 
XXXX, XXXX 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 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been attempting to apply for a primary residence loan with various companies, most recently, Bank of America ( but also XXXX and XXXX XXXX. All of them have told me that I would be wise to pay cash for my new house because I do not have wages from a job to qualify adequately for a loan ( I am a XXXX, XXXX years old, and have sufficient income in my IRA according to my financial consultant to last till I am XXXX if I am careful ). I had planned to use the net income from the sale of my house in XXXX and from a small condo in XXXX ( my XXXX house ) to pay for the XXXX % down ( {$90000.00} ). I have XXXX other houses, rented, with some small extra income besides. I receive social security and take out enough from the IRA to cover all my expenses. The XXXX house I am buying equals in price the value of the XXXX houses I am selling. I have an excellent credit rating and have never had a financial problem ( foreclosure, etc. ). The Bank of America has told me, however, that all it can do is give me a mortgage for maybe {$170000.00} ( less than the $ XXXX I owe BOA currently, which the bank refinanced as a 15 year mortgage two years ago so that I could pay it off more quickly ). I have sent them my last XXXX tax returns, a XXXX for 2015 from my XXXX stock IRA, my Social Security XXXX, and an end of year summary at XXXX for the money my IRA and I have made this past year in a down year ( around $ XXXX ). Today I was told I must submit my 2015 return as part of the application process, which I thought I had till XXXX XXXX to submit. I am supposed to double-close on the primary residence I am selling and the new house I am buying at the same time/title company ( XXXX XXXX ) so my sellers can close on their house on XXXX XXXX. Not only do I believe this is illegal to ask for BEFORE XXXX XXXX, but I have n't finished it. Which means a defacto refusal on the part of Bank of America ( my executed contract for the house will expire in two weeks or so ). I was shocked when the agent told me I had n't even applied yet ( I thought I had ) and besides it would all need to be sent to the underwriter. I have been given a Prequalification Letter by Bank of America, which is why the sellers signed the contract. Dragging her feet means I will not be able to meet the contract deadline and perhaps not close at all timely. I believe that I am being discriminated against on the basis of age. I asked her what documents she needed for the approval that might be covered in the 2015 return, but she did not tell me. She just said she did not want to waste my time or money any further. I do not understand why I do not qualify for this loan, with XXXX houses and an IRA in value close to XXXX dollars.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I had multiple loans through Sallie Mae. After graduation I joined the XXXX. Before my repayments were to begin I called and set up a forebaerance so as to avoid default on my loans. When I got done with XXXX 6 months later I was informed that I was delinquent on all of XXXX ( XXXX for each semester ) loans. As a result my credit has been shot. Over the last few years I have tried to set up an income based repayment plan but was constantly denied. It was n't until the fall of XX/XX/2016 ( 8 years after my first application for income based repayment schedule ) I was granted the income based repayment. I feel that they should do a courtesy retraction of what they reported to the credit agencies. This would allow me to rebuild my credit and become financially stable enough I might be able to make some payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off my 5.5 % interest mortgage in XX/XX/XXXX with Bank of America. I never received a final reconciliation report so I called on XXXX XXXX and was told that the lien release would be sent shortly and that I would get a {$60.00} refund. I did get the lien release notice a couple of weeks later but have not received the reconciliation report or the {$60.00} refund. Sounds like B of A is up to their old tricks again.

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 2016-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This debt was a result of identity theft and I have not only informed Bank of America, but I have been in contact with the FTC and the FDIC and recieved a packet of information that I am sending relevent information as well as a file from XXXX. I know you were notified that XXXX blocked your account and you choose to break the law as defined by the FTC.

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 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive.

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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Prior to XXXX XXXX, 2016, I had a balance of {$11000.00} on my BOA XXXX credit card. 
On XXXX XXXX, 2016, I paid BOA {$11000.00} to clear my balance to XXXX. 
On XXXX XXXX, 2016, BOA charged me {$84.00} in interest. 
I object to this {$84.00} because my balance was XXXX out eight days prior to this charge.

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 2016-01-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I settled a debt with Bank of America/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has committed fraud on real estate, mortgage, or Deed of Trust by participating in and conducting a public auction and Trustee 's Sale related to a XXXX balance Deed of Trust on XXXX XXXX, XXXX. 

Bank of America has admitted no balance is associated with the XXXX Deed of Trust associated with this account after recording a Notice of Default ( NOD ) and before recording a Notice of Trustee Sale ( NTS ) and proceeding to sale at public auction. 

Bank of America has foreclosed on a zero balance Deed of Trust all the while claiming a default of forty-five months at the time of sale while intentionally omitting the facts surrounding their actions to explain how such a representation to me and the public of a default, that includes principal, interest, fees, and costs of collection associated with the defaulted XXXX Deed of Trust. To date, Bank of America has not made any attempt to explanation their decision to proceed to foreclosure and begin foreclosure processes as evidenced by their submitted responses to CFPB complaints related to the matter. 

