vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is attempting to foreclose on a property. The TILA Agreement was never presented. Only the HUD Settlement Form. I requested the Title Company XXXX XXXX to send all of my documents which I signed at closing and there is no TILA Agreement. Furthermore, the Entity in which the Note and Deed of Trust are assigned to is America 's Wholesale Lender " A Corporation '' which did not exist under XXXX Law and does not exist under XXXX Law. XXXX Trustee and Bank of America are initiating a Foreclosure set for XXXX XXXX, XXXX and America 's Wholesale Lender never responded to a Qualified Written Request. The Qualified Written Request to America 's Wholesale Lender was Sent via Certified Mail Return Receipt Requested back in XXXX and never responded nor did Mortgage Electronic Registration Systems which are other parties listed in the Deed of Trust as Lender and Beneficiary. America 's Wholesale Lender A Corporation does not exist as a Corporation Tax Payer in XXXX. Therefore, I would like to have in writing who is the appropriate lender who has standing to foreclose. Otherwise, I would like to take the appropriate action to Rescind the mortgage since XXXX advised in XXXX that they were not the Lender, Owner of the Property or the Loan. Since the Truth and Lending documents were not issued at closing, and I can not contact the Lender for the TILA Agreement with a existing entity, I would like to know who is the true Lender to the note and deed of trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: FL

Complaint narrative:
I was never given IBR option in the beginning i was just put into forbarence and then i tried the ibr plan and i have moved and didnt get information regarding reapplying which caused me to lapse in payments and then i went from XXXX to navient and thats when scams were going around and i wasnt sure navient was real and was scared to give info. I would like my credit fixed regarding the bad remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I 've been trying to get The Bank of New York Mellon to honor this agreement with your office. The Bank of New York Mellon and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The Bank of New York Mellon never notified me of being in default nor have they sent any notice of acceleration. I have not received any statements as to who to pay from my original lender. The state court is fully aware the assignment is fraudulent ... because it was created and prepared by The Bank of New York attorney who is representing them in State Court. 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? What good is the Consent Order agreement if it is intended to be teeth less?

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 2015-07-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have XXXX credit cards with Chase Bank. XXXX is a Chase Freedom, the other a Chase Sapphire. I have had auto-pay set up on both cards for the majority of time I have had the accounts, several years at this point. Recently my credit card was turned off, and when I logged into my accounts it showed that both were past due. Moreover, the automatic payments system I had set up had been turned off, triggering the late fees and the card shut down. I never received any notification from Chase that they had turned off my auto-payments. When I called them they told me they were n't sure, but that the auto payments may have been turned off because one of my payments bounced a few months ago ( I was merging bank accounts with my husband, which caused the gap ). However, I have since made payments using that same account multiple times since, it is a good account, and at the time they turned off my credit cards had more than enough in it to cover my minimum payments. I want to be sure that they do n't do this to other customers - I do n't think a bank should be able to turn off auto-payments and trigger undeserved late fees without notifying a customer. They returned the late fees when I complained, but I could have totally missed it if I had n't been going through my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a Bank of America Visa card. I had a balance of approximately {$18000.00} at 16 % interest I used the remaining available credit for a balance transfer offer ( 18 months zero interest 4 % transaction fee ) Now the bank is telling me that my minimum monthly payment goes first to pay down the principal of the lowest interest. In fact my payment does not even go first to pay the interest I 'm being charged on the high interest balance, that interest is being added to my principal each month. This is a deceptive practice. Please help. Payments should be applied first to interest being charged on an account, then to the balance subject to the highest interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PR

Complaint narrative:
I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XX/XX/XXXX while already entered into a payment agreement and making on time auto payments. Navient for some reason decided to cancel our agreement and then harassing us into agreeing to a new agreement at more than double the previous payment. When questioned about why our previous agreement was canceled they stated it was canceled in error and since that happened the could n't re-instate that agreement and we would have to new enter into a new one. They then stated that since we were paying our credits cards on time that we must have money to pay more. They stated that the co-signer must pay the part of the loan that the borrower could not afford to make. They insisted that since we had XXXX cars we could pay more to them. When asked to work out agreement to extend the term and lower the rate Navient refused to even submit an agreement for approval. After being routed around to over XXXX different reps and never getting the same reason or answer and being told that the only thing we could do and not hear from them again was to enter into a agreement with a payment XXXX the amount of the previous one. Now finally XX/XX/XXXX with an agreement in hand they called again to state that that agreement was denied by a supervisor and we would need another new now which could only be the much higher payment which out of frustration and harassment we agreed to. Now XX/XX/XXXX we get an email saying all our loans have been approved for forbearance at a cost of {$50.00} for each loan and interest will accrue. We never requested this and have no clue why we are being told this. We have never received any correspondence informing us of anything discussed on the phone or any changes they seem to be making without our consent or knowledge. We agreed to pay the higher payment with auto pay which they seem to take every month with no problem then call me and tell me Im delinquent on my payments but it comes out every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently applied for a mortgage with Bank of America ( XXXX XXXX, 2016 ) and was given a conditional approval. I satisfied all the conditions and proceeded down the mortgage pathway. I was then informed 10 days out from closing that the mortgage was now declined because BofA changed some of their numbers. I pointed out that the new numbers they were using were incorrect to no avail. BofA of course was able to ' '' find '' a path to an approval that would cost more money. As I was 10 days from closing and had ended negotiations with other brokers I agreed to the changes in hopes of closing the purchase of my home. Problems continued to arise over the next 10 days. I was finally informed that i would not be getting a mortgage with BofA on my scheduled closing day. All along in this process XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ) assured me they would be able to get this mortgage done. That they were able to get this type of exception all the time. They were clearly doing the bait and switch by getting me in with a teaser low rate only to pull the rug out late in the process. My realtor warned me about using BofA and I should have listened. Several other mortgage brokers have since informed me that this is typical practice for BofA. Please investigate them and protect other consumers. I am also incurring significant costs as a result. I will need to pay more fees to another broker for documents/credit reports/appraisal etc. I also will need to pay additional money to the home seller in order to extend my purchase contract.

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 2017-01-24 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: NJ

Complaint narrative:
Beginning on XXXX/XXXX/XXXX I had left my company and was out of work. At the time I had funds to continue paying my student loan, but then I needed to find some time of full-time job since my bills started adding up, which I was able to secure in XXXX. However, the job I am currently working does not provide me nearly enough money to pay all of my bills and I had requested to Navient for a forebearance/reduced loan grace period during late XXXX XXXX XXXX. After I thought I had submitted everything correctly to Navient, I was given a letter back saying that I had needed to submit my information again, which was confusing. I wound up not re-submitting and am continue being charged the full amount for my monthly student loans, which I ca n't afford at the moment. 

I am requesting to get the money I had paid in both XXXX XXXX and XXXX XXXX back into my account, since I do not want to work with Navient anymore on repaying my student loans. I am aware of the issue going on between the Government suing Navient for the unethical actions towards their customers. 

Unfortunately, I do not have the supporting documents from Navient, but I 'm sure they can provide my submission request or a background check will show that I was out of work from XXXX to early XXXX XXXX. 

Please let me know if any further information is needed here. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My Bank of America checking account which I 've had for over 15 years started charging me a $ XXXX/month service fee in XXXX of XXXX which I did n't notice until XXXX XXXX. I had never been charged a service fee before, so I did n't notice the fee until XXXX XXXX. I did n't see any notice that this account, which I had for over 15 years, was going to start charging me a monthly fee. This is a ridiculous fee when the interest returned on checking and savings accounts is almost nil today.

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 2017-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have had some problems with PayPal in the past, and submitted these to this website. Now I have a " Compliance '' department asking for documentation that I have provided on XX/XX/2017 and the account limitation has not been lifted. I feel this may be due to the fact that I reported them to you and to the IRS for another issue I had with them. Now they are using their Monopoly agreement with eBay, and some obscure rule they choose to apply to those they wish to be rid of to freeze my account and destroy my business. I have complied with their requests, and the refuse to remove the limitation. This extends to my secondary account for my website and the account for my eBay consignment. The website does not have a sale yet, and the company information is the same across both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I purchased a car-wash card from XXXX XXXX XXXX XXXX in XXXX last XXXX 2015, which I used until the fall when the business was sold to another company, which I was not told. When I drove into the car wash, I learned that I could no longer use the remainder of my prepaid washes. My car was inside the car wash so I had to pay again & was told that they will not let me use the rest of my paid washes. I want a full refund. I was a customer for 15 years.

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 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following 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 2015-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I was sent summons information about someone else from a collection company. They filed incorrect information regarding someone else 's debt in my case and Certified that I had been served while providing Name and Address of entirely different person. They additionally sent critical court date and appearance information to an old address, despite that all other correspondence addressed to current address. They are suing me even though I am paying on a debt that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I 've had XXXX business checking accounts with Bank of America for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.

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