vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX a Mortgage contract was entered between my self and XXXX XXXX XXXX, using an XXXX conventional loan. All loan contract paperwork dated for XX/XX/XXXX have no disclosure of or state " NO '' PMI/MMI/LPMI insurance. 
XX/XX/XXXX the home was lost to foreclosure to which XXXX XXXX filed a claim to XXXX XXXX for the amount of {$50000.00}. 
After which XXXX XXXX secured a default judgment against me for just over {$56000.00}. After reviewing my mortgage documents, Truth and Lending documents and Good Faith estimates, all documents state No PMI or LPMI is attached to the loan. I have contacted XXXX and they stated that LPMI was added to the loan XXXX days after closing. According to 12 U.S.C 4905 Home owners protection act and the Truth In Lending Disclosure acts, the original contract and the collection from XXXX is illegal, however I can not find a lawyer who has any background on a mortgage company not disclosing LPMI nor adding it after closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
i received your letter today ( XX/XX/XXXX and in emailing you too tell you that i have sent a letter to the court appeals judge and requesting papers to file a suit against bank of america for mortgage fraud. now you people and the bank of america has all the information and proof you need to send me back my {$14000.00} because the money is mine and not yours or the government. it came out off my XXXX XXXX money, mine, not yours or the government and when i get the forms ill send a copy of the check front and back. i was hoping it wouldnt have to go to court and we could settle it peaceable but youre calling me a liar and im not a liar. you have proof and i have proof. its a shame how people treat and disreapect their elders bhut thats your problem, not mine.

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 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In 2011 I sold my condominium unit in a short sale. Bank of America who was the primary mortgage provider did not send me a XXXX form to verify that the loan was paid-off. Since then my credit report is showing the loan amount as I still owe it to the bank. I am calling Bank of America for the last two weeks and have not seen progress in getting that form. Each person I am talking with transfers me to different offices and no one provides me direct answer on why this form was not initially sent and when they will provide it. This is time sensitive case as my current employment is pending on that form.

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 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Account Problem The problem occurred when my wife deposited XXXX checks in our Bank of America checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America ( BOA ) Credit Card for re-billing a charge of {$380.00} to XXXX TX that occurred XX/XX/XXXX. ( Attachment Item 1 ). I had called XXXX from XXXX using my ( BOA ) credit card to re-book a flight back to the US from XXXX on XX/XX/2016 on XXXX airways. However, when I went to the airport and showed the authorities a copy of the e-mail that I received from XXXX, I was not allowed to board the flight back as the security as very tight at the airport because of the terrorism problems in XXXX. The airport authorities said I could not board the flight without a hard copy of the ticket. I tried calling XXXX from the airport but no one answered the phone. XXXX never even gave me a contact number of XXXX to call and get help. The sudden flare up of the airport security issue caught me by surprise and XXXX could have sent me an email warning me of the situation or even sent me an electronic ticket, but they did not do that. They were of no help after taking my money. Since I was unable to board the flight I had to call XXXX airways directly, to re-book a fresh return ticket for {$680.00} and I returned to the US on XX/XX/2016 ( Attachment Items 2 and 3 ). After returning to the US, I called BOA to complain about XXXX and BOA reversed the charges ( Attachment - Item 4 ). But in the recent BOA statement, this charge of {$380.00} was reapplied with no explanation ( Attachment Item 5 ). I was not given the opportunity to explain and send in the documents to BOA to prove to them why I demanded my money back from XXXX. I would like BOA to refund me money.

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 2016-12-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Abusive, disrespectful, demeaning statements were made. I asked how we could settle the debt and the person stated, " what are you going to do - avoid us like the other 24 debts you 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 2017-03-29 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: PA

Complaint narrative:
My account is set up on auto draft every month. I never really took notice until I received my tax statement for XX/XX/2016 but my payments have not been applied to any of the principal for the last 4 years. In my payment history, I can see the payment break down of principal and interest but my balance has been increasing and therefore I am paying more in interest as a result. My tax statements show that my interest paid is the total of every payment for the year. I called Navient customer service and they gave me the run around and told me the opposite of what my account and tax statements say. I understand there is a class action lawsuit for this issue currently in the works but I want to get the issue fixed so my future payments are applied correctly. Basically, this has doubled the remaining payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: VA

Complaint narrative:
I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another bank of america account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called bank of america and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another bank of america account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.

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 2017-01-22 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: NJ

Complaint narrative:
I received at least two years ( not consecutively ) of not having to pay on my student loan due to personal hardships ( unemployment, caregiver, divorce ). While the forebearance did help me through my rough patches, my interest is considerably higher now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: VA

Complaint narrative:
Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.

