vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN

Complaint narrative:
I selected this lender for my first time home purchase. I was referred to this place. I was pre-qualified, found a home, and started the process on XXXX/XXXX/2016. My close date on the contract was XXXX/XXXX/2016. Throughout the entire process i kept emailing and calling to find out what 's needed, what are the next steps. Finally on XXXX/XXXX/16 it seems someone started to work on my file. I 've been promised a closing disclosure since XXXX/XXXX/2016. Every day i 'm told tomorrow. My real estate agent has had my contract extended three times. I even emailed the CEO of the company for resolution without any. This is by far the most incompetent company i 've ever worked with. Throughout the process I felt as if nothing was happening. I was right. My appraisal was ordered two weeks before closing. My verification of employment was ordered 6 days before closing by XXXX XXXX. Now we 're nearly two weeks after i was supposed to close, they finally have everything they need and i still do n't have a closing disclosure or close date. Specifically tax returns, w2 's, verification of rent, verification of employment, termite inspections, and appraisal corrections were still needed on XXXX/XXXX/2016. XXXX and XXXX told me multiple times I was on track to close as scheduled. I emailed and called them daily. Nothing was needed. It seems as if no one touched my file until XXXX/XXXX/16. However, now it 's too late. I 've missed my close date, my contract is now invalid for the third time, and I 'm losing more money each day this closing is delayed. I 'm now at risk of losing the money i paid for the appraisal and home inspection as sellers do n't have to extend offer a fourth time. When I press and ask additional questions both loan officers find laughing appropriate. There has also been no accountability on Primary Residential 's end. When I demanded answers on what was going on with my file and why I was n't receiving my closing disclosure on time, my credit score was emailed to third parties with an email stating due to my credit score there are extra steps. It was never communicated to me that my loan would not close on time due to my credit score. There are many lenders that work with XXXX plus for FHA. Those lenders also understand the importance of customer service and contract dates. I do n't understand how this company is allowed to operate as a lender. I 've been told my loan is for final approval since XXXX/XXXX/16. New year, still not approved. I feel absolutely helpless at this point and the dream of home ownership is slowly slipping away.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I just went thought your database and found some very interesting information. Of the XXXX XXXX complaints against BofA over XXXX of them were for Loan Modification, Collection and Foreclosure complaints. Of the ones that listed the consumer complaint they were for strong arm action or action taken without their knowledge. This seems pervasive and and like sever bullying of consumers. I am requesting a formal investigation to be started on this BofA issue. I feel strongly if different levels of employees are questioned with immunity and under penalty of law for lying you will find a lot of illegal and maybe XXXX actions going on at BofA. I personally would volunteer my assistance ( I have a degree in finance ) and have business ownership experience. There is a lot of smoke and evidence here and needs further investigation. These actions caused undue harm to local housing values and local tax revenues. Please feel free to contact me me. 
XXXX XXXXXXXXAlso, your writing box on thes site is not working properly. The person typing cannots see the words typed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. 
During that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. 
Before the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was having a hard time paying my student loans. I was trying to make payments as I could each month but was not able to pay the full amount some months. I missed a few payments due to financial hardships. when I attempted to call Navient to come up with a financial plan, they told me the amount i was supposed to be paying was the fixed rate and would not lower my monthly payments, even though i could not afford to pay that rate. Navient then cancelled my co-signers credit card which also cancelled two other family members credit cards. This negatively affected both my cosigners credit scores and reports, as well as my own. I then got approved for a payment plan from navient, however when navient reviewed my income, they also included my cosigner and their spouses incomes when figuring a monthly payment amount. My cosigners are not assisting in paying this loan, they are " cosigners '' only obligated to pay if i can not and default on the loan. Navient has done nothing to help me attempt to get back on track with payments that i can actually afford. My income is too low to pay the amount that Navient has specified. After Navient enrolled me in this " repayment program '' they did adjust the payment slighty, but still not affordable to me, due to the inclusion of my cosigner and spouses incomes. Navient also told me that this new amount would only be temporary and the rate would go back to the " fixed amount '' in a few months. I have recently changed jobs with a lower income, and navient told me i was not eligible for any payment plans based on my new income.

