vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America credit card Account was charged off in XXXX of 2014 after being 60 days late. I recieved a bill from the bank in XX/XX/XXXX stating I was past due but had no warning of the charge off taking place XX/XX/XXXX. My concern is that this charge off took place after only 60 days of delinquency. I attempted to contact Bank. Of America and ask why I was charged off after 2 months and was told. That 's what we do with partially secured accounts. Aside from this charge off status, my payment history and late payments do not match up with XXXX, XXXX, and XXXX. This inaccurate reporting led me to dispute with The XXXX CRAs last XX/XX/XXXX as of XX/XX/XXXX all came back as accurate and verified from Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CA

Complaint narrative:
My account skyrocketed after unbeknownst to me i was paying interest only for 5 years and my loan balance never went down!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After a 3 month trial modification, in XXXX 2015 I signed papers for a modification with Bank of America. Less than 2 months later, I received a letter stating my payment went up an additional {$50.00} per month despite the original agreed upon amount. Bank of America as been proven to be unscrupulous with their tactics over the past several years in regards to my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
They keep calling my number and asking for my daughter who does n't live with me for 5-6 years or longer and who is XXXX years old.I try to talk to with some persons try to tell them that we are not in good relationship and that I do not know where she is, but they just keep calling me and switching the numbers that they call me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: CA

Complaint narrative:
Every year I receive a letter showing the " interest '' paid to my Student Loan, so I can deduct it from my taxes. This year they did not send the " interest '' letter, so I wrote to them requesting that they send the " interest '' letter. 
What I received instead was a letter threating to garnish my wages in spite of the fact that I 've made on-time payments since XX/XX/XXXX. 
The bills I received were from US DEPT OF ED - XXXX XXXX XXXX - XXXX XXXX XXXX. 
The threating letter was sent from PIONEER CREDIT RECOVERY - XXXX XXXX XXXX - XXXX XXXX. 
I responded by sending a letter showing the payments made through my bank from XX/XX/XXXX-XX/XX/XXXX 
It 's XXXX XXXX, and I still have not received the " interest '' letter. 
I 'm just waiting to see if they garnish my wages.

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 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have complaint about fraudulent practice of bank of America before 2014 they give a called loan modification in this loan modification was only for the purpose of taking my house tile and putting into their name I hired a lawyer but they only XXXX me out he told me that my only option was to sign the papers and in a year if I make my payments I will be able to get another loan modification or rifanance I try to get them to help me but they wo n't called me I tray XXXX but it 's the same it looks like their fraud was well done with the help of the lawyer I got to help me my regular payment was XXXX I was never late even I m in XXXX and my income is limited I did n't know anything about this vacate final judgements I got this paper today and las Tuesday last Tuesday I called the clerk of Cort but they say there was not recorded as bank of America is discriminate against me and if for some reason my helth gets worse I blame bank of America for his fraudulent practice against my person

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 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Central Financial Control & Syndicated Office SYstems per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: MO

Complaint narrative:
As of XXXX 2016 Navient charged off my private student loan yet they continue to report different past due amount to the credit bureaus as well as lie about what my monthly payment is. My monthly payment has never been {$440.00} but this is what they are reporting and they keep saying my last payments were different dates. To my understanding if you are going to charge-off an account then you can not keep updating the account status every month as past due with different information. Also I was in a payment plan XXXX of 2016 and made the first 3 payment but then got behind yet they are still attempting to take money out of that account which is not closed even though I do n't keep money in it and that is in the amount of {$250.00}??? every month. So how can they report my account being charged-off, and past due in different amount and still try to take money? I reported them before and all I got was a bunch of lies so hopefully this time will be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I began a loan modification with boa for a heloc XX/XX/XXXX.I recvd signed final mod papers fom boa XX/XX/XXXX boa never closed nor notified me sent new heloc mod papers signed and final by boa XX/XX/XXXX.as of this date XX/XX/XXXX the mod has not been closed and credit has not been adjusted. i recvd letter from boa XX/XX/XXXX stating that credit report adjustment to remove delinquencies from XX/XX/XXXX to present was submitted.boa then put the loan back into default where it is till present stating loan mod has not closed and the 30-60 days is " not a given '' .I have asked for a statement of payment history and have been told by XXXX ( cust relat manager ) that is was sent but have no control over us mail.i requested this over 21 days ago.it has taken boa over 14 months to mod this heloc and per boa is still in the closing process

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 2016-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX RE : Bank of America Home Loans Account # XXXX To Whom It May Concern : We are a mother and daughter team who started a loan modification in XX/XX/XXXX and after completing numerous applications we are no closer to having this happen and are being threatened with a foreclosure. 

We have submitted several QWR 's and have not received the entire documents requested. Over the course of this process, we have been assigned more than XXXX member representatives, after being told in writing by the CEO, we were being assigned a representative that would be with us through the entire process of the loan modification. We were told on many occasions that the documents we sent to BOA, via XXXX XXXX or by BOA fax were not received, resulting in starting new loan modification requests. 

