vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 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:
Upon receipt of a timely requested appeal, Bank of America GRANTED a Making Homes Affordable Home Affordable Modification Program ( MHA HAMP ) as evidenced by the Appeal Report if XXXX XXXX, XXXX issued by the Bank of America Appeals Department. The home loan account and borrower were directed to a HAMP Trial Payment Plan ( TPP ). Obviously, this never happened. What did happen is as detailed below. 
The then assigned single point of contact/customer relations manager ( SPOC/CRM ) XXXX XXXX issued two MHA HAMP DENIAL letters. The first is dated XXXX XXXX, XXXX, two days before the date the Appeals Department issued their determination, and the other dated XXXX XXXX, XXXX, XXXX days after the Appeals Department issued their determination. These documents are not modification denials on appeal issued by the Appeal Department. The creation of modification or loss mitigation approval and denial letters are not under the purview, duties and responsibilities of the SPOC/CRM. The job of the SPOC is to provide the information collected from the various departments who originate, establish, control, maintain and determine data, documents and decisions related to the modification and loss mitigation processes. 
Bank of America has been paying the XXXX ( XXXX ) insurance for this property and account since XXXX. This year, Bank of America decided not to pay the XXXX portion of the property insurance and have refused to pay it after I made several written requests for the Bank to do so immediately. An authorization to pay the XXXX insurance out of the escrow account associated with this home loan account has been provided in XXXX, prior to the first payment, but after the last mortgage payment I made in XXXX XXXX. By paying the property taxes and all insurances, Bank of America has firmly established a clear and long-standing practice to do so and to continue to do so without interruption and timely. 
Furthermore ( and for informational purposes only ), I was notified the account is in active foreclosure. Since no MHA HAMP has been formalized or finalized after the date the MHA HAMP was granted on appeal, the modification process has not been completed and, therefore, pending. Duel Tracking is prohibited. Refer to Bank of America document of XXXX XXXX, XXXX that Bank of America provided to me twice. 
All documents provided with this complaint have been downloaded from the Bank of America Modification Status Online Portal from the documents tab. The original document name/number has not been changed.

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 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Update from case # XXXXBank of America has assigned me yet another case manager : XXXX XXXX. I last spoke to home on XX/XX/2015. At that time we agreed that I would re-apply for a home loan modification. He was to send me via XXXX the paperwork and mailer with which to send updated income information and bank statements. As of today, I have not received these document instructions or the mailer. I just tried to make a payment on my account to bring it current and the Bank of America website locked out my new bank information, so I am unable to make this payment for the next 3 days, thereby making my payment 30 days late ( unless I pay a {$15.00} fee ). 
I contacted the HOPE line as included in my Bank of America denial letter. In speaking to XXXX representative over a 2 hour time frame, I was told that I do not qualify for help because I am not late in my payments. I was also told that the option that Bank of America gave to me : a short sale, that I do not qualify for this as I have equity in my property and not " upside down ''. I would think that a banks should know this if they were truly looking at my case. The other option : Deed in Lieu of Foreclosure appears to give the bank all of the assets that I have worked so hard to avoid. 
Bank of America is taking away my ability to keep this property by denying my request for the home loan modification. I do not want to become late in my payments. I do not want to send private documents without some sort of paperwork to support them. Bank of America has placed barriers to my ability to continue paying for this property and appears to want to take the pro cedes of my hard work over the past 10 years. 
Please help me. All I am getting is lip service and time wasting telephone calls with no action. 
I am attaching the letters that I was sent supporting this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took out XXXX Parent Plus loans for my daughter back in XX/XX/XXXX. Over the years payments have been made regularly and I am currently up to date. I sought to renegotiate the terms of these loans because I am now older and can not afford to handle the repayment costs that are about to escalate on XX/XX/XXXX. I am currently paying XXXX for 18 months on XXXX loan, which will drastically jump to XXXX on XX/XX/XXXX. The XXXX loan is at XXXX for 17 months, then it will jump to XXXX on XX/XX/XXXX. This was the only option that Navient Loans would give me. I recently read about a lawsuit about this organization making it hard for people to repay such loans and as a parent who helped his child to have a college education, I will not be able to handle this increase next year. From XXXX per month to XXXX per month for 6 years. I was given no other option but to call back in XX/XX/XXXX to try to get it lowered. I am trying to be proactive and receive help and guidance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: AR