Bank of America has charge me prinicpal and interest since XXXX to pay off the XXXX XXXX Deed of Trust which conveys the down payment assistance I qualified for under the State of California 's HEAP program. However, Bank of America never forwarded the monies charged to me in XXXX to the State of California, XXXX, but rather continued to collect both prinicpal and interest through XXXX for the XXXX Debt conveyed through and associated with the XXXX XXXX Deed of Trust. Additionally, Bank of America also collected monies from a bona fide purchaser ( BFP ) on XXXX XXXX, XXXX that included the current pay off amount of the XXXX XXXX Deed of Trust. It should also be noted my real property associated with this account was used as collateral to secure the XXXX XXXX Deed of Trust as evidenced by the XXXX Financing Statement and Assignments of Rents recorded in XXXX at the time of loan origination. 

Bank of America has not collected, applied, or accepted any monthly installment payments under the terms of the XXXX Deed of Trust and I have not offered, tendered, or have caused to be applied any monthly installment payments under the terms of the XXXX Deed of Trust sine XXXX XXXX, as declared since XXXX XXXX forward. 

Bank of America is guilty of Dual Tracking, a practice prohibited by law, as I have not received any written determination, as required, on appeal from the Bank of America Appeals Department based on their XXXX XXXX Appel Report to date. Therefore, Bank of America has no authority to cause to be recorded a NOD, NTS, proceed to Trustee Sale at public auction, or otherwise complete the sale transaction resulting from Trustee 's Sale. 

All previously mentioned resolutions are desired and mandatory,

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 2016-08-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am an XXXX of the XXXX. I have been unfortunately been receiving credit card offers since graduation from Bank of America under the guise of XXXX. I consider these mailings to be predatory in nature, but unfortunately the CARD act seems to allow them. They do require the XXXX to post details about its financial compensation on their website, while they do have an informational page that essentially amounts to advertising, the link they provide to the disclosure simply leads to a credit card application through Bank of America, this seems to be a clear violation of the CARD act. ( XXXX ) - website

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am registering this complaint against Ditech LLC. We had a loan with this company which was paid off on XXXX/XXXX/2016. They sent a check for the escrow funds they were holding in trust. However, the check was payable to myself and my husband who had passed away. I contacted them regarding this matter on XXXX/XXXX/2016 ; and was advised to return the check and send an original certified copy of his death certificate to the address in XXXX XXXX, Minnesota attention loan servicing - escrow. The check and the document was sent on XXXX/XXXX/2016 by USPS priority mail which was received by them on XXXX/XXXX/2016. On XXXX/XXXX/2016 I contacted by phone and the customer service representative stated the check and document had been received and to call back in 7 days. I contacted their office again on XXXX/XXXX/16 and was told I needed a probate affidavit ; asked why did they not tell me that in the last XXXX calls. On XXXX/XXXX/2016 I sent an " affidavit for collection of personal property under California probate code XXXX '' which was notarized along with a cover letter via USPS priority mail. The items were received XXXX/XXXX/2016 at the same XXXX XXXX Minnesota address. I have since contacted their customer service representatives and supervisors in Texas and South Dakota to no avail. On XXXX/XXXX/2016 I spoke with a customer service representative in South Dakota who referred me a director XXXX XXXX who requested I send an email with attachments of the documents ; which I did and a cover letter requesting she contact me and advise she did receive the email and documents. I have attempted to reach her on her private line and all I ever get is her voice mail. On XXXX/XXXX/2016 I contacted the Customer service department again and the customer service lead stated she would have XXXX call me back on Monday XXXX/XXXX/2016. This never happened. I have called the direct line several times since only to get her voice mail. I did notify her on the last XXXX messages that I would be contacting the " CFPB '' to report this situation. This company lacks in customer service skills, follow thru and follow up. I want my escrow monies ; I paid them in good faith and followed their instructions. I have asked on numerous occasions if they needed anything else from me and no one has said a word.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX 2015 I received a letter from a collection company regarding a bill for ambulance service with the City of XXXX. I offered to set up monthly payment arrangements of {$30.00} a month and the balance was {$250.00}. I gave them my banking information to debt my account each month for {$30.00} until the balance was paid. The agreed that this payment arrangement would avoid the account from being reported to the Credit Bureau ( s ). I never heard anything else from the collection company. I received an email that I had a change in my credit report and discovered that, despite our agreement, they reported the account to XXXX. I called the company and they were not willing to remove the negative reporting on my credit report.

Company response to consumer: Closed with explanation