I am a XXXX survivor with a XXXX and during this process have become XXXX and XXXX due to this XXXX process Bank of America continues to inflict. My daughter XXXX became ill and was diagnosed with having had a XXXX XXXX. Over the course of this process, she has had several more and can no longer work. She has now been diagnosed with an XXXX. We would like to keep the home I purchased XXXX years ago. 

I went to XXXX County Housing seeking help and was informed by XXXX XXXX, the Director of the XXXX program, that the loans on my property were illegal. The XXXX program was how I became a XXXX as a young XXXX mother of XXXX. XXXX XXXX provided me with a copy of my deed and explained that there are restrictions on the property that would not have permitted the loans to be approved. Although with each loan we paid for a title search and title insurance to the lender the searches were either not completed or ignored. Had the title searches been performed and reviewed, the person ( s ) doing the search would have informed the lender of the restrictions on the property. Thus, they would not have approved and completed the loan request. 


I explained this to my lenders XXXX XXXX XXXX XXXX and Bank of America. After XXXX XXXX researched the information and reviewed the deed, they have given us a Lien Release as paid in full. To date, we have not been able to get Bank of America to reply to or acknowledge our requests for the same. 

We are both, me at XXXX and XXXX at XXXX, dealing with XXXX and do not want to be homeless. So, we are imploring CFPB to help us. It has been a very difficult three years with all the game tactics Bank of America has invoked upon us. 

We are now in a time restraint and would like to hear from you and praying for a solution. 

Warm Regards,

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 2016-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX I requested Bank of America XXXX BOA ) to transfer XXXX ( {$4000.00} ) from my current account with BOA XXXX California to the current account I have with XXXX Bank in the XXXX. The transaction was acknowledged by BOA however the money despite a thorough search by XXXX did not, and has not, arrived in my XXXX account. 
On examination, the sort code used to transmit the money BOA was completely different from the sort code for my XXXX bank I supplied BOA. ( however the account number for my account was correct. ) IN FACT THE SORT CODE USED TO TRANSMIT THE MONEY WAS FOR A SUBSIDIARY OF SANTANDER THAT WAS DISSOLVED MANY YEARS AGO. ( COINCIDENCE? ) I have spent well over XXXX hours of XXXX phone calls to BOA, XXXX investigative team only to be told that BOA were not at fault AND THE FAULT WAS MINE FOR GIVING THE WRONG SORT CODE. I had same negative response from BOA following my request on the XX/XX/XXXX to have the case escalated. 
Interestingly XXXX XXXX XXXX XXXX of the BOA investigators assigned to the case admitted on the XXXX of XXXX in an Email to XXXX Attachment XXXX ( quote ) " that this payment ( from BOA ) was sent to sort code xxxx in error ( to a company ) which was formally XXXX ''. 
Please note that this company was dissolved many years ago and as such is no longer in existence. 
XXXX can only conclude that from this admittance of error that BOA is at fault in failing to take adequate measures to ensure safe passage of the wire transfer of funds. 
Please note this admission of error by BOA preceded their letter to me of the XXXX XXXX claiming no fault on the part of BOA any thus denying my claim for return of funds.. 
Attached to this submission are copies of the documents relevant to this case including a copy of my letter XX/XX/XXXX appealing the BOA investigative teams decision ( Attachment XXXX XXXX ) which outlines in depth my case for appeal, also a copy ( Attachment XXXX ) of the letter to me from XXXX dated XX/XX/XXXX that contained a copy of the admittance of error by XXXX XXXX Attachment XXXX also highlights my concerns that regarding the possibility of security infringement with this wire transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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:
Hi there. 
My complaint is regarding Bank of America ( BoA ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that BoA had enrolled in an " Advantage Program '' which gave me " various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while BoA investigated the matter. I also requested that the charges be reversed and that BoA remove me from any " Program '' which resulted in my being charged monthly for " benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which BoA had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) " program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the " enrollment '' date, it would be up to me to then take a further step of visiting a BoA branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-05 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: NY

Complaint narrative:
I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter.

Company public response: Company 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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had a private student loan with XXXX now known as navient. When I was struggling to repay my student loan due to unemployment with no income they gave me little room for referral or chances to pay the money back. They went after my consigned and negatively affected their credit score even while I was paying them as often as I could. They would not allow any kind of deferment due to hardship and when I was back on my feet they had already sent my account to collections with no warning to haggle my entire family. This has caused a lot of financial issues stemming from a loan to help further my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account is once again showing a current past due amount having already received confirmation there was not one ( see all attached documents through a past dispute resoluion through CFPB ). This has been going on for almost two years. Clearely there are not processes in place to ensure this does not continue to mistakenly report innaccurately. I also sent numerous correspondences by phone and email to BAC requesting they remove the tradeline to match what XXXX had done to ensure the problem would not continue ( attached as well ). I never received any reply.

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 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham.

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