vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Sullivan & Terranova
State: WA

Complaint narrative:
this is a multi area complaint. at first several years ago. Sullivan and Terranova, Lawyers, ( XXXX XXXX XXXX XXXX, XXXX OR XXXX, XXXX ) contacted me about a student loan that had not been sent to collections yet due to the fact that I could not pay the amount the loan company wanted me to pay. they said i was going to be sued for the amount due and that i had to either start making payments in the full amount or get sued. I at the time was making {$9.00} an hr in a XXXX job and had XXXX other student loans i was paying the minimum on. I just did n't have the money to pay {$400.00} a month. I know that they could not legally take more then 10 % of my pay for loans and told them That i would only be able to give {$150.00}. I paid that amount every month for 4 years never once getting a monthly statement letting me know my balance or my interest paid for tax reasons. I had asked multiple times via phone calls and was told that they will not give me monthly statements and that if i did n't keep paying that i would be sued. in XXXX on XXXX i I was given money from a family member to pay them off and i offered them {$15000.00} to settle the account. they accepted given that i paid with in 2 weeks. i meet their criteria. they stated that i would get a confirmation within 30 days. its now XXXX/XXXX/XXXX and I 'm still fighting for them to give me a confirmation of my settlement being paid in full. it still reflects on my credit as not being paid off. despite repeated request i have still not been given any details of who they are representing or the ability to ask that company for my payoff letter with loan account number on it. my credit still shows that i owe the money even though they accepted my settlement and payment.

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 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However, after questioning BOA reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like BOA could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16.

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 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have been trying to get Bank of America for almost 4 years to adjust our mortgage. The purchased it from County Wide. Instead because we have never been behind they have now raised our mortgage rate and added taxes and want to place our Flood Insurance. We have paid our taxes and we have paid our taxes and homeowners. When asked for help they have made it worse by increasing our loan and equity payment. We will get to a point that we will have trouble. We discovered that in 11 years we have paid our own flood and have paid taxes and homeowners insurance. We are XXXX and this is our only home. They sent this information to us because we refused to sign a paper saying that we would not sue Bank of America or Countrywide. In our Country Wide loan and Bank of America paid our own taxes and Insurance. They never requested that before. We have paid our Flood and we have paid our taxes. Over all of these years only {$300.00} has been put on our Equity. We are XXXX and will get to a point that we will have trouble. This is our only home. We know that a Class Action suit was won against Bank of America and Countrywide. We were not aware of it at the time. Rather that help, they are trying to make it worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX I sold XXXX XXXX to a buyer on XXXX for XXXX. 
I received a receipt for the Bank of America deposit via the website. I could see that the deposit was made in cash. I sent the coins to the buyer thinking that everything looked okay. 
The next day on XXXX, there was withdrawal on my checking account of XXXX. I called Bank of America the same day.and filed a fraud claim.I called back the next day and they said that not enough time has passed and that they are still investigating what happened. I finally received a call today, XXXX from the Bank of America fraud department and they said that someone else filed a fraud claim on the XXXX and they are holding the money while they investigate. They said that I may be liable for fhe fraud because someone had my checking account number. I explained to them that the checking account number is printed on every check i have written from Bank of America and that the information is not that private. They said it had nothing to do with checks, I guess they did not understand the point I was trying to make.The bank also said that I should file a police report with my local department. This crime occurred in another state, Washington so the police would no power there. I feel that I am being treated unfairly and the money I received in cash to my account for coins that I purchased for about XXXX is being held by Bank of America and is in jeopardy of being distributed to another party which is not right or fair at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: VA

Complaint narrative:
I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Bank of America issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Bank of America to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In 2005 we were rushed through a mtg refinance and were never made aware of adj rate mtg. In the last 3 yrs denied refiance with Bank of America as we were under water on the loan and not Freddie or fannie backed so do not qualify for gov ref programs. BOA lost lawsuit, atty general said set aside $ ( in XXXX ) & help cust with unfavorable mtgs. They have refused and set me up for mod which we denied due to pymt were XXXX from original amt that we were struggling with, so XXXX pymts are impossible. BOA refuses to give us better pymts & lower int rate. Per US Legal BOA is violating court order. We want to retain home. not interested in short sale or deed in lieu, which was explained to BOA. BOA does not respond to e-mails they hav to send via portal which does not work on computer & their rep said it does not work on all comp, yet refuses to send because not secured. Have to answer ton of question to verify identy before they will talk to you very frustrating, they only need XXXX piece of info for validate. They are not lowering pyments or interest and CEO does not call or answer mail send directly to him. WE have defaulted on credit card payments to try to make mtg pymnts. Offer of mod in XX/XX/XXXX/XX/XX/XXXX was denied & BOA has not restored payment to original amt, we denied with several representatives & told denial will return pymts to original amt never happened. BOA has done XXXX drive by appraisals & all different values XXXX done by same person. Home is worth more than appraisals & appraisals are not correctXXXX is more than appraisals. Our loan is not Freddie or Fannie backed so do not qualify for gov mtg programs. Per US Legal BOA sets customers up for failure so they can foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient is still reporting derogatory credit information to the XXXX credit bureaus after the private student loans were defaulted for more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been making private student loan payment to Navient for XXXX XXXX for several months, sending XXXX check to cover XXXX separate loans. They receive the check and it takes 10 days to process and post in their system ( I have mailed payments via priority mail and tracked to confirm receipt in their office ). They called me claiming my payment was late after it was already received, and I told them THIS WAS A VIOLATION OF FEDERAL LAW, since they already received my payment. I also sent written notification of same The next month, they received my payment and applied the entire payment on just XXXX loan, showing the XXXX other loans late/unpaid and charging late fees. There was no notification to me of a change in application of my payments, or I would have written XXXX checks, instead of a single check. 