Complaint narrative:
Dear Sir/Madam, My original loan was XXXX of which I only received a portion of books back in XX/XX/1990. Since then I have paid thousands of dollars, reconsolidated and the loan was sold again to navient which have added thousands of accrued interest to it making it a whopping XXXX. My school also violated terms of agreement by ( closing and not providing services as lifetime course entitlement ). If they closed and I 'm not getting what was promised why should this loan continue? 
I am considering a lawsuit as this is unjust and unfair interest practices during deferment and hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We refinanced our home in XXXX XXXX 2015. We were given a payoff amount of {$270000.00}. This should have included the total amount owed to Nationstar. We surprised when we only received a refund check of XXXX instead of XXXX. These funds were in our escrow account for property taxes. Nationstar informed us that XXXX was deducted for MI XXXX in XXXX. Why they are charging us MI for XXXX is unknown if the loan was paid off in XXXX. Furthermore, they took a long time to credit the payoff to our account causing us to pay extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a co-signor on my daughter 's student loans with Navient XXXX XXXX XXXX. We have been paying on her loans, on time for over five years. On XXXX XXXX. XXXX my daughter initiated the paperwork require by Navient to have me released as her co-signor. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX we mailed and faxed all of the necessary documentation to Navient but received NO response from them. On XXXX/XXXX/XXXX I contacted Navient via telephone and was informed that they never received ANY of the documents I had mailed and faxed multiple times. I as then then given ANOTHER fax number, XXXX XXXX XXXX. Again, we faxed and mailed the necessary paperwork on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date we have received NO response, nothing. The monthly bills have ALWAYS been paid on time. When I try to contact them via telephone I am transferred multiple times, left on hold, and often just disconnected. On the rare occasion that I do speak with someone they report that there are NO notes in the system from the MANY prior phone calls. We are need help getting this cleared up, contacting them is pointless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
I was deliberately deceived and steered into using private loans with astronomically high interest rates. I was also steered away from consolidation plans and generally misinformed in order to keep me in an uphill battle against high interest rates on the loans. There are essentially no options made available to decrease my monthly payments or lower my interest rates. With a child on the way, I have no choice but to be subjected to these loans that are near impossible to pay back due to lack of flexibility and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 
I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allgate Financial, LLC
State: CA

Complaint narrative:
I received a judgement in the mail with the plaintiff as " Equable Ascent Financial LLC '' apparently the total amount I owe is XXXX. This is extremely disturbing as I have no idea where this debt has come from. I am currently purchasing a home and because of this judgment we will not be able to close escrow until it is payed off. I have been a victim of fraud in the past and this may be another fraudulent situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited {$400.00} cash in an ATM on Saturday night XXXX/XXXX/16. The machine ate my entire deposit giving me no cash back and a receipt saying to call my financial institution. I called Huntington immediately and a very rude employee named XXXX said there was nothing she could do and that I should call back Monday morning. I called Monday and was told that I should have filed a dispute on Saturday. Now I have to wait 2 more business days for an investigation! What am I supposed to pay my bills with!? I deposited cash for gods sake!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I recieved a refund from a purchase made on a card that is now closed so i had the merchant senf it to my netspend card noe my account is locked and netspend offers no assistance to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I continue to receive charges on my Bank of America credit card for a company I 've never done business with and have never heard of. BOA claims the charge is legitimate based on information the vendor allegedly provided. It 's difficult to see how anything real could have been provided as I 've never heard of this company. BOA bounced me around to 5 different departments, each of whom claimed they could n't help and had to transfer me on. Of course, each person again required all of my information to be given again and all of them were totally unable to help. 
This is a clear case of fraud yet BOA refuses to take action.

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 2017-01-24 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: TX

Complaint narrative:
I have called numerous times to lower my almost {$300.00} a month student loan payment.. due to it being a " private loan '' they could not offer me a different repayment plan. Nor could I put this into forbearance. My husband does not have an income at the moment, and still nothing basically either pay it or they will continue racking up the late fees. This loan was for XXXX XXXX XXXX in XXXX tx

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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 been Dual Tracking me for years unofficially and since XX/XX/XXXX publicly. 

On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me an appeal. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing on a previous MHA HAMP. On XXXX XXXX, XXXX Bank of America forwarded my account to foreclosure. On XX/XX/XXXX Bank of America negligently denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP on appeal. On XX/XX/XXXX Bank of America granted me MHA HAMP and a MHA HAMP TPP on appeal. On XX/XX/XXXX Bank of America fraudulently denied me MHA HAMP through CRM/SPOC issued correspondence and continued to do this through XX/XX/XXXX. In XXXX XXXX Bank of America put a cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America fraudulently reaffirmed the incorrect appeal denial. On XX/XX/XXXX Bank of America removed the cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing during the modification process. On XX/XX/XXXX Bank of America incorrectly caused to be recorded a Notice of Default. On XX/XX/XXXX Bank of America negligently caused to be recorded a Notice of Trustee 's Sale. On XX/XX/XXXX Bank of America fraudulently caused the sale of my home and property. On XX/XX/XXXX Bank of America fraudulently caused the recording of a Trustee 's Deed representing to me and the public my home and property had been sold at public auction. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. 

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 2015-12-21 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:
On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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 issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage.

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