vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My wife and tried to work with Bank of America ( BOA ) to get a repayment plan in XXXX XXXX, Bank of America suggest we go through XXXX. On XXXX XXXX, XXXX we went to XXXX ( XXXX ), who contacted BOA, who stated we need to a Home Modification Loan. We filed for a Loan Modification with BOA, and were told to make no mortgage payments while the Modification was being processed. This went on for XXXX months until BOA stated we need to pay the XXXX months we were past due in order to make the Modification possible. My wife file for Chapter XXXX Bankruptcy and once the hearing was completed on XXXX/XXXX/XXXX, we made our XXXX payment on XXXX/XXXX/XXXX and made every payment thereafter on a regular basis. On XXXX/XXXX/XXXX we received a letter stating that our mortgage had sold to XXXX XXXX XXXX. ( XXXX ) We made our XXXX mortgage payment to XXXX on XXXX on the phone. On XXXX/XXXX/XXXX we received a call from our Lawyer, stating we were delinquent on our mortgage payment. On XXXX/XXXX/XXXX we received Court papers dated XXXX & XXXX/XXXX/XXXX that we were delinquent and that we had a Court date for XXXX XXXX, XXXX to foreclose on our home. We immediate met with out lawyer on XXXX/XXXX/XXXX and hand Exhibit XXXX which showed our payment to BOA were XXXX months behind. 
My wife and I went through our personal bank records and pulled all the checks and bank statement starting from the XXXX mortgage payment to the current payment recently made to XXXX. As of XXXX/XXXX/XXXX we heard from our Lawyer and everything between XXXX and us has been straighten out and foreclosure process stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I closed a Bank of America credit card XX/XX/XXXX and XXXX " pro '' just charged the card {$190.00} and BofA let the charge through! Commonly, when credit # s change or cancel or whatever, the merchant that was trying to charge the card lets the customer know that they were not able to complete the transaction. Instead of this, BofA let the charge go through vs making XXXX come to me. BofA also tells me it is also impossible to dispute as this was previously a recurring charge. SO, even if you close a card - it is not really closed! BorA should have told the merchant, XXXX, that this card was closed a year ago! In trying to resolve the issue on the phone with Bof A yesterday ( for an hour talking to XXXX different people! ) all BofA was telling me to do is take it up wth Vimeo!

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 2017-02-08 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: MO

Complaint narrative:
I have a Student Loan from XXXX and XXXX through Navient. 
1. They do not mail statements.. 
2. XX/XX/2015 I was involved in a XXXX ... stopped school. 
When we moved from XXXX to XXXX I called them and wanted a forbearance ; first they declined.. then since I was unemployed they offered me XXXX. 

3. Within a week they listed my loans on my XXXX credit reports as being as agreed to late and delinquent lowering my credit score from XXXX to XXXX. 

I contacted them ; emailed them through their site and told them of the problem.. employers chk credit scores for medical and when you are around locked XXXX, etc. TNavient then directed me to different directions and for XXXX months this has been going on and all I get are excuses and no action. 

Ca n't get a good job with a low credit score and they refuse to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: NY

Complaint narrative:
I 'll try to make this short. Navient, and all my loans with them equal a total of close to {$80000.00} dollars. These loans consist of Private, Federal, and Department of Education. Currently I can only work PT while taking care of my mom who had a debilitating accident. Navient is refusing to work with me, even after submitting documents showing my income for a lower payment. Moreover, my college is closing soon and I was part of the private college scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
The item below has not been verified as mines therefore it has to be removed from my XXXX and XXXX credit report. 

Show less Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$3300.00} written off. {$3300.00} past due as of XX/XX/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 explanation
Consumer complaint received 2016-12-20 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: SC

Complaint narrative:
Navient purchased some of my student loans from different lenders. I lost my job and needed to apply for income based repayment plan. XXXX of the loans that they purchased is was paid ahead. XXXX of my loans are currently on XXXX with them and they continue to send me bills and statements and charging fees and the reason they say is XXXX my loan is paid ahead. I can not help that my loan was paid ahead when they purchased it and they can not # XXXX put it on income based repayment for me # XXXX explain to me why I a getting a bill if it is paid ahead. I have been told by them several times that it 's a " computer glitch ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 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: MI

Complaint narrative:
My bank account unexpectedly became overdrawn last night by {$1.00} due to the fact that a {$30.00} mobile deposit was not credited. A couple concerns are ; ( 1 ) I did n't think a bank could charge an overdraft fee for a debit transaction that caused the account to be overdrawn by less than {$5.00}? ( 2 ) It was my understanding that I had until XXXX to make a mobile deposit to be credited the same day? Seems ridiculous that a {$1.00} overdraft can generate a {$35.00} overdraft fee!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
They have collected for over 10 years and never applied any amount to principal. They only applied to interest and fees. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a bank of america customer since 2010. My salary, my home loan, everything are with BOA. Besides that I have been using Bank of america to accept more than 10 times wire transfer and none of them charge me fees. Every time my fee is waived since I am a loyalty customer.Even last time I called the agent and been told, I just to need to call every time after the fee post and they can waive it for me. Today the representative refuse to refund my wire transfer fee. And they need to be responsible for the misleading the customer. I have a lot more choices to accept the big wire transfer, but I get used to use the BOA which made me so disappoint today.