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 2016-05-17 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:
In XXXX 2015 I contacted Navient to set up a reduced Payment plan for my monthly payments. The representative at the time was setting it up for 6 months to bring the account current and then the next 6 months to be paid on time. I had started receiving phone calls in XXXX informing me that I am $ XXXX passed due. I informed that I had a payment plan set up and should n't be passed due. After they investigated they told me that the representative back in XXXX did n't calculate the payments correctly. I had asked for them to correct it to show it not passed due, due to the fact that they had messed it up. They told they would not and that and can only bring the account current if I made the pass due Payment which was n't my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XXXX/XXXX/16 I went into Bank of America to get a loan of up to {$1000.00} however, BoA now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the BoA Cash XXXX card and was told by the banker who was helping me that he will be putting a " rush '' on the card and will arrive on Monday, XXXX/XXXX/16 but may take as long as Friday XXXX/XXXX/16. After Wednesday XXXX/XXXX/16 passes I ask about my card and am told that if I need any credit card assistance to call the XXXX number for CC complaints, again all I am told is that is has been shipped out from Delaware on XXXX/XXXX/16 and should be arriving shortly. Quite annoyed at this point I call the banker who helped me again and tell him my CC has yet to arrive. My banker and I proceeded to the XXXX CC complaint on a 3-way conference call to which the woman on the line told us my address was not accepted and they returned the card to sender. The woman then tells me she can have it shipped to a XXXX Store for me to which i agreed to and that it will arrive on the XXXX of XXXX and to call the BoA CC complaint to get my tracking number from them. XXXX/XXXX/16 at XXXX I called XXXX XXXX Stores close to my location to see if my package arrived to which they told me no. Shortly after I proceeded to call the XXXX CC number again and explain to the woman all that happened and that I am to receive my card today XXXX/XXXX/16 but to my surprise she told me they never mailed it out through XXXX, have no tracking number, and also no notes of ever having a conversation about mailing through XXXX. It is now XXXX/XXXX/16 as I write this and still have yet to receive my card. This leaves me furious because I put in the last of my money ( {$99.00} ) thinking I could get help as well as build my credit however it is now 36 days later, I am out of {$99.00} and still have absolutely no idea where my credit card is and as it sounds, BoA does not know where my card is either.

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 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America changed the status of account from closed, XX/XX/XXXX to open, late as of XX/XX/XXXX. Score plummeted as a result.

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 2017-01-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America refuses to allow me to use my credit card for internet purchases. I am only allowed to use the card for in person transactions that use the chip. Several months ago fraudulent activity was discovered by Bank of America. Since then, Bank of America will no longer allow me make credit purchases except in person with the chip. I have called Bank of America 6 times and am told it 's the merchants fault. That is false. I could not use my credit card for XXXX, XXXX XXXX XXXX, XXXX and XXXX.

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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I disputed a charge with XXXX and BOA never responded to my concerns despite repeated requests

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 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
These DEBT COLLECTORS HAVE CALLED 6 TIMES SINCE YESTERDAY XXXX, THEY HAVE CALLED MY GRANDDAUGHTER, ME ONCE, MY SON ONCE, MY DAUGHTER IN LAW ONCE, AND ME TWO TIMES TODAY. This has got to stop. Now everybody thinks I gave them permission to contact them. I do not know who they are and what they want my attorney said not to talk to them. But I will contact them right away to get to the bottom of it all.

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 2016-05-18 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: OH

Complaint narrative:
In 1999, at XXXX years old, I enrolled in a XXXX XXXX XXXX program at XXXX XXXX XXXX University with an income of {$0.00}. To pay for college my parents and I applied for student loans and received the full amount of student aid available to us at the time. This was not enough to cover the funds therefore we also took out " Signature '' loans from XXXX XXXX, which have been sold to different groups over the years and are now serviced by Navient. I have XXXX separate loans with interest rates of ( 8.5 % - XXXX loans, 3.5 % - XXXX loans, 4.75 % - XXXX loan ) and owe a total of {$31000.00}. My total monthly payment is about {$400.00} and I want to negotiate with Navient to lower the interest rate of my 8.5 % loans. Do you have any suggestions for me? I consistently pay my loans, although due to financial hardships I have made late/delinquent payments. I have NOT defaulted on any of my loans and I do n't want to get to that position. I am also interested in consolidation and any income-based repayment plans. Additionally, I work in public service ( XXXX XXXX ) and am interested in any public service loan forgiveness programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THESE ARE THE VALID CCP CODES FOR CALIFORNIA CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XXXX XXXX 2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX and XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?

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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I had setup my credit card account with Bank of America to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Bank of America has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??

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 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We recently closed a refinance loan with Bank of America. When I received the HUD-1 settlement statement, it did n't match the GFE for the origination charges. As the HUD-1 specifically states that these charges can not change, so I notified BofA. After nearly a week, someone finally responded to me, but nobody has been willing to provide a resolution to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient refused to allow my student loans into an income forgivness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
refuse to correct my account. pymt made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: GA

Complaint narrative:
I have several loans serviced by XXXX /Navient. I was informed several times that my there are not program to reduce the loan payments. Therefore, I requested several forbearances which increased the loan amount. I missed several payment which were reported on my credit reports.

Company response to consumer: Closed with explanation