vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX my application to Bank of America for a mortgage modification was declined on the basis of a fraudulent property appraisal. The false and inflated property valuation resulted in a failed NPV test. 
Even though no house ( of that model ) had ever sold for such amount in the history of the subdivision, the appraiser valued my house at {$700000.00}. I objected, and it was reappraised for {$690000.00}. The values are absurd considering : There are vacant abandoned houses in the next block ; At the time of the appraisal no homes in the subdivision or area had sold in over a year ; On-line services valued the house between {$540000.00} and {$600000.00}. 
When I received a copy of the appraisal, I phoned the appraiser to question the basis for his valuation. I was told that Bank of America was his client and those were his instructions. 
Finally, on XXXX XXXX, XXXX a house in the subdivision finally sold. The exact same house as my house, same model, same builder, same subdivision, XXXX blocks away, sold for {$570000.00} ( see Exhibit A ). 
In XXXX XXXX, upon renewal of the homeowners ' insurance, the insurance company would only insure the house {$530000.00}. They said that it was the maximum that the house could be insured for because that was its replacement value ( Exhibit B ). 

So, if an identical house in the same neighborhood sold for {$570000.00} and the insurance company states that the replacement value of my house is {$530000.00}, how does Bank of America 's appraiser get a valuation of {$690000.00}? 
Bank of America is obliged to follow all rules and guidelines for the servicing of conventional mortgage loans, including, critically, rules relating to the Home Affordable Modification Program ( HAMP ). Bank of America did not follow the rules of HAMP in connection with my account. 
Had Bank of America properly reviewed my application and not applied a fraudulent property valuation when I applied for HAMP in XXXX XXXX, I would have been found eligible for a HAMP modification that would lowered my monthly payments by at least {$1500.00}. 

Instead, Bank of America used a fraudulently inflated property valuation to cause my application to fail the NPV test. Since then I have taken nearly {$40000.00} in credit card cash advances at 24 % interest rates to keep the mortgage current, which has damaged my credit and caused me and my family great anxiety.

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 2017-01-23 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: PA

Complaint narrative:
Excess interest on student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have sent a certified mail return receipt direct dispute under FCRA 623 to Bank of America based on disputes of the original date of first delinquency and outstanding balance they are reporting to all three credit reporting agencies. This was after they have repeatedly confirmed invalid data during my disputes to each credit reporting agency. This was received and confirmed by the USPS on XXXX/XXXX/2015. 

Ultimately, it has been over 60 days since I sent my direct dispute to Bank of America 's registered agent and there has been no response. Their failure to respond and continued incorrect reporting is an FCRA violation.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I closed my account with Bank of America Master Card in the summer of 2015. 
However I just received a statement from BoA with a new charge to my account. 
I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: TX

Complaint narrative:
I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My wife just received a promotion w/the Feds to XXXX, DC. XXXX ( relocation dept for FDIC ) performed a pre-qualification app on Friday XX/XX/XXXX, to find out that our current mortgage holder, Wells Fargo Mortgage, showed XXXX lates on our credit report. The pre-qual process stopped by XXXX until we call WF to see what has happened. Calling into the mortgage company we find that a few years back my wife and I did a remodification loan to our mortgage - as a matter fact back to back contracts until we could get refinanced. WF says that remod ( lower note from 1700/mth down to $ 1100/mth - a contracted lower note ) each month showed less than the normal mortgage, therefore every payment is showing late. 
We were not informed that the lower payment would reflect as less-than the original monthly payment - netting late payments. AGAIN NO ONE EXPLAINED THAT THIS WOULD HAPPENED. With this in mind, we feel that we were not properly informed about the negative side to a remodification loan ( unless this is an isolated Wells Fargo Mortgage rule only. ) We have sent a letter to WF Written Correspendence Unit. We have also sent dispute into each credit report agency, so we can clear these XXXX lates from our credit reports. So in the meantime XXXX can not go any further therefore interrupting the Gov't employee relocation program

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 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Did n't know how to or where to repay my loan. It was hard to get other options for payment plans besides deferring my loan. Now, I have more interest added and ca n't afford my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The principal balance of my HELOC was " forgiven '' by Bank of America, as result of the Department of Justice and XXXX XXXX XXXX global settlement with major mortgage servicers in 2012. Per the forgiveness agreement with B of A ( copy attached ), the bank was to " report to the major credit bureaus that your account was paid and closed. ". Contrary to our forgiveness agreement, B of A has reported the account as a charge off ( copy of XXXX Report attached ). My communication with the bank has not been successful in getting them to correctly report to credit bureaus.

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 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is my second CFPB complaint for this same issue and after multiple complaints with the bank. For the second month in a row, after they had advised you all and me that the issue was resolved and I could pay money towards my principal, this has not been the case. My last two principal payments were applied against future interest payments. This then causes me to be on the phone with the bank for a long amount of time trying to get the payment reversed back to principal. Last month I lost money as they did not backdate the payment date so they kept some of the interest they charged me. This month, the representative advised that they would backdate the payment so I would receive the full benefit of my 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 non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL

Complaint narrative:
This is an addendum to my initial complaint against FirstMerit Bank, ( they are in the process of becoming XXXX Bank ) XXXX. : XXXX : I just want to inform you that a month ago, I was informed that FirstMerit Bank in XXXX XXXX, IL actually had a security breach in the last quarter of 2015 XXXX XXXX through XXXX, 2015 XXXX and did not inform its customers until a month ago. I recently was informed when I tried to use my debit card and it was denied. I called the bank and was told that was due to a Security Breach back in XXXX and XXXX. This was the same timeframe in which my checking was being debited for numerous overdraft fees, which were erroneous. I knew that there had to be something erroneous happening. more than " our system is down '' right now, which is what they said when funds began disappearing from my checking account. They said that the system would be back up but they did n't know exactly. That " this happens ''. FirstMerit Bank replaced my old debit card with a new XXXX. This new debit card does not recognize " credit card '' purchases ; i.e., as a debit card holder, I can choose to have purchases processed as a " credit card ; '' and not as a debit card which would require my using a " pin '' number. Anyway, now when I use my " new '' card as a debit, it declines it and I have to call the bank ; I never get an text or email from FirstMerit as their Customer Service reps. say I should. They tell me that I will need to call them every time my debit card purchases are turned down to get the bank to approve the purchase, nor to me. My main point is that it appears that FirstMerit Bank did not disclose to you, on my initial complaint, that there was as Security Breach going on at the same time when their systems " went down. '' I just recently got informed of the Security Breach in XXXX and XXXX, 2015, about a month ago. Please reconsider my case. Thank you. Sincere, XXXX XXXX XXXX This new information should positively affect my case. Please consider it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My client has received late payments on XXXX separate credit cards from XXXX 2015 to XXXX 2015. She has reported to these credit cards companies that she was in the hospital during this period of time involuntary and so she could not pay these credit card monies. She was out of the hospital in XXXX 2015 but for XXXX and XXXX she received late payments fee 's as well due to not being her payee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX University XXXX - XXXX, Florida. I attended this school for my XXXX. and XXXX. degree. They lied about job placement numbers, lied that the degrees I was seeking would be get me the job I wanted, lied saying that my credits could transfer to any other school, and they were under investigation from the gov't at least XXXX time while I was there and that is why they changed the school name from XXXX University to XXXX while I was still attending. Since then, XXXX has numerous lawsuits filed against them for misuse of funds and for fraud, including another gov't investigation for the same allegations. They have filed bankruptcy and closed many schools, and the ones still open are no longer allowed to accept students.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I paid off my student loans from XX/XX/XXXX XX/XX/XXXX. I have a pdf file from the company congratulating me on paying off those loans. I have new loans from this company from XX/XX/XXXX, of which I recently put into forbearance due to a medical issue that occured a month ago. I believe that when they put my new loans into forbearance, something happened in their system, and started charging me late fee for my PAID loans from XX/XX/XXXX, which are now accrued to a total of {$40.00}. They have proceeded to call me 6 times in 24 hours trying to receive payment for this amount. I answered the phone the first time, and let them know their system was incorrect, and the person on the phone was able to see that i was correct and would notate it and inform a supervisor to fix this issue ... however, i have continuted to get calls every 3-4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Our Bank of America XXXX mortgage was included in our Chapter XXXX Bankruptcy XXXX, XXXX. We completed the payment plan and the bankruptcy was discharged XXXX XXXX. After the bankruptcy was discharged, Bank of America starts reporting our account as 180 days delinquent and over {$10000.00} past due. I sent documentation to their XXXX XXXX location on XXXX XXXX, XXXX, revealing the papers and discharge. So they remove the {$10000.00} past due and show a XXXX balance on the account, but failed to removed the delinquencies that popped up ( XXXX and XXXX, XXXX, 120 days past due ) and then XXXX XXXX. We are trying to refinance our mortgage under Harp before the program expires in XXXX. You can not lawfully report delinquencies on an account when the trustee is making the payments and there was no breech to the contract. Please help

