vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a supplemental complaint ( in reference to CFPB complaint number XXXX ). I just received an email from Bank of America asking me to settle the debt again. This debt was supposed to already be settled, and now this company while reporting that they are looking into the inconsistencies of my account and requesting a 60-day extension they are trying to settle the debt a second time for the remaining amount that was already settled. 

This company completely disregarded my concerns and my initial complaint and attempted a round-about way to try and obtain more money from me, money for the difference in amount of the first settlement. Additionally, this company charged off my account - after settlement for {$3800.00} less than what was previously owed. Now they are trying to settle the settlement difference, while my account is still charged-off and negatively impacting my credit score unjustly. 

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the 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 non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has really destroyed our lives. We have been renting since my agency relocated us about 5 years ago and they have adversely blocked our ability to get a mortgage because of what and how they report what occurred. We tried to sue them in Federal Court which was very expensive and we lost. We have begged them to look at the file to see how their third-party vendor made us loose valuable benefits from the agency that would have allowed us to purchase our new home here in MD and sell our home as agreed. Because it was an agency purchase which required date-certain movement which, again BofA and its vendor agreed to, we were penalized through no fault of our own. The agency purchaser due to XXXX regulations could not consummate the sale beyond the date set for closing. We could not contact BofA or their vendor. We had already commited to move-in via an interstate move. It was all coordinated but BofA did not hold their side of the transaction. Closing documents were signed, purchase price was agreed, and because of confusions and changing characters in BofA, we lost heavily. We lost all of our equity in our home but the short sale as agreed was only about {$10000.00} less. We had maintained the house as best we could while we sued BofA but then we could not do it any longer. Then in the middle of litigation we were forced to sign a settlement agreement with another lender who worked for BofA to forestall foreclosure. We were just wornout from litigation. It began as an agency paid relocation and BofA failed us and cost us the loss of our home and benefits. We would like to take advantage of the offer afforded consumers in the wake of BofA 's historic settlement but do not know how. FOR NOW, we would just be satisified with them removing the erroneous reporting which prevents us from getting a mortgage, showing us to be 120 days late when we did n't even have a mortgage with them. We tried to modify our mortgage to include the yearly escrow taxes and the servicer ( Home Loans ) told us to hold our mortgage payments for four months ( like they told many people ) in order to do it. To our loss, the modification did occur and allowed us to include our taxes but left this on our record. That was Home Loans, it was not BofA. They have destroyed us. We ca n't get a home and it always comes up as if we foreclosed. We never did. We pay hefty tax bills and are stuck and no one, not even the courts, would listen to us. We were pro se because we were.

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 2016-11-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX 2010 we filed an official application for HAMP with Bank Of America and provided some XXXX pages of documents with the application.For an entire year, even though they confirmed receiving the documents each time, they continually lost our file. And they continually gave us false information about the HAMP Program.Then they sent us to another dept. and did a HARP refi and told us it was a prerequisite to HAMP-the refi cost us {$8000.00} in closing costs and did not lower our payment enough to stay in the home and we defaulted.When we reapplied for HAMP they told us the HARP refi made us ineligible for any further modification with HAMP-the opposite of what Bank Of America told us.Now we are facing foreclosure and have no modification programs available to us because Bank Of America cheated us out of getting in the HAMP Program and sold us the worthless expensive HARP.

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 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a mortgage through Chase Bank. I sold the house in XX/XX/XXXX through a title company and realtor. Chase did not apply the funds to the account appropriately, so the account remained active and open. I realized this in XX/XX/XXXX. After a large number of attempts to resolve the issue via phone, fax, email, in person, attorney, etc., the account was finally closed in XX/XX/XXXX ; however, Chase damaged my credit score throughout the 16 month process since they showed the home in foreclosure. They closed the account without me making another payment on the house since XX/XX/XXXX. Chase owes me money out of the escrow account, an apology, and a repaired credit score as I am being turned down for credit I would otherwise get if they had carried out their fiduciary responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has failed to comply with repeated requests for a loan pay-off statement. 

Bank of America has blocked me from their website for information regarding my mortgage status. 

Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: CA

Complaint narrative:
Since Navient took over XXXX XXXX, I 've had MANY calls that would resolve with certain things being in place, only to find out later that week, month, or following weeks later, that the information I was given was not correct ( learned through yet another call ) and then I 'd have to pay back fee 's to get 'caught back up ' and then I can be helped. That cycle would repeat itself, for various duration 's depending on the previous outcome. Example, I wait a month or two to get a collection of money and pay all back up again. I got the last resolution to be the most stable. I paid off one loan in lump sum ( ouch ), got a flat rate reduced payment plan for 15 months, so long as I never pay late or incomplete. So I had to get into an auto-pay program. Things are ok now, but getting the run around for years and paying up front costs to get into different programs would only be 'good ' until the website said I owed hundreds more dollars that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: NJ

Complaint narrative:
On XX/XX/2016 my checking account at Bank of America had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Bank of America, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!

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 2016-05-04 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: IL

Complaint narrative:
I have had this loan since XXXX of 2008. Which I had gotten through XXXX XXXX, consequently Navient bought the loan. I 've just discovered that I am being charged an interest rate of 35 %. My loan documents show I should be charged an interest rate of 11 %. If I had not been loan sharked this loan would have been paid off years ago. The initial loan was for {$3500.00} plus interest. 
I am also not getting correspondence from the company but they are harassing my co-signer with letters and phone calls monthly. He has to email me the letter they keep sending him. I 've enclosed a copy. I do not live with him and do not know why they included my name under his address. 
I have provided a copy of my profile on their website proving they have my current mailing address and phone number. I will be sending a copy of this complaint along with all other documents included to Navient as well. 
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.

