vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX XXXX I closed on a new construction home. On the HUD statement I received a tax credit from the home builder for the months in XXXX I did not live in the home. I paid the full XXXX tax bill to XXXX XXXX on unimproved taxes. In XXXX XXXX XXXX billed me on unimproved taxes again which I paid. Early this year in XXXX XXXX XXXX sent me an amended XXXX bill based on improvement to the property that happened prior to XXXX XXXX XXXX. This was a non delinquent tax bill and had a due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Bank of America paid the tax bill and forced an escrow account on me and increased my payment 100 %, from {$3500.00} to {$7000.00} a month. The reason Bank of america forced this on me was due to delinquent taxes for XXXX. I called Bank of America up and advised them the the taxes are not delinquent per talking to XXXX XXXX and they needed to refund me the addition money they took from me for the taxes and to remove the escrow account. Note XXXX/XXXX/XXXX & XXXX/XXXX/XXXX I made the increased payments. Additionally the XXXX tax bill is out and Bank of America paid this bill as it is n't delinquent. My complaint is that Bank of America has illegally auto draft these additional monies from my checking account and holding them in their escrow account which is earning interest on the escrow monies they hold. BOA paid a bill that they should have not paid. This is a violation against the Deed of Trust as it states that this can only be forced if delinquent. I want my escrow account removed and I can either settle the bill with the taxing authority or Bank of America. This is a servicing violation on the servicing regulation rules set by the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My debit card was stolen on XXXX 2010 and was reported to bank of America suddently. Now i have in my public record a judgement ( Bank of america ACCOUNT XXXX Court XXXX cnty reg mi, Filing Date XXXX XXXX, 2010 Amount {$14000.00} ) that is damaging my credit and my life, making impossible to me get credit from any bank agency. i can understand how they paid that amount in a fraudulent transaction if i only have in my account {$200.00} at that time when my purse was stolen with all my documents and was reported inside the bank premise. 
Please I want your assistant in this matter to solve it once for ever. 
Sincerely 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 explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-28 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: IN

Complaint narrative:
shortly after graduated I started paying student loans and I called Navient to set it up so that my monthly payment would go towards highest interest rate first. I was denied multiple times and, after 2 years, was told by one associate that she could split my loans up in XXXX separate buckets. XXXX with higher interest rates and XXXX with lower interest rates. However, my monthly payment had to sprinkle across all loans. The only thing I could do was make additional monthly payments ( on top of my minimum monthly payment ) to the highest interest rate group. I 'm basically getting nowhere with this set up and I should be allowed to apply my monthly payment towards the highest interest rate loan first.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america.

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: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has repeatedly represented to me l have submitted multiple requests for mortgage assistance ( RMA ) without providing copies of the RMAs upon receipt of my requests to do so. 

Starting in XXXX, Bank of America began to provide me with boiler plate template letters stating I have forwarded financial documents as part of a RMA application package. Since XXXX I have requested these documents and informed Bank of America of my on going concerns regarding identity theft and that Bank of America may have compromised my financial, personal, and privileged information since I have not submitted any documentation whatsoever as part of a new RMA or modification application package constituting reapplying or restarting the modification process as the modification process based on my RMA of XXXX XXXX and subsequent application package of XXXX XXXX is pending to date, as a matter of law, and will remain incomplete until a written determination letter is issued to me by the Appeals Department based on the XXXX XXXX, XXXX Appeal Report conducted by Appeals Specialist XXXX. 

107 ) Federal Trade Commission Act. 
108 ) Fair Credit Reporting Act. 
109 ) Equal Credit Opportunity Act. 
110 ) Home Mortgage Disclosure Act. 
111 ) California Identity Theft Resolution Act. 

Smart phones got apps. The government got Acts. If financial institutions are doing things they know they should n't, chances are there 's an Act for that allowing for the behavior to be addressed. 

All previously mentioned resolutions are desired and mandatory. Additionally, Bank of America must provide complete true and correct copies of all RMAs, application packages, and supporting or supplemental documentation along with all modification initial determination letters and subsequent appeal determination letters, if applicable, associated with 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 2015-06-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed complaint against Bank of America refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against XXXX XXXX XXXX from Bank of America. They do not want me applying a credit card with reward points that they do not like my appearance and XXXX issues. I complain against Bank of America that they insulted me in XXXX addresses that they denied my reward point with credit card application because of bad credit record and overdraft records. Report to US Senators and Speaker XXXX XXXX in charging serious requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: NY

Complaint narrative:
Beginning in XXXX and for about two years thereafter, Bank of America repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that BoA had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of BoA 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to BoA as we began using a different card for all purchases, minimizing our usage of anything BoA-related.