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 2016-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
XXXX XXXX, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of XXXX for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday XXXX XXXX Bank checked on my XXXX credit bureau. It is an usual or not a common practice for a XXXX bank to measure credit exposure when a client is not requesting a lending product. It is uncommon to be subject to a credit risk check for a checking account, and more important to not disclose that as part of the application process. It is deceiving that their website does n't disclose that First Citizens Bank checking account products are subject to credit approval. I believe that is in violation of the fair lending act and it constitutes an unfair and deceptive banking practice. The website withhold material information that if I would have known right upfront I was going to be subject to credit approval for a checking account, it would have affected my decision to apply and I would n't have applied.

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

Complaint narrative:
Student Loans that were paid off via Sallie Mae are not listed as paid via XXXX, they are listed as being defaulted, and have been garnishing tax returns as well as social security checks every month. Garnishments do not pay anything towards principal balance ( on loans that were paid off ) .... All interest is paid off on loans and everything else goes towards collection costs. Also the collection costs, as well as compounding interest is based off of loans that have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX, 2016 Attn CFPB, I submitted a complaint regarding Bank of America 's Predatory Lending Practices on XXXX/XXXX/2016. I received a voice message from XXXX XXXX XXXX of Bank of America 's Regulatory Complaint Servicing Department at XXXX on XXXX XXXX, 2016. He left this number XXXX and Extension XXXX and asked me to call him back. He sounded very new because he did not even know his own telephone number or extension and fumbled when trying to look these up to leave the message. 
I have called this number and extension on the dates and times listed below. It is actually the number for XXXX XXXX XXXX of the bank 's Regulatory Complaint Servicing Department. I have left a voice mail each time asking for him or someone to call me back but no one has done this yet. Even though I have called multiple times the phone only goes to voice mail. 
I bring this to your attention as I believe this department may be doing some kind of sham or cover up type work. Specifically making calls to CFPB complainants at late evening hours just to paper or document that the bank tried to call and resolve the issue. The fact is they have no intention of speaking to anyone or returning any calls. 

My calls/voice mails to Bank of America 's Regulatory Complaint Servicing Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Five calls no answer. Five messages, none returned. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have a parent plus loan with XXXX/Sallie Mae that my daughter neglected to pay. When I found out I started paying {$86.00} a month. Approx. 2 years ago, XXXX called me saying it was n't enough & I was just paying off the interest. I told them I could n't pay much more than that. They asked for {$120.00} a month. It was a struggle but I am paying that much monthly. Now they raised the amount to {$240.00} a month which I can not pay so I have been paying the {$120.00} a month instead but they do n't like it. They continually harass me by phone ( I have proof on my cell phone ) even though I am still paying & now they are charging me astronomical charges because I am not paying what they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: TX

Complaint narrative:
I always pay at least {$100.00} more than my interest payment monthly and for the past year my balance has stayed the same. I think I 'm getting ripped off, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a gift card from my employer but did n't have the activation code. When I called in to have it activated, the lady I spoke with asked me for a bunch of personal information, which is fine. But then she proceeded to ask for my XXXX, claiming she could n't activate the gift card without it. When I said I 've never had to provide my SSN before to activate a gift card, and that I 'm by comfortable with that, she then said she DID N'T need the SSN. This seems very suspicious.

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