vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXXFrom : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX District Registry of Deeds, Book XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank , Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said XXXX in XXXX XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts Supreme Judicial Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX ( and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale ( and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I 've requested the cancellation of the property scheduled for XXXX XXXX, 2016 .I 've also notified them that a Lis Pendens that was filed in XXXX XXXX XXXX XXXX Court in Florida regarding the actual assignment that originated, created and executed in Florida XXXX Wells Fargo have denied my request even though the basic requirement of a non-judical foreclosure is the assignment. 
Also they refuse to respond through the CFPB portal and states over the phone that their response is in the mail. Their responses in the past have been, your questions are too broad or we 've responded to your request. Thank you for your attention in this matter.

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 2016-08-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.

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 2016-01-09 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX/XXXX mortgage loan with Countrywide, secured by XXXX. My loan was then sold to Bank of America. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. Bank of America has sold my loan to a collection agency, XXXX XXXX XXXX to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Bank of America, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Bank of America says they will be accessible for 120 days. Bank of America has yet to answer why I ca n't access even though I have made numerous attempts to find out.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are false names, addresses, inquiries, and credit account information that are not mine and/or I do not recognize. Initially, I tried contacting the creditors to clear up inaccurate information but I was ignored. 
Adverse accounts have falsely reappeared/posted on my credit report in error. I 've already disputed these items with Experian and their response was that " that items have already been disputed and we ( Experian ) will not investigate them because we are only required to furnish information of activity that has been reported to us ( by the creditors ). '' My credit report was obtained illegally because the companies who viewed it did n't have the right to do so, therefore, inquires should n't stay on my report. Experian is required to follow up with the creditor. " If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Legally, the credit bureau must respond to you within 30 days. '' I have reported these creditors to CA Dept. of Business Oversight. Experian has failed to comply with their obligatory investigation. 
I 've learned that Experian is not interested in fixing inaccuracies. If they were, they would have done something about it long ago. I 've discovered that the reason it is difficult for Experian to fix inaccuracies is because doing so is contrary to what their objectives are ; to satisfy the furnisher of the information ( creditor ). 
I am requesting Experian to investigate the inaccurate information that I 've disputed with them and I want them removed by suppression technology so that they will not falsely reappear.

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 2017-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loan was XXXX XXXX now Navient. I called many times in the past to ask about different options because I could not afford to pay and phone representatives keep giving me the run around and they said that is was nothing they could do. I mentioned that they must have something to pay the loans back, meaning a program so that I could find something more affordable. They charged me outstanding fees on my account, told me to get in a forbearance, they also at some point when I take a break from school, had me on interest only payments. I have called many times and people over the phone have not and act like they could not give me options. They were aggressive and told me I just need to pay the money. At one point I was getting public assistance and I asked do they have something for people who are unemployed, do you charge interest if you are on a state program. I ca n't remember what year I asked the question. However, no one would help me. Private loans for Naivent aka XXXX XXXX are the worst ones to get because they originally did not explain how this effects me the in the lone run, that the interest rates change, that the loans would start getting interest as soon as I opened the loan. I was a kid still wet behind the ears, at XXXX, no kid every understands that type of information. I feel tricked and disguised with the way my loan situation has turned out and I am very disappointed that the government did not regulate private loans better to protect kids/ young adults for trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: FL

Complaint narrative:
I have been making electronic check payments to Navient. It takes about 5 days before they are posted. They do n't give a confirmation number when you submit them. In addition, there does n't seem to be any customer service contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Extremely long wait to be attended through inside lobby. This happens every time I come to Bank of America. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer.

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 2017-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: GA

Complaint narrative:
In accordance with my rights under the Fair Debt Collection Practices Act, I am hereby requesting formal validation of the alleged debt you are reporting to the major credit reporting agencies on my behalf. Please note that I am not requesting a simple account summary but instead you should forward the following information in a timely manner : 1. Validation that the alleged debt was established, including a signed application for credit. 

2. Formal certification that the alleged debt was transferred to a third party if applicable. 

3. Notarization regarding the alleged debt 's P & L application to federal or state tax write off. 

4. A complete monthly accounting history from the alleged debt 's inception through the present date, including any alleged charges, penalties, service charges, and payments, as well as a certified attestation regarding current status. 

5. Documentation regarding your company 's compliance, including applicable bond, regarding debt collection laws in my state. 