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 2017-01-29 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: NE

Complaint narrative:
I 've had several instances. The first one was when I made a payment and navient decided to allocate funds from one of my loans on the other leaving me short on one of my loans causing me to get a late fee and a hassle to get them to fix it on there end. And I 've also experienced many times when they 've taken a smaller amount of funds for my loans leaving me with late fees. And because of these late withdrawals and leaving me short they 've increased my interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been paying approximately {$680.00} a month for my college loans. 
XXXX loan is provided by Navient and this is the loan that is causing all ofthe trouble. My Aunt has cosigned on this loan for me and she has XXXX and she has been subjected to XXXX to XXXX calls a day, not onlyto her home phone but to her place of employment also. This has to beillegal so I am writing to you for help. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 
I have had people promise that they would stop calling my Aunt knowingher physical state and XXXX. I gave them approval to take electronicpayments from my account and after a month they took a monthlypayment plus over {$500.00} which overdrafted my account for multipleother bills I have. It then took over a month to get back the unauthorizedwithdrawal. I know that Navient is connected to XXXX XXXX so there mustbe some ability for someone to intervene and stop this harassment of avery XXXX cosigner, my Aunt does n't deserve this and I would like to haveher removed as a cosigner. I intend to keep paying my loans butsomething has to change, please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 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: TX

Complaint narrative:
On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and Bank of America ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, Bank of America and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party XXXX. 

As per the aforementioned defense, XXXX predecessor, Bank of America, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, XXXX contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to Bank of America or XXXX since the foreclosure sale on XXXX XXXX, XXXX. 

XXXX is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus ( XXXX. ) Bank of America is claiming the house was foreclosed and they are seeking rent post foreclosure. 

XXXX is claiming I contractually owe them from XXXX XXXX. 

To add on, XXXX is reporting to XXXX that the loan is a contested foreclosure. 

XXXX is reporting contradictory and false information to XXXX the credit bureaus, and me. 

XXXX has not been able to validate their debt collection activity. 

Bank of America and XXXX are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.

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 2017-01-25 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: GA

Complaint narrative:
AFTER ALMOST 6 MONTHS, XXXX FINALLY DISCHARGED MY LOANS THROUGH XXXX. NALNET ADVISED ME THAT NAVIENT WAS NOTIFIED AND I HAVE CALLED, FAXED AND EMAILED THEM WITH THE DISCHARGE APPROVAL FROM NELNET AND THEY HAVE NOT ACKNOWLEDGED RECEIPT OF ANY INFORMATION TO THAT AFFECT. MEANWHILE, THEY CONTINUE TO TAKE AUTOMATIC PAYMENTS FOR THE LOANS FROM THE BANK AND IN ADDITION, I AM IN NEED OF FINDING A PLACE TO LIVE AND MY CREDIT REPORTS REFLECT A LARGE AMOUNT OF STUDENT DEBT AND I AM BEING DENIED HOUSING BECAUSE OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: FL

Complaint narrative:
I have student loans with navient and they are reportinh 2 late payments on my credit report .this is holding me back from getting credit cards approved and the possiblity to purchase a home. I did not know i was i. Repayment period and was not offered a way to post pone payments i found out through my own research online and called back and requested the forbearance because repayment will cause me financial hardship. Not sure if my loan is private or federal, i really didnt know what i was getting my self into, when i originally signed up for college i was u der the impression it was finiancial aid because i did not make much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST
State: FL

Complaint narrative:
On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.

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 2015-08-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I have made a few attempts to make a different arrangement to pay back this payday loan, I can not afford the XXXX withdraws The Cash Store debits my bank account any longer, I have spoken with XXXX the store manager at the Cash Store XXXX XXXX XXXX XXXX XXXX Texas XXXX, she informed me that I made an agreement with the store and signed a contract, which I did, she said she could not help me with any other type of arrangement and refered me to Cottonwood Financial, when I spoke with XXXX from Cottonwood he informed me that he did not have any of my information beacuse I had not defaulted on my loan at that point and I would have to wait XXXX weeks after I defaulted, before he could even talk to me, I explained to him I want to pay my loan I just can not afford the XXXX withdraws of {$240.00} bi-weekly, he was extremely rude and ridiculed me saying he could not help me with anything until my account made it his way. The Cash Store and Cottonwood are incabale and unwilling to help me make different payment arrangments, I am stuck, I can not afford this, my finaces are spinning out of control because of this payday loan, and no one on their end can help me resolve this loan, Its simple I want to make less payments per month. I wish I had not been so confused with all the paper work and understood more of what I was getting myself into. Bottom line is I do not know where to go from here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Today I read about the lawsuit filed against XXXX/Navient. I am a borrower with several student loans with these companies, dating as far back as 2007. I have been the target of deceptive repayment practices, misalocation of bulk, one-time payments despite explicit instructions, and willful, frequent changes to my repayment structures without my knowledge. Please contact me with instructions on how I should proceed. And thank you for what you are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief