vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I completed heloc modification with bank of america on XX/XX/2015.I noticed the following months that the loan did not reflect my new terms or payments.Bank of America miscalculated my interest and has overcharged me.Bank of america has yet to complete their process. Due to BOA actions and lack thereof it presently appears that I am delinquent for 9 going on 10 cycles and my credit scores has been drastically affected.I have been trying to resolve this since XX/XX/2015.

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 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a victim of the illegal practices conducted by Navient. I was contacted by phone by an automated system letting me know I can request forbearance of my loan and then I was emailed and was asked to reply with a simple " Yes '' in the email if I wanted to participate in forbearance. I have done this 3 times because now I am in a cycle of increasing the interest on my loan and not earning enough money to pay it. I thought the emails were too simple a solution to my problem but I had trust in Navient and their solutions and debt managing. I do n't know what to do but I am glad that they are being sued by the Federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: OH

Complaint narrative:
I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: MA

Complaint narrative:
School : University of XXXX ( XXXX XXXX XXXX, XXXX ) HI CFPB, I just wanted to let you know about my experience with Navient. I have around {$60000.00} worth of debt and pay around {$1000.00} a month to them. I tried to get them to extend my payment schedule or put me on an income based repayment plan, but they refused. Now, I ca n't move out of my parent 's house, ca n't afford grad school, and I am barely breaking even each month. I tried to consolidate my loans through another bank, because I was unable to pay Navient for three months last year. 

Thank you for all that you do. Please help fix this crisis. 

Cheers, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: NY

Complaint narrative:
For years I have been trying to get my cosigner released from my loan. I always pass the pre-qualifcations phase but then when I submit my application its denied. The last time I did this. I was told that they would not release me no matter what and that when my cosigner died they will go after her estate. I have never been late once and have followed all of their rules. My cosigner is XXXX, has no estate, and has never ever had to amek payments. My history of paying this loan is great as well as I make significant income. Today I was told by a customer service person that my cosigner wo n't ever be released even though their qualifications state that i meet them. She said the only way to get my cosigner off is to pay the loan off myself. She was rude and condescending. My statement is vague and I do not believe my balance nor the amount I owe is correct. It says I am paid ahead but I have never heard of such of thing. I also don ; t understand all of the threats when I have always paid this loan on time always.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied a mortgage loan from Bank of America for a town house purchase with 20 % down payment for a XXXX fixed rate mortgage loan. After reviewing my loan application, Bank of America loan officer provided me a loan approval letter by assuring me there is no issue and my income level is more than enough to get this loan. I signed the sale contract with the seller by trusting the loan officer`s assurance. Also, loan officer asked me to transfer my money from my XXXX account to Bank of America. I transferred my money from my XXXX account to Bank of America account which I had to incur approximately {$2000.00} cost because of XXXX losses due to converting from XXXX and transaction costs. In addition to this, they asked my credit card information and they said they need to charge for appraisal in advance by assuring me that there will not be any issue. Again, they reiterated several times that I am very well qualified for this loan. They processed appraisal and charged me {$450.00} for this. 
At the end, Bank of America declined my loan application by saying there is insufficient credit lines. This was totally unexpected big shock and surprise to me. Because, I trusted the loan officer assurance and all of my financial information was available in my application form and this supposed to be identified before proceeding with appraisal and instructing me to transfer my money from XXXX account. 
In summary, Bank of America misconducted my mortgage application process misled me and charged me appraisal fees unfairly without completing their loan underwriting process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Thursday XX/XX/2017 I initiated a wire transfer with Bank of America to a XXXX bank. By the next day, I received a confirmation email saying transfer successful. By Monday XX/XX/2017, the funds had not reached the recipient. By Tuesday XX/XX/2017 I painstakingly initiated a recall on the lost funds. I was first told I would have to pay {$45.00} for BOA to locate the money that they lost themselves. This was then waived. It has been 3 weeks since this recall was initiated, I have had no contact from bank of america. I am now being told that if they can not find the money, they will not refund the money to me, that I will simply have lost {$3000.00}. This feels like theft, except that there is no one to report this robbery to!