I will look forward to receiving the requested documentation so that this matter will not escalate further. Otherwise, you are prevented from reporting this account to the consumer reporting agencies. Any further reporting is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809 ( b ) 15 USC 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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: AZ

Complaint narrative:
I went to XXXX in 1989. I started with a {$6000.00} loan. I was a single mom and could n't pay this loan. It is now $ 39,000+. I wanted to go back to school so I contacted XXXX for my transcripts. THERE 'S NO RECORD OF MY EDUCATION? NO RECORD OF MY XXXX. This school closed down many years ago. My question is why do I have this outstanding loan with no record of my education that I would even be paying for?!?!?!? 

Navient is my lender. They will get me no answers or resolutions XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: MO

Complaint narrative:
I paid my XXXX XXXX credit card bill online through XXXX XXXX 's website after XXXX cst on XX/XX/XXXX-17. When I checked my checking account through bank of america the next morning, I showed a transaction processing on XX/XX/XXXX-17 for the payment I made after XXXX. I am not sure why this payment was processed after XXXX on the same business day when I did not pay with a debit card, I paid per my checking account. I have never had a transaction paid through someones website process the same day. This is not possible.

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 2017-01-19 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: PA

Complaint narrative:
I have been complaining about this company and their servicing of my student loans for years! Please add me to the list of people who deserve to be rewarded for having to deal with them. They have caused me a great deal of pain over the years and it continues to this day. Thank you for finally protecting the consumer. I believe I would be an excellent person to testify against Navient/XXXX. Please contact me if it is possible to be a part of this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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: NH

Complaint narrative:
In my previous complaint to you I advised that XXXX/Navient cancelled my interest rate reduction program that they provided to me after my first complaint through you. Well, this is my third complaint and I am letting you know that they have again canceled my interest rate reduction program. I need help. 

Again, they send a document to their online platform for me to review rather than just sending the document to my email. I need to stay informed. I need my interest rate reduction program reinstated in order to afford my student loan. I can not afford their current 9.75 % interest rate on my current balance of {$82000.00}. 

Take a look at the transaction history I have attached and see if you can make out what exactly happened to the account. All the " Adjustments '' and capitalized interest I had no idea about. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
This company Seventh Avenue had charged me {$20.00} for a shipping charge. I had placed an order with the company in XXXX. I ordered XXXX pair of curtains. Remind you that I had to pay for the shipping and handling before they would send the merchandise to my address. I received the merchandise and did not like the them at all. I let the company know that I was unsatisfied with the merchandise and wanted to return them back to the company. They wanted me to print out a returned shipping label and send it back and I did. Later they sent me a notice to pay them a shipping fee charge. I did n't understand why because I felt like it was unfair. I paid to get it shipped out and they let me print out a no charge shipping label to return it back to the company, which I thought was fair. I did n't get anything else for them. Now they have this shipping charge fee on my credit report as negative, charged off {$20.00} written off {$20.00}, past due as of XX/XX/XXXX. This is not right at all. I had written to this company about I am disputing this item and wanted them to prove it by validating this account with documentation bearing my signature. They responded by saying I had nothing to dispute. After 30 days, they never put the disputed by consumer onto my credit report. They broke the law. I want this entry deleted. I had written a letter to them about settling this account in exchange to delete the negative remarks from my files. They never responded back. I had also written letters to XXXX XXXX, XXXX and XXXX to investigate the entry on my credit report and they responded by saying the company validated the account was mine. They also never put the disputed by consumer on my report either. They did not verify the company properly because I wanted copies from the company bearing my signature associate with the account that I owe the money to them. Seventh Avenue have completely avoided me and my letters and they have broken the FCRA law. I wanted to pay the {$20.00} in exchange for them to remove the negative remarks, now I am willing to go to small claim court against the company. I will be seeking {$5000.00} in damages for 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA. Very serious and willing to make that move if this entry is not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the past, I have requested the assignment of qualified, professional, and knowledgeable single point of contact ( SPOC ) be the Bank of America Customer Relationship Manager ( CRM ) assigned CRM/SPOC and that the individual SPOC, the SPOC 's unit, and the SPOC 's supervisor be bona fide Bank of America employees who actually are available for person-to-person telephone contact to communicate the current home loan mortgage account status, activity, decisions, documents and documentation during normal business hours and days. While there have been a multitude of SPOCs assigned to gather, organize, and disseminate account documents and information and be current on account activity and status, not a single one has been able to preform their duties as required per the National Mortgage Settlement ( XXXX ), RESPA enforced by Regulations Sand Z, and California Civil Codes XXXX and other applicable law, agreements and settlements that dictates how the single point of contact is to execute their duties and interact with the borrower. I know this because I have never been informed by any SPOC of the fact I was approved for a MHA HAMP and was directed to be placed in a MHA HAMP TPP as early as XXXX 2012 by the Bank of America Appeals Department upon completion of an appeal or other escalated case.

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.

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