Company response to consumer: Closed with explanation
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: NY

Complaint narrative:
I have federal loan payments through Navient. I have had this for two years now. The first year everything was fine. I submitted for pay as you earn payments and it was good at the beginning. At the XX/XX/2016, I filed my taxes and submitted the forms ( just like I had done the year before ). After not receiving any reply I called them two weeks later and they told me they never received the information. Which seemed strange to me since I had already done this the year before. Because the payment was extremely high and I was not making much money at the time, the woman working for Navient told me I should put my bill in forbearance. Although I did not want to do this, I also did not want to make a payment that was way higher than I should be making. I resent the information to them and again after not hearing any reply from them I called them three weeks later and they told me ( again ) they never received the information. I told the representative that is must be on their end that they are not receiving it and she told me that I should try to do it online. Again she was extremely quick to want to throw my loans in forbearance and told me that there is no penalty for doing so, that it was just tact onto my payment duration on the end of the loan cycle. After already being through 4 months of the XX/XX/2016 year I tried doing it online. And AGAIN, after not hearing any response I had to call them and they told me that I submitted the forms wrong and had to do it again. At this point I knew something was wrong because I did not do anything wrong I triple checked everything to make sure. She told me that the only option we had was to put it in forbearance again. Thinking that there would be no penalty I agreed to do so until they figured out what was going on. The fourth time I tried it I never received a reply and could not get ahold of anyone. They constantly switched me back and forth to different departments and I received no answer. I then went to look at my account and my original loan of XXXX was now it is thousands of dollars higher than what it was. I had no idea what to do because I can not get my forms through to this company and they just keep avoiding helping me. I saw online yesterday that Navient has a lawsuit against them and I read thousands of other people are dealing with the exact same thing. So they have tacked on thousands of dollars to my once original XXXX, and have lied to me about not receiving my information. At this point I am stuck and have nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 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: IL

Complaint narrative:
My request for a payment plan, for my private student loans through Navient, that would result in lower monthly payments was denied. There is no literature that is clearly and plainly available to borrowers describing the terms and limits of repayment options, which leaves borrowers confused and with little to no recourse if their request is denied, as mine was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America 's representative and short sale negotiator, XXXX XXXX, and her supervisor, XXXX XXXX, continue to create unnecessary delays and roadblocks to stall the process of the short sale offer review we have file XXXX behalf of the borrower, XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. XXXX XXXX has suffered loss of job and income due to the ongoing financial crisis in our area and Bank of America seems determined to punish her for her hardship. The excess of pettiness in the demands from XXXX XXXX and her supervisor is beyond any other interactions I have had with Bank of America representatives in the XXXX years have been working with Bank of America in the distressed housing market. I can not believe how ridiculous and nit-picky they are with this file, exceeding all previous transactions I have worked on. I believe there is a personal vendetta or bias on the part of the Bank of America representatives toward the borrower and/or towards me as the legal representative of the borrower. I have requested that Bank of America replace this person but they refuse to. In the latest episode the bank 's representative has put the short sale process on hold while they have demanded an impossible to complete task regarding a change on one of the listing agreement addenda. They are demanding that the change and correction of the listed sale price be initialed by Seller and Buyer. In Oregon, as I am sure the Bank of America XXXX know, it is not permissible for the listing agent, me, to share any of the listing agreement documents with the Buyer or the Buyer 's agent. That is a violation of the fiduciary duty of confidentiality that I have with my client. So, I am put inn the position of being required to complete a task I am not legally allowed to complete. This is just wrong, and petty and unnecessary as well. This is just one example of the lengths that Bank of America and it 's representatives are going to in order to, apparently, stall the process of the short sale until they can force this loan and property into an unnecessary foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The complaint is with XXXX XXXX and Navient and has XXXX distinct partsServicer Issues:1. The servicers had discussed my loan issues/represented a negative connotations about my loan to family members in order to embarrass me. 
2. Threatened that i would be sued and my wages would be garnished and liens on my property3. Blammed me for the situation I was in and got very confrontationalPredatorial Lending:1. Material changes to my loan were done without fully informing me of the ramifications as I as bullied to accept the new payment schedules for fear of legal reprisal. 
2.I have filed a formal debt dispute and they are still contacting the co-signer saying that it is not applicable to themLastly and this is the kicker -- I was on a repayment plan with them, provided them with my CC and Bank info and they just stopped taking payments. According to them the payments would n't go through however there was money in the account. every time the due date rolled around. The purposely tried to default this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
To date I have sent XXXX letters by certified mail to Navient requesting validation of the alleged debt pursuant to the FDCA and FCRA so that I may settle the matter in full. XXXX letters also requested that Navient cease and desist all communication unless by mail, and a point by point response to my validation letter as required by law. To date Navient has chosen to ignore both letters, and continues to harrass the alleged cosigner and myself with an average of XXXX automated and/or hand dailed calls. Navient seems to need some assistance in understanding TITLE XXXX & gt ; CHAPTER XXXX & gt ; SUBCHAPTER XXXX & gt ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC
State: MD

Complaint narrative:
False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. 

The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. 

On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. 

I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation