vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 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: NC

Complaint narrative:
I would really like to know whynavient did not discuss all the options I had to repay my loans. I am XXXX XXXX XXXX this year and my life is just about over. I survived XXXX and XXXX for 5 years and only to have this worry me. M doctor has warned me that the XXXX will bring a onset of XXXX which is not good. I survived XXXX for this. If they had told me this long ago instead offering all the deferments and forbearance my loan would have been 10 years paid on. Now as a XXXX survivor, I have XXXX loans, a lot of threatening email, more than I have got before and I have no options Why was this not discussed with me before. I need to know this. why di they not discuss this with me. why did they just ofer the forbearance and deferment when they called and never try to explain to me how this would affect me years down the road. I want to know why they never offered me any options to manage my loans and now they are making it look like it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
SEVENTH AVENUE SHOULD PAY THE ACCT IN FULL AS THE INSURANCE OIN THE ACCT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was in the process of consolidating some items and my credit report was request. The lender indicated that Bank Of America was reporting payments late back about 7 years ago. I had the item researched with the credit bureaus and yet no one can give me valid proof as to when this account fell behind. I then turned my attentions to Bank of America directly with the hopes they would be able to send the information to me and they did not respond to the request. I would like to see the full history of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX - I applied for a home mortgage at Bank of America, completed all the paperwork, and was told 'everything looks good by Sales Associate XXXX XXXX . 

XXXX XXXX - XXXX called to get my credit card number to charge {$470.00} for an appraisal. 

XXXX XXXX - XXXX called and told me the underwriter denied my loan because he 'did not FEEL ' my situation merited a short sale. ' ( Note : I was applying for a morgtage, not a short sale ). There was no further explanation. XXXX was very terse, not his usual business voice. I was too stunned to ask any questions, so I hung up. 

XXXX XXXX - I Faxed a letter of appeal to XXXX XXXX, Vice President and Sales Manager, asking for, among other things, an objective explanation in writing for the denial. He emailed me that he would send it to the manager of UW ( underwriter? ) department. 

On XXXX XXXX - I emailed XXXX to ask when would I receive my refund of {$470.00} for the property appraisal since the loan was denied and the property was not appraised. He emailed he would take care of it. 

XXXX XXXX - I called XXXX to find out who I should call to find the status of my Appeal Letter. I got his voice mail advising callers to call his associate, XXXX XXXX. I called XXXX and he said the files show my loan as PENDING, not denied. He said the underwriter was waiting for additional documents. I told XXXX I had emailed the said docs to XXXX on XXXX XXXX but would resend them. XXXX said I should hear something by Tuesday, XXXX XXXX. 

XXXX XXXX - Called XXXX and left a message ; Called XXXX and again asked status of loan/appeal. He said the loan had been CANCELLED and the underwriter said I had garnishments, foreclosures, bankruptcies late payments, etc. 

I had a short sale 2 1/2 years ago and XXXX XXXX discharged the loan because of a medical hardship. XXXX knew this at the beginning and thought it might be acceptable to the underwriter. In fact, he indicated a former underwriter in his department looked over my docs and thought my issues " merited a short sale, that things looked good. '' I have NEVER had a foreclosure, late payments, etc. If that was the case why did XXXX accept my application in the first place? 
I told XXXX that was absolutely NOT TRUE and if that was the case, why was n't that information on my credit report and how could I have a credit score of XXXX. He said he did not know, he was just the messenger and he would have XXXX call me.

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 2015-11-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Bank of America owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Bank of America called from XXXX, identified herself as " XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said " Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Bank of America is n't good for their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, " If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A BOA representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I placed {$1200.00} in my Bank of America credit card account. Bank of America reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.

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 2017-01-20 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: GA

Complaint narrative:
To whom it may concern, I, ( XXXX Brown XXXX, Currently do not dispute my ( Navient Student Loans ) either as reported on my credit report or directly with the creditor. I request that the indication of a dispute and all comments in the comment section is removed from my report. I am trying to close on my home and need this done ASAP. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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 set up monthly recurring EFT payments with Navient. After my XXXX payment was processed, Navient charged me again without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I consolidated my loans originally in 2007 for a certain amount. After I consolidated and signed my consolidation papers, the servicer added an additional {$100000.00} into the consolidation without my knowledge or approval. Now Im being forced to pay for loans that I didnt take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was late on a payment once in the 3 years i had this credit card. I did not realize i had not paid a payment. I am currently trying to purchase my XXXX home, which has been my dream forever, and due to this XXXX late payment showing on the credit reports it is decreasing my score and hindering my chances of purchasing a home. Again, I dont want sympathy i know i have screwed up but i had the card 3 years and XX/XX/XXXX when I realized I had not paid the XX/XX/XXXX bill I paid the card totally off leaving a XXXX balance. I just want this taken off of my credit report. I have worked hard at rebuilding my credit since my Bankruptcy in XXXX. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America charging interest rates even though account was paid off and closed. They keep charging interest payments and seem to not close account even though I have called numerous times.

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 2017-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
MY BOA MORTGAGE IN XXXX XXXX WAS {$790.00}. BOA THEN INCREASED IT TO {$1100.00} BEGINNING XXXX XXXX. IT WAS AN INCREASE OF {$340.00} DUE TO AN ESCROW SHORTAGE POSSIBLY. SO I PAID {$4500.00} FOR XXXX, XXXX, XXXX, & XXXX XXXX. 
ON MY STATEMENT I SEE THAT THEY PAID {$710.00} FOR COUNTY TAXES. 
I FILED A PREVIOUS CFPB COMPLAINT DUE TO THE {$340.00} INCREASE ISSUE. XXXX XXXX BOA INFORMS ME THAT MY MORTGAGE IS GOING TO BE {$890.00} BEGINNING XXXX XXXX. 
HERE 'S MY QUESTION ... .WHERE DID MY {$4500.00} GO? BOA PAID A CO TAX BILL OF {$710.00} AND TOOK CARE SUPPOSEDLY OF AN ESCROW SHORTAGE ... UNKNOWN AMOUNT ...??

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 2016-02-02 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:
Bank of America would not let me open account without providing my ssn

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX , XXXX is reporting a collection on my credit report that has been inactive for more than 7.5 years. I have requested that XXXX XXXX XXXX , XXXX show me the most recent record of payment on this collection and they have failed to produce this information. I would like this collection removed from my credit report immediately.

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 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have no knowledge of this debt and want it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Original creditor continues to sell collection included in a XX/XX/XXXX chapter XXXX discharged bankruptcy. The new open collection has been removed in the past and returned under a new company. The collection is from XXXX XXXX and should be deleted and not appear as an open collection,. I disputed with XXXX and status remains open and states consumer disagrees it should not be open. Creditor needs to close or delete collection per BK law or be fined.

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 2015-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Purchase house in 2005, value at that time {$220000.00}, value now around {$200000.00} ; at time of purchase with Bank of America, HELOC used as part of purchase, {$46000.00}, HELOC at XXXX yrs., paid around {$24000.00} in interest/XXXX., for next XXXX yrs. to pay $ XXXX/mo., for additional {$75000.00}. Bank unable to refinance for lower and fixed interest due to value of house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!! BANK OF AMERICA HAS HAD ME IN LIMBO WITH THIS FRAUD CASE FOR OVER 12 YEARS!!!!! If this is not resolved this time, I WILL SCREAM FROM EVERY ROOFTOP AND IN FRONT OF EVERY TELEVISION CAMERA I CAN FIND!!!!! XXXX XXXX ; Case Manageer from BANK OF AMERICA NEVER FOLLOWED THROUGH!!!! XXXX XXXX ; Customer Advocate NEVER FOLLOWED THROUGH EITHER!!!! I HAVE RECORDED MESSAGES, ALL KINDS OF PAPERWORK VALIDATING EVERYTHING!!!!! THIS MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!!

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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I graduated school in XXXX borrowing a total of {$60000.00}. I recently took a personal loan to pay off the balance of {$72000.00}. All in, {$39000.00} in interest was capitalized and was added to the principal balance and I paid {$99000.00} principal, and an amount of {$51000.00} accrued interest was also paid, totaling {$150000.00}. For a loan of {$60000.00}, I paid a total of {$150000.00} over the course of under 18 years. I have been XXXX XXXX military XXXX over the last several years, and am currently in XXXX. For the last several years I took advantage of the lower interest rate under SCRA. Even still, I have been paying more than the minimum payment, however, almost all of the payment went towards interest, without making an impact on the principal. Additionally, the allocation towards interest and principal fluctuated month to month. Even though I was paying over the minimum balance, the principal continued to creep up to a point where I would never be able to pay the loans off. For example, I made a payment of {$400.00}, more than the minimum payment, on XXXX XXXX, XXXX. Only {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like to make a complaint against XXXX and Bank of America. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Bank of America credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Bank of America and they would not reverse the charges so I would like to complain against them as well.

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 2016-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was on the Income Base Repayment Plan ... my monthly payment was {$69.00}. After reapplying for the IBRP my payment increased to {$230.00} ... as a teacher this new payment was not in my budget. I could not make the payment the first month ... when I called to ask about why the payment increase I was told that in order to avoid being sent to collections that a forbearance was my only option. My balance was finally below {$100000.00} prior to this phone call ... I received the new document outlining the new terms and was absolutely astonished to see that they added {$47000.00} increasing the balance to {$140000.00}. It is outrageous that XXXX missed payment of {$230.00} would end up costing me {$49000.00}.

Company response to consumer: Closed with explanation