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

Complaint narrative:
I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
On the first note I had rented an apartment with XXXX XXXX, with several roommates, went to court and I was left paying out money but it was stated that once the balance was paid in full they names would be in the clear as well, but the made no attempt to pay. 2nd there is a XXXX XXXX account in my name but it 's in IOWA, different social security number, address etc. ( 3 ) The apartment XXXX rented with them again roommates and now my credit is runied. Just runied I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I called them to ask to consolidate my student loan and they placed a forbearance on my account that is not what I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 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:
On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Bank of America Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Bank of America in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Bank of America sent me a check with insufficient funds? The agent told me to contact Bank of America. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Bank of America. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Bank of America Home Loans. I want to know why Bank of America sent me a " blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Bank of America is XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 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: MN

Complaint narrative:
My sister and I opened loans at the same time. XXXX XXXX ( now serviced by Navient ) messed these up in their system. My sister has a loan that showed up in my account and on my credit report, but does not have my name on it. I have a loan that showed up on her account, but never showed up in mine. It was paid by her for years before Navient caught and fixed this error, and this loan shows up on her credit report. This loan does not have her name on it, but Navient denies that anything has changed on our accounts, even though we are fully aware of the changes that have happened within our individual logins. My loans are for XXXX, my sister 's loans are for XXXX. Navient has so far denied any errors or mistakes, and this is not the first time we have needed to go to them to try and sort out our accounts. We now have no confidence in what they are telling us and we need help sorting this out. The loan in question was paid by the wrong person forever, due to Navient 's error. They have denied anything is wrong. I have attached my bank payments over the last year showing that I have never paid the loan. Payments stopped in XXXX because this loan disappeared from my sister 's account, but there was no past due notice until XXXX when it showed up in my account. Navient 's system only showed the loan 17 days past due even though my account says XXXX. While I am the cosigner and student borrower on the loan, Navient has refused to give me any information on past payments of the loan, even though they have confirmed my name is on the loan. I am also attaching XXXX of my credit reports showing loan ending in XXXX with an original {$10000.00} balance which is not mine, yet is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: CO

Complaint narrative:
XXXX Navient failed to help me prevent my charges from increasing and they failed to inform me of changes that occurred on my account even though I am on the IBR plan. Those changes on my account caused the monthly payment to increase to more than {$1600.00} month. They then took that amount and somehow compounded interest on it for two months. They said they had to do that supposedly because the income had to be verified again. So they took that and said it was going to be about {$7800.00} charge that would be added to my total amount of student loans. They have done this type of thing to me for years. They constantly fail to provide any help. They have structured their entire system to confuse, distort and take advantage of people. Navient employees harm innocent people 's credit. They permanently cause stress and suffering for people who are just trying to survive, including veterans. They charge those who have student loans extreme high costs and manipulate people so they can charge more and constant increase loan balances to benefit only Navient. Navient should have to pay back all of the money they have taken from student loan holders, including compensating the victims for the pain, suffering, duress, stress and other negative impacts they have needlessly caused against innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 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: CL Holdings LLC
State: IN

Complaint narrative:
Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I took out XXXX student loans from ( then ) XXXX XXXX, later turning into Navient. The XXXX loans totaled XXXX dollars for a computer school that did not provide the education that was advertised. I was unable to pay loan payments and was put into a forebearence program and my loan is now over XXXX dollars. I have recently gotten into a payment program but this program only lasts a few more months. Almost double the amount I owe seems outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a very tricky and dishonest offer in the mail from Bank of America. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Bank of America is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Bank of America should get in trouble for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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: IL

Complaint narrative:
XXXX/ Navient. We paid off the final balance of our bill on XXXX XXXX, 2017 ( almost {$10000.00} ). Almost a month later ( on XXXX XXXX ), they " pulled '' another monthly payment for {$220.00} from my bank account. I called and asked for a refund, they said they 'd send it within " 30 days of the last payment '' ( which THEY created and pulled ). There is no option on their website to STOP their pull payments. The representative on the phone lied and said it was a push payment from our bank -- which is completely and veritably false. I suspect they are doing this to all of their clients and making money off the interest.

Company response to consumer: Closed with explanation