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 2015-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
card acct was activated w/o consent

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 2016-09-27 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: FL

Complaint narrative:
On XXXX I was told by a boa cust care resolution specialist XXXX XXXX that i owed additional interest on a modification that was signed by boa XXXX and not filed or completed until XXXX .I recvd a copy of the response to cfpb from XXXX stating that it has been verified thaht on XXXX boa made adjustments to the loan to show they had recvd XXXX thru XXXX payments on time. now boa is stating that additional interest is owed. I have abided by the agreement. I have the final mod stating when the payments, conditions and terms of the loan begin and end.XXXX stated XXXX that the payments were just estimates and i should read my agreement.NO this is not stated on the final agreement. I want this entire modification process to be audited by the cfpb..

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 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America is my investor for my XXXX mortgage and XXXX XXXX is my servicer. No one seems to be able to tell me why I did n't qualify for the National Mortgage Settlement to lower my principal or get refinanced for a lower interest for my XXXX mortgage that is owned by Bank of America. I would like to be able to refinance for today 's low rates per the settlement agreement. I keep getting the run around and was actually told by a Bank of America employee that Bank of America does not own any loans and that I must be mistaken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: AZ

Complaint narrative:
I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Bank of America checking account. 
I called Bank of America Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Bank of America customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that bank of America can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

Thank you

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 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying for years to work with XXXX XXXX to have {$5000.00} that was forgiven because my school closed taken off my account. It was taken off my account for a short while back in XX/XX/2008 but then that amount was put back onto my private student loan without a reason, so I kept trying and trying to reach customer service and get this taken care of but I just kept getting transferred to different people who could not help me after I had been told that it would be forgiven. So I contacted the attorney general as well and I included that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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:
My private student loan defaulted ( XXXX months no pay ). These XXXX months were not under a deferment, grace period, or forbearance. However, Sallie Mae will not report that the account went into default so it remains on my credit report. It has been over 7 years. The period of default was XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks

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 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am asking for someone to please help me with Bank of America Home Loans. After my wife was bitten viciously by a dog, she lost her job and as a result we fell behind in mortgage payments. Bank of America has been making my family fight a fight that even when serving in the vietnam war, I would rather be back there than having to deal with the underhanded tactics of Bank of America. They have denied us a couple of times not because of our financials but because they claim we do not have the right paperwork but we are submitting all documents that are being requested of us by Bank of America. Furthermore, they had issue with my wife 's bank statements claiming that the letter head was incorrect. We provided bank statements directly from the bank, this is ludicrous. More recently, my wife submitted yet another package for modification and around XXXX XXXX, 2016, Bank of America agent XXXX XXXX confirmed we had a COMPLETE package and that they would be reviewing us. Further, she informed me that we would do the financial interview and that she would call me in the next couple of days. Well, low and behold two days later we get a Notice of Trustee Sale posted on our door. How can they tell us on the one hand that they have a complete package and that we are being reviewed for a loan modification and then try and sell my home. Bank of America is engaging in illegal dual tracking and they are in violation of the Homeowner Bill of Rights passed in California. I ask that someone kindly monitor my review process so that I am given a fair chance at modification. I served my country in XXXX and I was XXXX XXXX. I have been through so much and Bank of America is completely stripping me of all of my pride, as I can not fight this battle in a fair manner. I am working full time, my wife will be receiving her XXXX and my kids help us out. I want to start paying Bank of America a mortgage payment I am not trying to live for free. I beg you please help me to get a fair review for a modification.

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 2016-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home

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 2016-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Greetings The Purpose of this Complaint is to inform you of the Less the Fortunate Service I Received on My home Loan # XXXX From Bank of America. I have Attached a Few of the Letter of Pre approval Letters From the Loan Officer Agent. The Loan Officer Had Me under the Assumption that I Was Pre Approved Back in XXXX XXXX After an initial Credit Check. 
Bank Statements and other documents From XXXX XXXX was Provided to the Loan Officer Never once did the Loan Officer Express an Concern about an Issue that was on my Credit until 3 month Later. After Shopping Around For a Home and Being Shown Multiple Properties From My Realtor, I Finally Decided on a Property to Purchase. This was My Potential dream House I Really Felt Good About this On Monday XXXX I Had the Power Turn on at the Property. On XXXX I was Charged {$550.00} For a Appraisal Fee and another Credit Report. 
On XXXX I was Told Verbally that an underwriter had Looked at the File and Seen Something on My Credit.I Have also Attached that To Show How that was cleared. I Do n't Really Know What is your Protocol on When initially a Person Applies For a Home Loan The Parameters that are Taken. I Feel Like Three Months of My Time Has Been Wasted and Was Living out of Boxes anticipating a Move Soon. I Have read All the Reviews that Are involving BOA and I 'm starting to Think Where is the Customer Service on Most of these Matters. I Did n't want to be Long Winded on this but These are The Facts Concerning this Matter 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