They have also ceased sending email notices, so I did not become aware of the problem until the monthly statement came through the mail. 

This was all done in retaliation of my confronting them on the practice of receiving my payment and not applying it to my account for 7-10 days, WHICH VIOLATES FEDERAL LAW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-26 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 had federal and a private loan with XXXX XXXX in 2001, I was told by XXXX XXXX that I had an outstanding amount due after I had paid the full amount of my loan, I was told that when Obama came into office, he separated federal and nonfederal loans? and that there was a small unpaid amount of XXXX dollars, that went ( somewhere ). I was uninformed, the debt collection company that contacted me was called XXXX, they were horrible - they were insulting and called me at work, on my cell phone they were relentless. I called them and settled on paying the loan for a fraction of the price I believe I paid XXXX and they agreed to remove the rest of the debt and show it paid on my credit reporting. Earlier this year, I saw the debt magically reappear on my credit report under a new name Navient. I called Navient today to tell them that this debt was paid and to remove false reporting from my credit, I was told by the customer rep, that XXXX now has my debt loan and I would have to go through them to pay again, or provide proof of payment, Navient claimed they had NO control over my account. I understand XXXX XXXX is also Navient and Navient is XXXX XXXX. They keep lying about the loan, and shuffling it back and fourth between entities and adding fees and making it impossible to track, pay, and they claim there is no paper trail, they have refused to provide any documentation, and I have NO way of removing a XXXX year debt from my credit. PLEASE help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have a private loan through Navient, formerly XXXX XXXX. The original loan amount was less then XXXX in 2005. I enrolled in XXXX XXXX of XXXX but had to switch schools after XXXX semester. The program director left the office early so I was charged for XXXX full terms and the credits did not transfer. I am unable to refinance my loan and by then end of the term will have paid Navient over {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CT

Complaint narrative:
Company did not indicate what steps it would take if loans went unpaid. Excessive emails about payments being due but no information. Emails if by any other company would look like harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to send a purchase agreement to get reviewed to have a foreclosure sale postponed. I called XXXX to reach the assigned customer assistance manager He was not in. I was transferred 4 times to different people who did not know where I should send documents or the process. I was even told to call the foreclosure attorney who stated they have to get instructions from Bank Of America and that Bank of America should not have told me to call them Then I called back and reached an office in N Carolina and went back and forth with a rep named XXXX for 92 minutes as he could not find anyone to answer the question Then he said all managers were in a meeting .This was at XXXX XXXX and he said I would get a call back. No one called

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 2015-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX, I obtained a home loan refinance & a Home Equity loan with Countrywide Bank. The loan was subsequently purchased by Bank of America. Due to the inflated home values established by Countrywide, and the loss of my homes ' value along with a verifiable hardship I was granted a principle reduction as part of a Department of Justice mortgage Settlement in XXXX offered by Bank of America. This Department of Justice settlement afforded me an opportunity to bring my homes value in line with the correct fair market value rather than the inflated value originally established by Countrywide. However, remaining at issue is the Home Equity line of credit that was never settled by Bank of America via the Department of Justice for the amount of {$84000.00}. My specific complaint is that the Home Equity Line of Credit was granted to me by Countrywide using the same predatory lending techniques as the primary mortgage. The predatory lending techniques that Countrywide used included using an inflated home value as established by the appraisal company Countrywide owned, using stated income for me only and not both incomes from my husband & I, placing the home loan in only XXXX spouses name when both spouses qualifed and not to mention the bundling and selling of the primary loan and the home equity line of credit to investors. Based on the Department of Justice last settlement in XXXX reached with the XXXX major banks that includes Bank of America, I should be entitled to the provisions of this settlement that specifically addresses the extinguishment of Home equity lines of credit. However, I have been told to contact the mortgage servicer XXXX XXXX XXXX that Bank of Anerica transferred the HELOC loan to for a modification rather than an extinguishment of the loan. This Heloc loan should be extinguished & my credit rating restored. I am unable to obtain affordable credit due to the consistent detrimental negative reporting that XXXX Resolutions does on a regular basis. Bank of America will not assist me in getting this loan transferred back to them to settle fairly. I seek assistance in getting this loan transferred back to Bank of America to receive all of the settlement provisions for extinguishment of the Home Equity line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
[ Case number : XXXX ] Bank of America did n't follow the law by allowing funds in my bank account to be levied even after I showed them supporting documents as well as the supporting CCP codes 704.140/704.160. 

Now a judgement has been ruled in my favor thus doing the job that BofA did n't.

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 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX XXXX, XXXX, I filed complaint # XXXX with the CFPB against Bank of America ( BOA ). This complaint describes neglect and terrible service and business practices by BOA that caused my loan to go into default in XX/XX/XXXX. 
I would like to file a complaint because BOA did not provide a response to my complaint. 
The CFPB file shows that BOA did send a Response to CFPB on XXXX XXXX, XXXX stating they had provided a response to the complaint and will do no further investigation. BOA did not send us a copy of this response or inform us that it had been sent to CFPB. 
The CFPB file has a link to review the " full results '' of the XXXX XXXX, XXXX, response, but no information is provided. 
A note from BOA on the CFPB file dated XXXX XXXX, XXXX, states : " We ca n't include the full results directly in this email because they sometimes have sensitive information. '' In addition to opening a new complaint, please do not close my complaint # XXXX because BOA has not responded to it and because BOA has not provided notice to me that a response had been sent to CFPB on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief