vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 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 represented to me multiple times and as recently as XXXX XXXX, XXXX the assigned dedicated single point of contact ( SPOC ) issued the Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) denial letters on appeal. This is in violation of MHA HAMP guidelines and the National Mortgage Settlement ( NMS ) enforced by the Consent Judgement Order of XXXX XXXX, XXXX. Just to be clear, the SPOC may not conduct reviews on escalated cases including, but not limited to, appeals and incorrect denials upon completion of an initial review. 

On XXXX XXXX, XXXX Bank of America represented to me my home and property has been sold on XXXX XXXX, XXXX. This must refer to the Trustee 's Sale at public auction of XXXX XXXX, XXXX. I have informed Bank of America of my continued property occupation and possession prior to the recording of the Notice of Trustee 's Sale ( NTS ) and sale date through a claim of right and by color of title, and virtue of property tax payments for sixty continuous months, concurrently. 

All previously mentioned resolutions are desired and mandatory. 

Causes of Action and applicable state and federal law : 1 ) Intentional infliction of emotional disstress. 

2 ) Negligent infliction of extreme emotional disstress. 

3 ) Fraudulent infliction of gross emotional disstress and stress. 

4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 

5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 

6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 

7 ) Unfair, poor and deceptive practices. 

8 ) Mortgage negligence. 

9 ) Mortgage fraud. 

10 ) Modification negligence. 

11 ) Modification fraud. 

12 ) Foreclosure negligence. 

13 ) Foreclosure fraud. 

14 ) California 's Unfair Competition Law ( UCL ) Claim. 

15 ) Privacy Act. 

16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 

17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 

18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) ). 

19 ) National Mortgage Settlement ( NMS ). 

20 ) California Homeowners Bill of Rights ( CalHBOR ), California Civil Code Section 2920 - 2944.10. 

21 ) California Business and Professions Code. 

22 ) Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. 

23 ) Making Home Affordable ( MHA ) Act. 

24 ) Home Affordable Modification Program ( HAMP ). 

25 ) Rosenthal Act. 

Continued in Desired Resolutions portion of complaint.

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 2017-04-03 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: NJ

Complaint narrative:
I originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... 
Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: TX

Complaint narrative:
I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns.

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 2016-10-05 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: TX

Complaint narrative:
Navient is unlawfully pursuing my client, XXXX XXXX XXXX XXXX, after being notified as far back as XX/XX/XXXX, that his alleged signature on the promissory note is a forgery. By letter dated XX/XX/XXXX, Navient sent XXXX XXXX a letter stating the account is now under review for litigation. Total amount owed is {$8500.00}. Forgery is believed to have been committed by XXXX XXXX 's ex-wife, XXXX, who took out student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America XXXX. XXXX XXXX was the XXXX lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX saying they had the loan now. We disputed the validity of this debt. XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX ) that foreclosed on homes and should not have.

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 2017-01-29 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: FL

Complaint narrative:
I had an account with Bank of America , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Bank of America. I sent BOA a dispute, and they simply sent a form letter stating that their " records confirmed the information is accurate ''. They gave me no proof and no indication of their " records '' or how they obtained their decision. They are violating the FCRA and this is damaging my credit.

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 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX XXXX did n't explain the loans and did n't tell me about the loans being private. they also told me that I could pay {$25.00} and there was nothing that could be done to me which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: CA

Complaint narrative:
Consistent misallocation of payments, resulting in frequent past due notices and late fees. All attempts at resolving the issue with Navient have failed. I have a year of statements proving our payments were made on time, and that Navient cashed every check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went into the Bank of America branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.

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 2016-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient Solutions is reporting multiple items on my credit report that I did not receive from them nor did I agree Navient to pay. I contacted both Navient and the XXXX credit bureau which are reporting these fraudulent items and neither will send me the contract with my signature which I requested. I have asked numerous times and received nothing. By law these items must be removed. I will be filing a complaint with the XXXX as well as filing a lawsuit against Navient and XXXX if these items are not removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We filed a claim the other day due to the way we were treated by Bank of America when my brother and I went to obtain our money as POD 's on our dads account. That is case # XXXX. Today I received a call from XXXX XXXX at Bank of America, phone # XXXX ext XXXX to try to resolve the cfpb claim. XXXX XXXX did n't know my dad 's name, account #, dob, or SS #. She asked that I give her the information to which I refused. This adds insult to injury that Bank of America would have the audacity to call me with the intent of resolving a claim through cfpb without having researched the claim or the need for the complaint. In am infuriated and insulted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It recently came to my attention that last year I was placed XXXX by Bank of America. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Bank of America told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Bank of America again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Bank of America asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: CA

Complaint narrative:
Having continued economic hardship, ca n't repay loans. Student Assistance XXXX called me directly in XX/XX/XXXX stating they wanted to help, said I qualified for a 30 day forbearance which I accepted, then was assured I could resume payments of {$130.00} XX/XX/XXXX ( after I received a 401k Loan - yes took a loan from my 401k to resume payments ), without penalty, and any past due amount would be made current, and the loans would not go into default. Was assured the IBR was accepted at {$130.00}. Then I logged into Navient 's site and was advised the IBR rate doubled, and they could not honor Student Assistance 's agreement, due to my tax return for XX/XX/XXXX increasing by $ XXXX. I advised Navient that I can not afford anything over the {$130.00}, and understand I owe these loans, but need help by keeping the payment at {$130.00}. I asked them to work with me, as a divorced single mother raising a XXXX child on XXXX income with no child support. They suggested I reapply for an IBR which I did on XX/XX/XXXX submitting XXXX paystubs ( per their request ), I also made a payment of {$130.00} on XX/XX/XXXX ( as promised ), but today ( XXXX/XXXX/XXXX ) received a Notice of Delinquency ( {$390.00} past due ) and threat of Default. This is in complete contradiction of what Student Assistance told me ( recorded call ) in XXXX. I do n't know what to do besides default on the loan if Navient wo n't honor the {$130.00} IBR. XXXX. When I call Navient, I am on the phone for such a long time with someone who only reviews the general options for repayment and then tells me my payment would be nearly {$400.00} if I was n't even on an IBR. I can not reach a manager or anyone who will work with me on an individual basis as someone who WANTS to honor my obligation, but just ca n't make a monthly payment over the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My complaint is with Bank Of America. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Bank Of America did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Bank Of America is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial " hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Bank Of America will not allow me to have a {$0.00} balance for 60 days!

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 2016-02-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I made a payment to my Bank of America credit card on XXXX XXXX, XXXX for the amount of {$99.00}. BOA processed the payment to an incorrect account, a " XXXX '' was included to my already saved account number. After this I did not received any letters notifying me of the return payment. The next month I was charged and additional {$25.00} for the " missed payment '' and my granddaughter and I called called customer service on XXXX XXXX, XXXX cancelled the account. At that moment we made the payment in full of the account for the amount of {$180.00} and were told no we had no pending balance. Next month {$1.00} were charged for " minimum interest charges '' on an account that was closed. BOA made an unauthorized charge of {$1.00} to the account that was return " unpaid '' and send me a letter notifying me that the payment was retuned and that additional fees associated with the transaction were applicable. An additional {$1.00} charge was included on my billing statement of my already closed account. Today I made a {$3.00} payment to cover this charges, because I do n't want my excellent credit history damaged by this situation.

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