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 2017-03-12 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: MO

Complaint narrative:
I made a payment over the phone to Navient to my private loan account, which is the only one I 'm not in deferment for. They applied most of the payment to the deferred account and only {$9.00} to the account I 'm actively making payments on. When I was on the phone I was very clear on which account to apply the payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have previously filed a complaint with your company. This is the reference number XXXX. My home equity account with Bank of America is XXXX. I missed your email notifying me of Bank of America 's response so I missed the opportunity to dispute its response. I did however begin working with XXXX XXXX, the person who sent the response and was assigned to be my case manager. I resubmitted all of the documentation to B of A, for at least the third time. In XXXX, he contacted me that underwriting was requesting information ( because I listed my wife as a partner on my company, they wanted her profit and loss statement, even though I had already given a profit and loss statement for the company showing no income to her, and had also given a statement to B of A about her total income for that year. ) I gave XXXX XXXX that info over the phone and he said he would check with underwriting. In late XXXX I was again knocked out of the program for not providing documents, in spite of my previous conversation with XXXX XXXX -- ( important note : the information underwriting requested could easily be ascertained from other documentation already in its possession. This unnecessary request fits B of A 's well documented bad behavior that resulted in the DOJ settlement ). I again contacted XXXX XXXX, he told me to send specific information, which I did within 24 hours ( I have to drive XXXX miles round trip to the nearest B of A or pay to fax from my computer -- something I have had to do numerous times in this process ). I have not had any more contact from B of A. I have contacted XXXX XXXX several times requesting an update and he has not returned my calls. 

I also want to again complain about not being included in the DOJ settlement. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to determine my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ settlement. 

I will also add that B of A 's actions have created a great hardship to me. My monthly payment is more than half of my income. I have been advised by lawyers to simply quit making payments, but I do not want to risk losing my home because I fell victim to B of A 's predatory loan practices.

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 2015-06-05 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: CA

Complaint narrative:
Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have tried requesting my cosigner to be released multiple times with no success. XXXX. I do n't want this to XXXX her in her last days nor do I want my loan to default at the time of.hwr death and to overshadow my mourning of her. Please help me I want to pay my loans monthly but I do n't want her to fear the loss of.her social security due to me being late on payments when/if that happens. I 'm begging for any help you can provide. My credit is horrible by the way so refinancing is really not an option

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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: ID

Complaint narrative:
My experience with Bank of America has been the worst experience I could have ever had. I have been put down, ignored, forgotten, hung up on, yelled at and much more. XXXX XXXX and assistant ignore my many voice messages and calls put aside my faxed paperwork and hang up on me on an everytime basis. I do not appreciate the disrespect I have been shown expecially when I have shown courtesy and understanding. My wishes are NEVER granted just told they are completely unreasonable, when they are in fact below satisfactory. I have asked politely and calm to speak to a superior and I get transfered to a team member of penny 's. I do n't appreciate the neglect and the inconvenience that bank of America has shown me. I will never forget the horrible experience I have had. If any person asks about bank of America I will passionately advise them to not bank with them. I can assure you that after hearing my testimony as to why not to bank with them, they too will not be banking with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 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: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX in XXXX XXXX, Fl for the XXXX program. The school ended up closing down due to Financial Aid Fraud and other unethical issues. I did not receive a diploma of completion from the school or any paperwork stating that I attended XXXX and I also paid a remaining balance of {$1100.00} to XXXX without knowing that the school was going through legal issues and closing down. I have loans totaling over {$16000.00} from a school that 's no longer around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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:
My loan has been transferred to navient ... .a while ago ... 
When I started with navient and with my old loan company I was able to repay my loans individually ... .as I have XXXX remaining .... 
navient has changed their policy so I can not pay the XXXX loans I have with them individually unless I call in every time I have to pay. I wanted to repay the loans individually so that I could overpay on XXXX loan only ... .not XXXX so that I could finish paying off XXXX of the XXXX loans first and then pay the other ... I was able to pay that way originally and I feel I should still be able to since they are individual loans that I took out at different times. Therefore, why can i not pay for them individually? That is ridiculous ... the loans have different identification numbers yet I am forced to repay them online or by mail combined ... .that is not fair or just ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application information.

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 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is reporting my balance incorrectly on my XXXX Credit Report. This error lowers my credit score and causes a denial of a student loan.

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 2017-02-12 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:
My bank ( Bank Of America ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.

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 2016-12-04 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been sending money to XXXX to take care my mother who has XXXX XXXX via my sister 's account in XXXX. Recently, I have used Bank of America, first one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noticed OTHER FEES charged {$15.00}, {$15.00} and {$20.00} respectively on top of transfer fees {$45.00} each. My sister was able to get the document from XXXX Bank showing the actual amount each time it went thru and it was less deposited due to " OTHER FEES " as above. I asked Bank of America what is that for? It said Intermediary Bank Fee. I asked which intermediary Bank was it? It ca n't answer me. That was the answer from the " wire room specialist '' The XXXX statements showed It went straight from Bank of America to XXXX Bank minus OTHER FEE CHARGES every time, NO Name of other Bank i.e. third party bank showed.Why am I getting double dip from this big bank? It is WRONG. My friend used XXXX and no other fee charges with XXXX for wire transfer.

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 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Tried to open up an account with XXXX different banks but the banks wo n't let me

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