vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2015 Bank of America sent me a letter which read " Congratulations! You 're approved for a Home Equity Line of Credit Modification '' I accepted this offer nine months ago, a contract I have honored and complied with in every way, yet Bank of America has and continues to avoid compliance. The issues are as follows : Failed closed my modification Continuously send me numerous notifications that my " loan modification appeal has been denied '' Inaccuracaly reported my credit history Called me 50 times stating my loan is in default or me calling BofA to get assistance Provided me with assurances that " this is just a paperwork problem '' for 9 months Verbally assured me that my loan is fine and I should continue to pay the {$710.00} ( which I do every month ) and instructed me to ignore the letters and calls that state I am in default I have has to endure countless changes to my " single point of contact '', and there is no end in sight. This situation is inhumane. Bank of America 's CEO XXXX XXXX was notified months ago and still no action toward a resolution. 

I have asked for months for help. Now I have demand they perform under the agreement. Provide me with an accounting of how the thousands of dollars I have paid from the time I entered into the modification have been applied. I do n't even know what interest rate they are charging. My statement says 3.75 % and my modification says 1 %. I will bet they do n't even know how to prepare an accurate XXXX for tax purposes.

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 2016-06-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was over fraft with bank of america for XXXX $ and they closed my account and also put me through the XXXX which will not allow me to open a regular bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a Bank of America Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was XXXX could n't work. I could not afford to make payments. Bank of America sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. XXXX, XXXX XXXX XXXX, XXXX is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. 

SUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX. 

I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a 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
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Left XXXX XXXX after a semester once known that none of it would be credited, and school closed down shortly after. Never gained any credits or anything from that school, Naviant denies loan forgiveness even though itt tech was sued for fraud and discredited by Department of Education. Not only that Naviant is now being sued for fraud in the same timeline this it happened. They did not help or give much choices, just you can postpone until you pay the amount. Both insitutions were conducting fraudulent activities preying on low income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America was sending my statements to somewhere unknown. Bank of America invalid info they had on file for me. 
XXXX XXXX XXXX XXXX, XXXX, Florida XXXXthe person that used that money was n't me and I refuse to pay it. They put interest that brought it up to XXXX and added a charge off on credit. They made me look delinquent with their mistake. Trying to make me pay for stuff that I did n't do which is not right. They have the wrong address and wrong phone numbers for me I have utility bills going back to 2010. So their information is false and I have proof. I called them last week seen what they had on file and told them to update my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24 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: NY

Complaint narrative:
i owe money on an old Sallie Mae student loan. I have n't kept up payments i am a section 8 and food stamp recipient. I hear so much about student loan forgiveness but I havent obtained any direct information. My loan balance upward {$11000.00} and constantly going up due to the interest and penalty fees. It has been in default for over 7 years. How can I find outif I qualify for for student loan forgiveness also why has n't my account been tagged for student loan forgiveness. i have so much debt and i really need to get my finances in order now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a trial modification and after succesfully completing my trial payments I had an issue where I could not get the final paperwork notarized because my id did not have my middle initial even thou original loan paperwork did not have it. I told my lender about issue I was having, I was told to go apply for a new id that had my middle initial on it. When I tried the dmv said I had outstanding tickets in a different state and had to clear that before I could get a new id issued. I informed my lender about this and was told not to worry, to just keep them informed and keep trying to get issue resolved. I called the state agency I was referred to to clear this issue and got issue resolved and just had to wait for the states to clear up the misunderstanding. When I called lender to give them an update they had already began foreclosure process when they said I didnt have to worry about that. My original loan paperwork did not have my middle name so I dont know why they could not isuue me paperwork without my middle name. Also The fact that I could not get a new id was not my fault as it turns out I had never set foot in other state claiming I owed tickets so I feel I should not be punished for it.

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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
For the second time, Bank of America turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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:
I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: ME

Complaint narrative:
I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years. 

When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested. 

What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue. 

When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly. 

I have, however, paid nearly XXXX dollars for a service I never received or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: NC

Complaint narrative:
After reading your online advisory for student loan co-signors, I wrote a letter to XXXX and Navient requesting to be released from my obligation on my grandson 's college loan. I am a XXXX-year-old widow with limited income and have health issues. If the good XXXX calls me back, I do not want my grandson to bear the responsibility of paying the loan immediately and totally. I did send both companies one of your sample letters. XXXX did not respond but Navient did refusing to release me because my grandson had not made 4 YEARS of consecutive on-time payments. That is an absurd and unrealistic requirement designed to thwart co-signors from being released. Navient did not provide proof of his payment record with its terse response ; I guess they thought I should just expect the word of a dishonest, reckless company using deception to take advantage of its youthful borrowers. Navient also did not respond to the other questions I posed on the sample letter as well. My grandson can not recall being informed about the income-based repayment plans either. I would like to add my voice to those individuals expressing their concern about being caught in Navient school loans nets designed to snare them and their co-signors with deceitful, unethical and illegal business practices Future loan recipients should be aware of Navient. Finally, I thank the CFPB for its work in exposing these deceptive and harmful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
My credit reports have an adverse action submitted by Southwest Credit Systems, LP, XXXX XXXX XXXX, # XXXX, XXXX TX XXXX. Telephone number XXXX. It indicates my address is in XXXX - I live in XXXX. The creditor is XXXX and I have never had an account with XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-07-13 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: CA

Complaint narrative:
( The choices above do not accurately describe this situation, I selected the one that I felt was best. ) Southwest Credit Systems ( SWCS ) has been reporting a collection account on the XXXX main credit bureaus for a XXXX account ( # XXXX XXXX since XXXX/XXXX/2015, in the amount of {$330.00}. SWCS was made aware of the fact that these charges are not accurate and in dispute based on the cramming activity XXXX was engaging in ( Federal Trade Commission v. XXXX XXXX , XXXX ). 

I was not contacted by XXXX, as I have moved from my previous address and never received information from them regarding Federal injunction or class action. I only became aware after reviewing my credit report and researching online. An online page was set-up, by XXXX, to aid in getting information regarding old/closed accounts, but it has since stopped receiving new complaints or allowing for review of old/closed billing information. 

I do not think the balance {$330.00} being reported by XXXX is correct and they refuse to change or cease collecting on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. 
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. 
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. 
Several times the all is a automated robotic voice again from The same company but using a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
Southwest Credit offered a settlement option which was fulfilled but never informed XXXX XXXX XXXX that the account was settled in full. I spoke with SW XXXX and they offered me a settlement of XXXX which was spilt into XXXX payments of XXXX. First payment was taken out of my account on XXXX and the other was taken XXXX XXXX. The supervisor I spoke with advised that I would get a paid in full letter after the second payment. An agent called me a couple days after the second and final payment and stated that I still owed a balance of XXXX. I then explained to that agent that I had already settled in full. He said the account was n't closed correctly and he would close the account correctly and that I would get a paid in full letter. I never got a paid in full letter, but I id see that it was credit reported as XXXX and zero balance. Then on October, XXXX I got a call from a different collection agency saying I owe a balance of XXXX and I never settled in full. I called Southwest Credit back and they said for the third time that they are sending a paid in full statement. I also called XXXX XXXX XXXX and they stated that Southwest Credit NEVER reported the payments nor did they report that the account was settled. It was still showed as an open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Called my cell phone multiple tmes that is on the do not call list without my permission. 
Wouldnt verify debt amount Wouldnt provide proof of the debt

Company response to consumer: Closed with explanation