vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-05 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: NJ

Complaint narrative:
If I take out a XXXX loan. I get charged a 6 % or so interest on the loan. The money is taken from my own XXXX account -- my own money, not the banks. I lose all interest on those funds. So basically, the XXXX service provider, is lending me back my own money, taking XXXX risk, taking a 6 % profit, and denying me capital appreciation on those XXXX funds. Effectively they are lending me my own money and raping me on charges. That is outrageous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I received an email from my boss authorizing me to send a wire in the amount of {$21000.00} to a consultant. I sent the wire and when I confirmed this with my boss, he told me he had never sent that email. My IT department informed me that the email was a " spoof '' that came from a XXXX address in Louisiana. I immediately informed Bank of America and put through a request to recall the wire. BOA informed me that they had recalled it and gave me a recall # to confirm. Today, BOA says they have still not recovered the amount yet. The wire was sent to an account at XXXX Bank XXXX in XXXX XXXX, MN.

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 2016-09-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.

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 2017-01-19 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:
Since consolidating my loans I have had a lot of difficulty in obtaining an affordable monthly payment. I have called and been left on hold for long periods of time. I have also actually spoken with representatives that may give me options on the phone, place my loans in forbearance, and then claim I will receive documents in the mail to complete to finalize the lower payment based on my income. However, I never get the revised documents nor can I locate them on the website. This is factoring into my debt to income ratio and has prevented me from qualifying for new credit and also makes it appear I can not afford very much. Based on my current loan payment, which is well over {$1000.00} I can not afford anything. I need help and since XXXX XXXX changed to Navient I have received very little. In the meantime the interest continues to grow and the loan balance with it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is my 7th complaint about Bank Of America! They have not yet fixed my problem with the money stolen out of my account! They just call me, and leave a message, but never pick up or call me back when I call or leave a message. Its crazy! Now, they charged my account another $ XXXX monthly fee, and an extended overdraft fee and they still have not refunded my money or helped me, but they keep over drafting my account! They should just give me my money back, and save us both a headache. I hate claims, and this is my first in XXXX years, and this process is a con and unjust to the customer!

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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My deceased husband ( died XX/XX/XXXX ) had a credit card with Bank of America. Upon his death, Bank of America placed the account in my name. 
I have no knowledge of this account. 
I have asked Bank of America for a copy of the signature page that I would have signed in XX/XX/XXXX, when they claim the account was opened. Bank of America can not produce one because I did not sign one. 
This account should not have been placed into my name. 
My credit report now has this delinquent account on it and my credit score has been seriously lowered. 
I have spoken with various Bank of America representatives that do not have any of my information on their system. They did not have knowledge of my date of birth, social security number, etc. When I inquired why Bank of America felt that my deceased husband 's debt was no mine the answer was always " because our computer tells us that ''. They have admitted that there is no signature page from XX/XX/1991 ( when account was supposedly opened ) with my signature applying for this credit account with Bank of America. 
Bank of America has now 'charged off ' this account and has sold it to various collection agencies that call me repeatedly and send old monthly statements where my husband apparently used the account but no one can produce a signature page with my signature on it thereby creating an agreement/contract with Bank of America . 
Please help me remove this from my credit reports with XXXX and XXXX. 
XXXX let me attach the note that " I have no knowledge of this account. '' but will not report the information from my report. 
XXXX will not let me add the notation. 
XXXX does not show this account on my report. 
Please help 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 non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Please see # XXXX. I could not figure out how to add comments to my case. I spoke with XXXX XXXX at Bank of America today ( XXXX x XXXX ). She indicated that I must have asked for a refinance instead of a modification, I told her I requested a modification in writing. She said somebody must have misunderstood. She told me she looked at my file and my complaint is closed. I told her that if she would just look at the amount of my payment and compare it to 31 % of my income as Bank of America has determined it to be, she would see that Bank of America did not do the math correctly because my payment is greater than 31 % of the figure they are using for income. She told me that she WILL NOT do the math. My case is closed. I tried to tell her that it is clear a mistake was made, if somebody would just look at the figures. She refused, nobody additional will look at this. My case is closed. Bank of America continues to make errors and change their story. I have been trying to modify for 4 years and they make repeated errors and give me different answers and instructions. Please advise. I have done everything they have asked me to do and Bank of America wo n't even double check their math.

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

Complaint narrative:
I called navient to set up a payment arrangement even tho I had put my loan in deferment, I wanted to still make some type of payement. I asked can I be set up on auto pay for XXXX dollars bi-weekly, which would have covered the interest I would accumulate. The representative told me, they do n't accept transactions under XXXX dollars per transaction.I received this loan while attending XXXX College which at the the was handled under XXXX XXXX and transferred over to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fidelity National Financial, Inc
State: GA

Complaint narrative:
We received a letter from Chicago Title Company, XXXX, NE, regarding a debt to some 'unnamed ' mortgage company. ( See attachment ). We 've asked CTC to provide specific data related to their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: MO

Complaint narrative:
They called my ex husband in another city and tried to say they knew me and were looking for me. They gave him a false XXXX type company name. They harassed my granddaughters father by saying that they received his number by going through copies of my phone records. They are sending me text messages saying that I am already pre approved to student loan forgiveness when I have ever spoken to them in my life. When I call back to ask when the forgiveness starts, they say I have to fill out paper work to see if I qualify. I have had it with these crazy people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: TX

Complaint narrative:
I was having financial issue a couple of years back, and Navient suggested that I file for forbearance to delay paying my loan. I was not made aware of the interest will continue to be counted toward my loan. I was put on the Income Driven Plan, and after a year or so, the monthly payment went up, and I was making monthly payments, but the amount of the loan has not decreased much at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been trying to get BANK OF AMERICA as Successor by merger To LaSalle Bank certificate holders of XXXXBack Certificates Series XXXX XXXX Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save family and myself, from becoming homeless. Bank of America created a fraudulent assignment from XXXX XXXX XXXX who filed for bankruptcy before the assignment was created. Bank of America and its attorneys have refused to offer me an affordable modification under HAMP. Bank of America has refuse to discharged the debt and is still moving to remove me and my family out of the property. The state court has ignored my pleas in Illinois circuit court case XXXX. The Illinois appellate court case number XXXX XXXX have not ruled. I have went as far to seek relief in the United States Bankruptcy XXXX XXXX of Illinois Case number XXXX Bank of America has fail to comply with the law. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller.

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 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX different occasions, mortgage payments in XXXX different amounts were attempted out of my bank account, not my husbands, whose name is on the mortgage. Bank of America, Mortgage Company, attempted to collect XXXX different times of {$770.00}, which is no the mortgage amount out of my checking account, and caused a surplus of overage and fees. Because the mortgage is in my husband 's name I could never speak with them directly, I had to wait for XXXX months before they would grant me access to speak with someone regarding our mortgage. I submitted a letter, scanning, mailing and faxed, regarding the amount charged to my checking account due to their unfair practice of submitting ACH transactions to my account. My account was abused so much, I had to have the bank to place a hold on account, which caused me to open another account to perform banking transaction out of.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from 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 explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX, I reached out to BOA due to an inability to pay our mortgage due to my husband and I both being out of work. I have attached a time line of all of my interactions with BOA over the summer as I worked with them to get assistance with a loan modification. Basically, I have complied with every request when I received it. Their communication with me was not accurate, I had to deal with a different person every time. The website was not useful. XX/XX/XXXX I received letters saying my information was under review and a letter saying my loan was being transferred to another bank. When I called to check on it on XX/XX/XXXX, I was told the review had been completed on XX/XX/2016 and I was apologized to for not having been notified, but there were things I needed to fix. They were now asking for things like signatures that they had not requested previously. I asked to speak to a manager, was transferred to voice mail and I never received a follow up call or any other communication from BOA. 

We are actively seeking employment ( and have been for sometime ). I have XXXX interviews this week. We just need assistance with keeping our home. We have lived here for 23 years and certainly do n't want to lose it. We just have hit a patch of bad luck.

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 2017-02-08 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: NJ

Complaint narrative:
I tried emailing and calling years ago to understand why my total payment was not going down. I did not receive any quality information. The same with my private loans. I have been struggling with my loans and when I have extra money I put it into the loans. I 've even called to tell them to put it towards principal which was ignored on both federal and private.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have sent letters via certified mail to Pioneer and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( Pioneer ) Additionally, both companies are double reporting on my Credit 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 explanation
Consumer complaint received 2017-01-22 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: NC

Complaint narrative:
They set up a profile with my incorrect name and email and are refusing to fix the problem so I can get help with repayment options. I 've tried to get my payments reduced due to hardships and they never sent out correspondence paperwork I was needing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: GA

Complaint narrative:
My original loan was for {$8000.00} with XXXX XXXX in XXXX. It 's XXXX and the now Navient says that I owe them over {$10000.00}. The loan has been paid in full years ago, with over {$15000.00} paid to the company. The problem with this loan, and I 'm sure all of the other loans with other customers, is that they apply 98 % to interest and 2 % towards the principle. This is XXXX of the if not THE biggest banking scams in history! I have tried to settle with Navient and they are not willing to work with me at all. They want all of the funds or else. I have been treatened, harassed, and taunted via phone calls from Navient Reps. I want to be rid of this company once and for all!!! Navient has also reported false info to the credit bureaus and nothing has been done about that either, dispite my claims and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is continuation of case # XXXX. I apologize not submitting all my documents one time. I am here to bridge the miscommunication between XXXX XXXX and Bank of America. To pin point where problem is, I need your help to provide me these documents that l stated below. Here is anther Sample of those documents I am requiring. I had obtained this guide line documents from XXXX XXXX website ( Transferring mortgage instruction ). Also as stated on the manual of Cfpb, you are obligated to keep a copy to your self all the Documents you have sent to the new servicer. 

Loan Acquisition Scheduled UPB Amount ( formerly known as the Unpaid Principal Balance ). 
On the Funding Date/Sale Date : Receive cash wire from XXXX XXXX XXXX XXXX, as Trustee for XXXX Cash wire Includes funding adjustments and net funding. 
Includes the Servicing Released Premium Access cash settlement statements in the Selling System. 
Funding Details Report Loan Purchase Statement providing me those documents will definitely settle my case. 
Thank you 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 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Called me at XXXX on severeal ocassions. Calling repeatedly while i am at work between XXXX & XXXX eastern standard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I 'm having a problem with Navient private loan XXXX. I 've submitted XXXX XXXX application to have this loan discharge because I do n't have any income. To no avail they continue to decline my request. I had no problems getting my Federal loans XXXX but XXXXNavient private suggests that I become delinquent rather work out a plan. I 've recently ask if they could defer my payment for a year are so until I have XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder.

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