vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXXX weeks later. Keep in mind, that BOA only left me with XXXX in my checking for my family to feed and at that time it was snowing and cold, I had to borrow money to pay my electricity bill to stay warm. So its up to them, do they want to pay me out for a law suit or compensate me for something they are not allow to do with out my authorization. This will be my last complaint I submit, next time it will come from my attorney, I also received a Breach letter, which was incorrect, due to my payment had been made in XXXX/XXXX/15, leaving me with XXXX payment due on he account not XXXX when they reversed that large amount due to I placed a stop on the transaction because I knew it was going to take them weeks before I got my money back, due to debiting more then the regular monthly payment. Now I have to drive to the branch and make my payments because I do n't trust them on making a payment over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I made a large payment on my Bank of America credit card which I have had for 13 years. I thought the large payment would help my credit, but instead they immediately lowered my credit limit, ruining my credit and I have no funds to use. I have always been on time with my payments and I was n't even notified! This company is evil and low life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
The debt was not mine/paid, but thought paying it would be easier then going the not mine route. 

I was seen in the ER at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX due to being involved on car accident that I was not a fault for on XXXX/XXXX/XXXX. The hospital was given the driver that was at fault information. 

On XXXX/XXXX/XXXX I noticed I had a collection from Central Financial Control for the amount of {$550.00}. I sent a dispute through XXXX that day that I had no knowledge of this debt. On XXXX/XXXX/XXXX I received my first notice and a letter to settle this debt for {$270.00}. I wanted to get this taken care of right away the same day I made a payment of {$270.00} with the understanding the debt would be settled and deleted from my report. I was told I would be mailed a receipt. 

To this day I have not been mailed a receipt and the balance is still showing on my report as closed. I used my XXXX card to pay for the balance and they are also requesting documentation on the balance paid. This needs to be removed as I was not notified in a timely manner and I made payment as soon as I was aware of this balance. I was also told it would be removed if the balance was paid.

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 2016-09-16 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:
I have {$44000.00} in private loans through Navient. Navient wanted my payment a month to be around {$600.00}. I am a single mom and can not afford this amount. I tried contacting Navient to negotiate a lower monthly payment because of my income situation. They basically were extremely rude with me and told me well I owed them alot money and asked me why could n't my dad pay it because he had cosigned them. I explained to them that again, I am a single mom and only make around {$1200.00} a month and after I pay all my bills, I do n't have {$600.00} to give them. Also, my dad retired and my parents live paycheck to paycheck. They do n't have the funds either. Yes, I know its alot of money and its not my parents responsibility it 's mine. They told me that I needed to pay that amount or I would have serious consequences. They wanted me to set up an automatic payment and they could get my payments down to {$480.00}. Again, I told the gentleman, I could n't afford that amount and again he got rude with me and that was the end of our conversation. Well, they continued to harass myself and my parents by calling multiple times a day and making threats. Even calling on Saturdays and Sundays. Eventually, I was able to get ahold of someone after my loans went into default because I was only paying around {$200.00} a month, which is what I could afford, who worked with me and got my payments all group together, supposedly, and got it down to {$200.00} a month. The phone calls stopped for a little while, but then they started up again. We answered the phone after these harassing phone calls had been going on for a couple months, multiple times a day and found out that the reason they were calling is because XXXX of my loans had n't been put into the repayment plan because supposedly they were the smallest of my loans and therefore, could n't. I did some research and these loans are not the smallest of all my loans, XXXX is but the other is not. Since I did n't realize that these loans were not in my repayment plan, they are way past due. Navient is now threatening to take legal action and try to take my parent 's house away. I do n't know what to do. I realize this is a lot of money and I will pay it back. I just need time and I need this harassment to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I called Navient and the customer service representative misrepresented the company when I called I ask if this was in regards to my student loan and she said no I need you to verify information before we can talk to you. I refuse to do so because I know that Navient is a government contractor for the federal student loans department. My current loan is with a in good standing with XXXX. I have no desire to transfer or do business with Navient. They are harassing my harassing me at work by making phone calls and harassing my spell by calling his cell phone. I asked that they remove my work and husbands phone number and to not contact me any further. The representative said the calls will continue but she will mail a letter explaining the reason for the call. I know what Navient is proposing and I do not want their service. I want them to stop harassing me at work and my husband. I want all communication including phone text work mail correspondence I want it all to stop immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Bank of America and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges.

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 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Bank of America went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more 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 monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am so tired of Bank of America and their way they do banking - fed up beyond belief ... you can not imagine my frustration - I 'm done with you guys unless you refund those fees at once. This is the XXXX time in 6 months that I have to lodge a complaint. When I awoke yesterday morning ( Thursday ) my account had gone in the negative by {$8.00} or so. At approximately XXXX XXXX or so I transferred the difference from my business account to bring me to a XXXX balance ( well within the XXXX XXXX cut off time ). As I now work night shifts, I checked my account several times, including at XXXX where the balance was {$0.00} just where I left it. At XXXX XXXX my direct deposit went through and after a transaction I had {$830.00}. Did n't feel the need to check it again but did before I went to sleep ( which should 've been XXXX minutes ago ). What I saw caused my blood to boil and frustration is thru the roof - Bank of America charged me XXXX - in the total amount of {$70.00}!! I know the bank is doing things different because my roommate is going thru this exact same thing with his account ( which he too lodged a complaint ). I am taking this to social media next - this can not be the way to keep your customers - I have been XXXX for just under 10 years and am completely fed up!

Company public response: Company 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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Im constantly being thrown in forbearance not given the opportunity to do deferment my loans are too high im umemployed and i not given the correct Information. The customer service is horrible cant get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
In 2010 I applied for a loan modification. During the 'trial ' period I was given a payment amount to make and I paid each and every payment on time and complete as agreed until the modification was approved on XXXX/XXXX/2010. I have recently discovered that Bank of America has been reporting me as having late payments and this has had a negative effect on my credit score, dragging it down, according to my current servicer, to XXXX. I never made a single payment late nor did I pay a late charge. I recently disputed this through XXXX of the credit reporting services but Bank of America has refused to correct it. At the time I applied for the modification I was told that it would not effect my credit as long as I made the required payments. In checking the .gov relative to the modification I found that BOA was not supposed to have reported me as delinquent. I would like for you to handle this before I need an attorney. I believe that I am not the only victim of BOA in this and BOA should be investigated for this practice.

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 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
After providing necessary documents and verbally having an agreement with signed documents, The servicer Ocwen decides to change the terms. I make XXXX a year now after starting a new job in XX/XX/XXXX and deserve a better term as first told. Having a Balloon and being told at XXXX, XXXX would be due in one lump sum is not acceptable. After showing concern the principle was allegedly reduced more but still Considered Ballooned. Not again what was stated earlier with the streamlined Hamp as described. Being able to pay down the debt with 3.12 interest as described with 40 year term was told as it would be. XXXX has been given XXXX a month since XX/XX/XXXX and the servicer tried on a holiday week to have timing is of the essence, sign, date, notarize by XXXX XXXX. Securitization audit and Quiet Title were requested with a QWR with all not being provided. Home Owner Bill of Rights and the issues with Investors servicers past and present should make this more unique workout solution. XXXX XXXX another lawyer is in jail now for realestate fraud and XXXX ipo issues that did Foreclosure rescue scam XXXX on me and I 'm tired of censured attorney chapter XXXX that would not let me fire him as his firm acquired info from Litton Loan and then said they were not doing a loan mod after they had us fill out docs stating different. Very unique people. Please advise, ... ... on my rights with the changing of terms that is not welcomed when I make enough income and they see that. Being scammed and represented illy is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Forced to take predatory loan right after XXXX XXXX for small XXXX foot camper for emergency shelter. Attempts to get loan modification ignored. Gave it back to them as a voluntary repo. BOA doubled down and demanding even more money than was owed before and wanting it all at once, immediately, or else. Attempts to contact the loan officer who is never there. Calls from boa never reference any letters I have written, they just try to pump me for information, obviously reading from a script and will not deviate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: PA

Complaint narrative:
I read online today that Navient is being sued, and I believe I have been effected in years past. Navient recently transferred my loans to a different provider but for years I had my loans in deferment instead of income based payments. How do I include myself as a victim of the alleged deceptive practices? I graduated from XXXX college in 1998 and still have XXXX to repay. 20 years out of school and still not making enough to pay the interest on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: MO

Complaint narrative:
Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: DC

Complaint narrative:
I recently completed a XXXX program and XXXX of my student loans were placed immediately into repayment. I was informed over the phone that consolidated loans were not eligible for a grace period after completing school, hence the immediate repayment status. I was not informed of this, however, when speaking with a representative that recommended the consolidation initially. At that time, I was unable to make payments on my student loans and knew that they would be deferred upon starting XXXX school. I was advised that XXXX the loans was the best course of action, but was not made aware that I would have to be prepared to pay as soon as I completed XXXX school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since our previous complaint, we have received no further correspondence from the lender in reference to the issues that are preventing us from obtaining a reasonable offer. The lender insists that they must net {$230000.00} ; however. that amount is determined by a questionable appraisal. Questionable because of the condition of the property. It is in need of {$15000.00} to {$20000.00} worth of repairs. We believe that this appraisal is prejudiced and have asked for a second opinion. None has been provided. The appraisal was at {$270000.00} and was significantly higher than the previous one of {$260000.00}. Again, neither appraisal has accounted for the repairs needed to bring the property to comparative market value. Furthermore, we have ask for a closing costs explanation as to how the net of {$230000.00} was determined. None has been provided. Prospective Buyers have expressed their reluctance to submit an offer since the valuation has been set too high.

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