vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Our mortgage was acquired by Bank of America when they purchased Countrywide. 
We had a modification in 2012 due to the DOJ National Mortgage Settlement. Part of the modification agreement stated that any escrow amount, or interest that was past due before the effective modification date of XXXX would be added to the principal balance. There were accounting errors that left a negative balance in our escrow account prompting a significant increase in our monthly payment. I reported the error to the law firm that represented BofA, to the customer service rep ( not there anymore ), the Post Modification Dept., Escrow Dept. etc. etc. with XXXX remedy. I was told the only way to clear up the concerns would be to apply for another modification and resubmit all the documents again. Feeling like I did not have another option and the Bank was now not applying my monthly payments b/ they were not " full '' payments, I sent in the modification packet. I received the same type of run around with missing documents, new customer service rep 's, etc. and was ultimately turned down. I appealed and the appeal was turned down. Extremely frustrated, I stopped making payments and was attempting, yet again to reach someone that could make a decision. My loan was then transferred/ sold to XXXX in XXXX. XXXX was missing several documents and was not able to tell me the terms of my loan etc. I have to date sent XXXX 3 Qualified Written Requests per RESPA with one late vague response that did not answer my concerns. I have been in contact with XXXX repeatedly. I have stated that I am still waiting for the documents I have requested showing that they have legitimate rights to collect my payments. I also would like documentation of the transfer agreement and proof that the trust XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX is the true owner/holder of our original note. 
I find the fact of BofA pooling and selling off XXXX of dollars of distressed loans to be unsettling. I have reached out to BofA to obtain more information without resolve. XXXX XXXX has now filed foreclosure complaint. This seems to be a way for BofA to avoid addressing the issues with the toxic Countrywide loans.

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 2016-06-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One is requesting a high minimum payment of XXXX, the account is past due and has been, which I understand. However, this amount is too much to pay and is more than my weekly paycheck, it will have to be lowered. I did attempt to have this amount lowered by speaking with numerous reps, all were in the collections dept. They are more interested in making a payment arrangement than actually lowering amount due, an arrangement is just to get some payment out of me regardless if any additional fees or assessed. Please advise them payment amount will have to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX sued me over a disputed debt that they claim I owe to them via Bank of America , NA. They did let me know about the suit. I responded pro se with and answer and counter-claim. XX/XX/XXXX, they won a summary judgment against me based on my not answering their Requests during discovery. I could n't afford an attorney, could keep up, got lost in the legalese. Based on the Judgement for over XXXX, they are trying to garnishee my wages. While preparing to challenge that, I stumbled across your website and the XX/XX/XXXX Court Stipulation directing XXXX XXXX XXXX how to proceed. In my case, they have violated that agreement. In my case, they are still 1/ Intimidating consumers with deceptive court filings 2/ Introducing faulty or unsubstantiated evidence. In my case, they only had to well-worn photocopies of checks that I 'd written to Bank of American ( Not Bank of America , NA ) There was also nothing to show the chain of title from the purported " original '' debt holder to XXXX for Bank of America , NA. 

The statute of limitations on debt accounts is 4 years and 6 years on written contracts. 

This action was filed against me on XX/XX/XXXX and the order rendered XX/XX/XXXX. Both of these were beyond the 4 or six years after I had severed my relationship with Bank of America. 

I also believe that the attorneys have become " judgment collectors '' and as this is a continuation of their ill-advised and illegal practices. 

I have a hearing in the morning about garnishment of my wages based on this bogus judgment awarded based on procedure and not on evidence. 

I 'm now trying to get the summary judgment set aside ( again as pro-se. Still ca n't afford an attorney ), so that they will be forced to " prove their allegations, '' and to conform to the XX/XX/XXXX Consent Decree signed by Federal Judge XXXX XXXX. 

Any help you can give in this matter would be greatly appreciated.

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 2016-06-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Trying to sell a home that is part of an estate that I am personal representative of. Working with a title company have a cash buyer and bank of america wo n't release the deed until 60 days after payment has been made. Basically blocking me from sale title company has been working with them for over a month were suppose to close last month and have gotten no where they are close to foreclosure. The amount of the sale would pay them off in full meanwhile bank of america is charging more interest, penalties, and taxes. Loan was first a Va land contract and payments were made threw countrywide. Bank of america bought them out and now state is a mortgage payment.

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 2017-02-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2016 I transferred payment to XXXX XXXX XXXX for payment to our vendor XXXX. I was not aware our vendor had closed the account with XXXX. XXXX has not returned the {$4100.00}.

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 2017-01-19 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: WI

Complaint narrative:
Navient conducted a financial statement to measure whether or not I would be eligible for greater payments at this time. At the end of the statement the woman said, 'it looks as if you have - {$400.00} each month, so how would you like to pay? ', after clearly stating I wo n't even be able to afford groceries this month. The calls from Navient NEVER stop, whether I set up payments for a future date or not. They frequently harass my consigner and I with rude comments, telling my father I said things I have n't and vice versa. One afternoon, they called my father at work ( after I had already set up a future payment ), demanding he pay immediately and he kindly said 'No, I need to talk to my daughter first to see where she stands ' and the woman replied 'so you are refusing to pay? ', he said 'no, never refusing to pay, I just need to see where my daughter stands financially first '. She went back and forth with my dad until the conversation was unbruptly ended by my dad who said she was one of the rudest, most demanding woman he had ever been in contact with. She immediately called me after their call ended stating that my consigner refused to pay and that I must submit a payment immediately to avoid default. I scheduled a second payment because we were threatened with default, which I had to take a cash advance off of my credit card because I did n't have anymore money to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: OH

Complaint narrative:
I am receiving emails with other individuals personal loan information from my student loan servicer Navient. When I tried to research their Privacy statement it is mostly directed to sharing information to third parties. I believe it has to be some kind of breach of privacy if I am receiving other people 's emails and makes me wonder who is receiving my personal loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Case no. XXXX in the XXXX circuit court of appeals. This is the Tila rescission case XXXX vs XXXX XXXX, which the CFPB filed a previous amicus brief regarding statute of repose, and the three year limitation on filing rescission.As you already know, the scotus ruling on XXXX vs XXXX, did away with the falasy that a person was time barred from having not filed a law suit to enforce rescission within the three years. Attached to the XXXX case, was XXXX vs XXXX. We were reversed and remanded back to the appeals court, which remanded back to the district court, and Judge XXXX XXXX. After both parties moved for summary judgement on the issues, the ruling went like this. Summary judgement was granted to the XXXX party, because the judge believes we could not Rebutt the presumption of delivery of documents. He completely ignored the precedent sent in the eighth circuit in XXXX vs XXXX, and the ruling in XXXX, and XXXX.. He also ignored the plain language of scotus, in that rescission is " effected upon notice '', and allowed the bank the vary the statutory sequence of rescission, by not responding within 20 days. He also ignores the numerical violations in the disclosures themselves, that prove we had rescission. We are appealing his ruling of ignoring the 20 day requirement of the bank not taking action to rescind or seek judicial guidance. Ignoring this rule waves their tenable defenses. Judge XXXX treated us with hostility, at the same time was extremely polite and accommodating to the banks attorney. We feel there is a clear bias displayed here, and would like to get the CFPB 's assistance regarding the clear defiance in the eighth circuit toward Tila Rescission.While this case was playing out, the bank moved for foreclosure in the state court. We rescinded this loan in XX/XX/XXXX, and file suit in XX/XX/XXXX to enforce rescission. We have gone all the way to the Supreme Court to enforce our rights, only to be remanded back to a judge who refuses to accept rescission as a valid consumer defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Good afternoon, I recently made two balance transfers to my Bank of America World MasterCard in XX/XX/XXXX. I received a special offer for 0 % interest through XX/XX/XXXX in a direct mail offer which also referred me to the website to complete the balance transfer. I completed the transfers online after selecting the offer of 0 % through XX/XX/XXXX. Upon receiving my most recent statement, I recognized that the balance transfers are not reflected under any special promotion. The transfers are under terms for a 14.99 % APR. I contacted BOA at XXXX. I was told by the Representative that there were no special offers associated with my account and that there had not been in over one year. I told him that I never would have transferred balances to a card with at 14.99 % APR. I shared that I felt this was a deceptive practice and a UDAAP violation. I told him I felt like I had been tricked into transferring balances to BOA with the understanding of a 0 % APR until XXXX and am now incurring an interest fee of {$120.00} per month. He said there was no promotion offered and there was nothing he could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I noticed a charge on my credit card account : XXXX for the amount of {$39.00}. I did not recognize this business and discovered that they are in the business of computer games. I did not ever contact this business nor solicit and computer game from this or any other company. 
I called Bank of America, my credit card company, and disputed this charge. The amount plus interest was credited back to my account on XX/XX/XXXX. 
On XX/XX/XXXX I saw there was a credit back to XXXX for {$39.00}. I again contacted Bank of America and was told that BOA believed the company charge was legitimate since they said they had my e-mail address. I again persisted that this is a fraudulent charge and the amount plus interest was credited back to my account. 
On XX/XX/XXXX I wrote Bank of America to put my concern that this company was using stolen/hacked personal and credit card information from me in an attempt to bill me for a product that I never requested. 
On XX/XX/XXXX I received a letter from Bank of America that was dated XX/XX/XXXX in which they affirm their position that the sale was legitimate since the company provided a bill of sale that had all of my personal information and credit card number. ( A month to receive a denial letter from the bank ). NOWHERE IN THIS LETTER IS THERE ANY CONSIDERATION GIVEN TO MY STATEMENT THAT THIS INFORMATION WAS STOLEN/HACKED AND IS BEING USED WITHOUT MY AUTHORIZATION. 
Further, a google search of " XXXX XXXX fraud '' brings up XXXX web sites where numerous people have complained about this company for being charged for products that were never ordered and for which they were repeatedly billed each month. 
I believe, without proof positive, that my name, billing address, e-mail, and credit card number, expiration and security code were stolen/hacked the day after I made an online order with " Reloading Unlimited '' This was the only out of the ordinary business with which I conducted business with and coincided with the appearance of this fraudulent charge from XXXX XXXX. 
I did receive an e-mail from that company but I never opened it nor used the access codes they say they provided in that e-mail to activate the game. Apparently Bank of America did not ask in their " investigation '' if I ever actually used the game or link they allegedly provided. 
Simply because they send me an e-mail with an unsolicited product does not translate to a conclusion that the order was legitimate and executed by me. MY INFORMATION WAS STOLEN/HACKED AND USED BY THEM WITHOUT MY PERMISSION. This Company is in the business and has a history of charging peoples account for products they never ordered.

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 2016-06-05 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:
I called Bank of America customer service on XXXX XXXX, 2016 and was told my wait time would be XXXX to 8 minutes. I was on hold for 25 minutes before I finally gave up and I hung up the phone. The next day ( XXXX XXXX ) I called the same customer service number and again they said it would be XXXX to 8 minutes and I was on hold for over 15 minutes before someone answered the phone. This lack of access and disrespect of customers should be addressed.

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 2017-02-25 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:
Hello, I have been having trouble with my loan provider, Navient. They continuously change the terms on my account claiming lower monthly payments. Yes, this sounds tempting but I never made such request because I do n't wish to be pulled into paying more interest. They also place my account into deferment which then turns into an automatic capitalization fee. I am enrolled in school but do not wish to be in deferment because I CAN make my payments. I call to remove account from deferent and they do so but still leave their fee saying that fee is government mandated and it cant be removed. And finally, interest and principal allocations always vary every month. One month {$180.00} can do to principal, next month only {$60.00} goes into my principal. I am extremely confused with how this company allocates my money and will I ever finish paying my loans if this company is trying to keep in wrapped up in just paying interest. I have never missed any payments, give more than I should to finish paying early but it just seems like this company does n't care for me just my pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I always make my monthly payment online from navient.com, but when I tried to make my XXXX 2015 payment, I was unable to log in to my account online, due to some kind of " legal '' issue. Not knowing why I would be locked out, I tried calling the number given. No answer. So I attempted to call multiple different numbers until I got through to a person. I was then asked if I was involved in any type of " legal mitigation, such as a bankruptcy '' which I am not, and never have been involved in any type of legal activity, but this was the reason I was locked out of my account online. 

After I told the rep that I was not in any type of legal mitigation, I made my payment over the phone and they were going to work on getting my access back online to make future payments. About two weeks after making my payment over the phone, I received a late notice, saying I missed my XXXX 2015 payment. Well, it was actually mis-applied by the rep. as I paid the full amount that was due for XXXX 2015. 

I have called, emailed, faxed my issue to Navient and it is STILL not corrected. It is a simple payment correction. I have actively been trying to get this corrected for weeks now and I am getting nowhere with Navient. I was trying to get my XXXX payment corrected before I made my XXXX payment, so it was not mis-applied as well, but since the issue is taking so long, I went ahead and paid my normal monthly payment for XXXX 2015, so please ensure it is posted correctly as well. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: KY

Complaint narrative:
I received the attached letter dated XXXX XXXX, 2017 from Jefferson Capital Systems , LLC advising I owe XXXX {$780.00} and they will accept {$310.00}. I have no idea from this debt arises and this is a third-party vendor attempting to collect a debt. I believe it is invalid due to the Fair Consumer Protection Act and the Federal Trade Commissions ordinances and laws to protect consumes from such predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I paid {$150.00} for 3 months of forbearance and only used one month. I was told to call when i was ready to use the remaining 2 months as I had already paid for them I would n't have to pay again. They are now passing the phone around to other people in the office and laughing at my request. They are telling me to pay another {$150.00} for another forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
XXXX of full payment of debt agency is keeping account open and reporting to credit beareau and also did not send closure letter even after 1.5 months from receipt of payment

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