vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I received a call at XXXX from Navient . I had just fallen asleep from working XXXX once the operator on the phone stated they were from Navient and this call will be recorded I hung up b/c of the time and knowing they are not even supposed to call this early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Pay Pal Credit, formerly Pay Me Later, is somewhat of a scam which uses unfair lending practices and excessive rates and penalties on EBay customers. 
I am an longtime EBay vendor/buyer who had a Pay Me Later account, which was supposed to be closed. Their virtual option button comes available on most EBay purchases, and was somehow activated on several purchases earlier this year, of which I was unaware. The charges were hidden until I began to receive late notices, and finally was able to track them down. After numerous calls to EBay and Pay Pal, I determined the situation and sent them the payment. They continue to add late payments upon late payments for the past 4 months, in spite of my attempts at reconciliation. 
All of the present charges of around {$200.00} are stemming from an original late charge of around {$30.00}, which is added monthly, regardless. 
This is unethical, in view of the fact I reimbursed them the original purchase amount of around {$130.00}, months ago. I refuse to pay late charges of a greater amount than the purchase price, which have accrued in only 4 months, and continue. 
This is extortion and has to be against US fair lending laws. 
I demant they cease and desist, and have put that in writing and phone calls/emails. 
There are so many complaints about PayPal it is ridiculous. 
Who protects the XXXX XXXX from thieves like this organization?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 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: MA

Complaint narrative:
I called Navient ( XXXX XXXX ) to see my options regarding reducing my interest rates ( 9.75 % and 5.25 % respectively on my XXXX loans ). I explained that my reason was I had received an offer from a competing institution to consolidate my loans under a much lower/fair rate. However, the " manager '' I eventually spoke with ( employee ID XXXX ) told me that they do not care if I left, they do not need to adjust their rates and they do not alter the term of the contract ( oh, but I could extend the loan to lower the payment instead-would I be interested in that? ). I explained I wanted to simply understand what my options were for lowering my interest rate at Navient rather than completing all the paper work for paying off the loan through a different finance company. Instead, I was surprised to hear him tell me that he did n't care if I left, Navient as a company does not need to lower my interest rates. Yet my contract states it is a VARIABLE interest rate, so it seems to me that Navient 's position is that they can raise the rates whenever it is beneficial for them, but will never lower them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A request for a Loan Modification was filed by borrower in XX/XX/2015, Servicer Bank of America denied the loan mod on XXXX/XXXX/2015, a Short sale was submitted on XX/XX/2015, bank of America denied the short sale by stating occupancy of the property was misrepresented. 
Borrower 's homestead is the property in distress XXXX XXXX XXXX XXXX XXXX, because of work reasons her employer has given her temporary work assignment is different States, the last being XXXX, where it was just terminated and she is back home. 
The property has been occupied by her parents and her only child, they have always live in the property. 
We files an escalation with XXXX the investor of the loan and they instructed the negotiator negotiating the short sale, to submit a request though the home path ( XXXX System ), but we also needed to re start the process with BOA as well, we did and it was declined for the same reasons. 
We received a letter allowing us to the Short Sale and the same date we received a letter denying the Short Sale. 
The borrower is entitled to a short Mitigation Option and there is a purchase agreement, meeting the bank 's value. Against CFPB regulations to stop the foreclosure sale until we finished the process, ON XXXX, the bank through its counsel filed a Motion to set foreclosure sale date to XXXX. 
The borrower has a child and XXXX elderly parents who live with her in the property. 
We believe the servicer is not reading the rebuttal sent to them and is ignoring all explanations. 
Bank of America wishes to continue with foreclosure in order to later transfer tittle to institutions such as XXXX or XXXX so the properties can be sold as bulk to investor all over the Nation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 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: GA

Complaint narrative:
I am a bank of America customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was told that it could be wiped off and consolidated but they just kept putting it in forberance and adding interest every time. I 'm a single mom with no income at the moment. I have n't worked in a long time. I have explained this numerous times to them and was told it would get taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid my Macy 's American Express balance in full by phone on XXXX XXXX, 2015 in the amount of {$820.00}. On XXXX XXXX, 2015, I received a billing statement from them saying I owed a past due amount of {$24.00} and they charged me a late fee of {$35.00}. I called immediately and reviewed this inaccurate information and it was the first time I was notified I had a balance since paying in full in XX/XX/XXXX they apologized and immediately reimbursed me the amounts in their error. They turned around and lied and reported me for 30 days late. I want this removed immediately from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, 2017 CFPB : Bank of America/Countrywide refuses to disclose to me the information about my XXXX Mortgage Loans that it has reported under the XXXX. I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
My complaint is about my daughter 's college loan debt through Navient. I am the co-signer. I receive mail, email, and phone calls from them. 
Navient calls me at least XXXX a day seven days a week. If I answer, they ask for my personal information- my birthdate. I have told them at least XXXX times that I will not give this information over the phone to someone that calls me. I have asked them to stop contacting me by phone. My daughter is behind on her payments. Her husband has had some periods of unemployment so she is doing the best she can. I have responded to them by email and told them that my daughter is responsible for the loan and that she intends to pay it off. I have never heard of a co-signer being harassed this way. The loan has not gone into default.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was paying off my principle and interest on loans while I was actively enrolled in school. I read that by doing this my interest rate for future loans would be reduced rather than continuing to increase. However, my interest rates continued to increase significantly even though I was paying some of my loans off in full. They also did not provide loan repayment options, help with consolidation, or track my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Challenge questions on factXXXXequifax.com to receive XXXX report were answered correctly by me. Challenge failed. Conclusion : Equifax has incorrect information on file. Calling to complain, I was sent to XXXX different phone numbers. None of the agents understood or solved my problem. They simply sent me to another number. 

The final agent sent me to a number that started the whole request process over again. 

Bottom line : Equifax 's challenge question answers are WRONG and there is no one who will correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I asked for them to stop calling and put me on the do not call list because i am not the person they need to contact. The person on the phone became rude and hung up on me. Dhe attempted to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX l received a package letter from the Bank of America (XXXX) stating the my Loan modification paperwork was not filed correctly and needed to be refiled and upon completion a check in the amount of $XXXX will be given to me after signing their new Loan Modification Agreement is signed. Countrywide Mortgage was my original Bank. XXXXcalls me every other day and this weekend a property appraiser from them dropped off another package of the same documents My addressXXXX FL. XXXX. XXXX. I have an appointment them XX/XX/2015. Should I cancel the appointment until l hear from you?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation