vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint : XXXX Credit Union and Bank of AmericaHave been trying to modify XXXX and XXXX mortage loans with XXXX financial banks. Have already done modification with XXXX XXXX. Reduced loan which was small down to 4 %. Process was done within 30 days. 
XXXX XXXX Credit Union has been at best rude and really not interested in modification. Repeated had to call person who was in charge. Counterdicted themselves regularly and was told to be XXXX to four months late and will allow a short sale. Repeatly lost documents and made threats that they would not allow modifications if Visa card is not paid. Not interested in reducing interest rate and would rather have home. Verey unprofessional in collection activities on Visa card. 
Bank America mailed a letter to me about the {$95000.00} line of credit that is 100 % underwater. This was a mastercard line of credit with Countrywide. For almost 10 years have paid only interest only. Readjusting with principal in XXXX, XXXX. The readjustment makes no sense that payment should be {$780.00} not the {$980.00} on letter dated XXXX XXXX. After XXXX months of playing games with documents they made decision I could not afford any loan. The Home loan team offer a short sale if you can not afford the loan and gave no options except leaving the home. Kept calling and asking questions about my permanent XXXX and when I was going back to work. I repeatly stated it was not going away and I will never go back to work. I will be XXXX this year and have a XXXX that will just get worse never better. At best she was rude and and made threats to me you better pay this loan and your other creditors. In XXXX I was forced to retire on XXXX and had numerous charge offs. Had recovered on the credit bureuas to almost XXXX while paying all my creditors for 48 months. Started this process in XXXX all my scores dropped into the XXXX 's. There must be models in the credit bureuas that saw XXXX XXXX pay off loan and all the scores dropped over XXXX piints in days. Bank America stated in there XXXX denial I could not afford any loan. Based totally on the credit scores. Gave complete budget forms same as XXXX XXXX yet XXXX and Bank America considers us too high of a credit risk. XXXX XXXX they are now calling my wife and threaten her with a short sale when both the XXXX and XXXX are negative and the XXXX wellover {$100000.00} negative. XXXX and Bank America are both calling my wifes phone at work, withourt permission and calling our cell phone every XXXX homes when there loans are not late. Threats are short sale or we will forclose. Yet neither are 30 days past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I refinanced my primary residence under HARP in XXXX 2012. My loan was with Bank Of America. I was underwater more than 125 %. I was coerced into getting the refinance loan from bank Of America. XXXX XXXX was the loan officer at BOA. I was constantly told that only BOA is allowed to refinance as I am underwater 125 %. And, they gave me a very high rate. When the market rate was 3.5 % I was offered over 4.5 %. I had no option but to pay more than 1 % point fees to get 4 % rate to reduce my monthly payment. During the whole process I was told to hurry because the program will end soon. I felt like cheated. I wrote to XXXX back in XXXX 2012 about my concern and she never responded. I wanted to file a complain in XXXX but got too busy with my life.

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

Complaint narrative:
Last year around XXXX or XXXX I spoke with my husband about minimizing our debt, of our debt we both had student loans. My loans were private through XXXX ; now called Navient, I called them up to see what my options were because I was behind on my payments. My husband had already spoke with his creditor XXXX who agreed to a $ 0 monthly payment based on our monthly income but when I spoke with Navient they first told me the lowest amount would be {$60.00} then cut it down to {$30.00} which may not seem like a lot but with our monthly expenses for childcare and other obligations it was not doable. I then asked for a forbearance which was granted but this has been one of many and during this time the interest has equated to almost 3x what my original student loan was. I now owe close to {$4000.00} when my original loan was only {$1200.00}. I 'm not sure what my options are anymore because when I call to attempt to settle it, they are always recommending a forbearance or to request a hardship to hold off payment while the interest is steady racking up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My paycheck was direct deposited into my account on XXXX/XXXX/15. On the following day, I used Bank of America 's online bill pay service to pay some bills. All of these payments were declined even though the money was processing in the bank. These declines all incurred a {$35.00} charge each including charges from the payees for a declined payment. This should not have occurred because the check was in Bank of America 's possession.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 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: NM

Complaint narrative:
I graduated from XXXX XXXX in 2007 with over XXXX in Federal/Private loans through XXXX XXXX. Since 2007 I have been taking advantage of every opportunity to lower my payments and defer most of them ( to this day I still cant afford to start on the federal loans ) I am at a tipping point, every month it gets harder and harder for me to keep up with my loan payments and in XXXX my lower rate plan will end and my student loans will rise. I am panicking as I do n't know how I will afford them. Had I know at anytime during my time at XXXX XXXX that my loans would be this much I would not have attended this school. It seemed every-time I met with financial aid to re-sign those loan papers my estimated repayment was always around XXXXmonth, not the actual XXXX or higher/month that it really is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: TN

Complaint narrative:
I 've asked them several times to verify these loans and they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: AZ

Complaint narrative:
My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT TOOK ABOUT EXTRA {$110.00} WITH RESPECT TO THEIR OWN MAILED INVOICE AUTOMATICALLY FROM MY CHECKING ACCOUNT, " SINCE XX/XX/2014 ''. THEY REFUSED TO REFUND THAT MONEY TO ME. I WROTE TO THEIR CEO AND GOT NO ANSWER. THIS IS A FRAUD. NAVIENT ALSO REPORTED 60/150 DAYS DELINQUENT IN FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAMONE STUDENT LOAN. NAVIENT ALSO REPORTED 90 DAYS DELINQUENT FOR CHANGING FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Monthly payments of {$100.00} do not get posted every time. Maybe 3 of 6 are not posted. 
And, when the payment is posted as the XXXX it is shown as {$11.00} to principal and {$88.00} to interest. Other months the principal and interest amounts are all over the place. 
HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My loan modification application is complete as of XX/XX/2016. Bank of America has not provided written acknowledgment of the receipt and completeness of my loan modification application within XXXX business days, as required under XXXX CFR XXXX ( b ) ( 2 ) ( i ) ( A ) - ( B ).

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 2016-05-02 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: VA

Complaint narrative:
RECEIVED A CHECK FROM MERRILL LYNCH, CASHED THE CHECK AND FOUND OUT CHECK IS BOGUS. I AM OUT OF {$2900.00} AND WANT MY MONEY. 

XXXX XXXX XXXX or XXXXXXXXXXXX

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 2016-11-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.

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 2015-06-22 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: MD

Complaint narrative:
A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A couple of months ago, while trying to get in touch with customer service at Bank of America, I was transferred to another department who told me out of the blue that I owe a {$290.00} appraisal fee from 2009. As a result of XXXX due to XXXX in the military, my income decreased substantially and foreclosure proceedings were started on my property. When I received back-pay from the XXXX XXXX that was owed to me, I pulled the house out of foreclosure and I 've never had a late payment since then. I did n't know an appraisal was done in 2009 or that I 've owed Bank of America {$290.00} since 2009. XXXX XXXX refused to waive the fee and after I asked to speak to a supervisor she put me thru to XXXX XXXX ( or XXXX ) voicemail. I left multiple messages and he never returned my calls. I called Bank of America 's customer service number multiple times, and sent multiple messages to them via their website, and they continue to refuse to waive the fee. One phone representative said, " Why should we waive the fee when you 're the one who did n't pay your mortgage? '' I asked them how they could 've done an appraisal back in 2009 without access to the interior of my property, and they said the appraiser walked around the outside of the house. So, I was charged {$290.00} for an appraiser to walk around the outside of my house? I never gave permission for an appraiser to be on my property, I do n't think a 2 minute walk around my house meets the definition of an " appraisal, '' and it definitely is n't worth {$290.00}. This fee is also attached to the HELOC for some unknown reason instead of the XXXX mortgage. I 'd like Bank of America to waive this fee.

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 2015-04-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: GA

Complaint narrative:
In XXXX XXXX My checking account with Bank Of America was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Bank Of America to collect the debt. As Of XXXX XXXX Bank Of America states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Bank Of America, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Bank Of America. 


The problem I 'm having is Bank Of America says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Bank Of America. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported.

Company public response: Company 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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
My orginal lender was XXXX XXXX then my loans were turned over to Navient at that point various changes occured. I have seen them listed multiple times on my credit report even after asking for a forbearance or deferement. Due to inconsistency and multiple inquires I have been turned down by lenders and my credit score has dropped significantly. the multiple loans for the same amount on the same day is very misleading Furthermore If I contact them as requested and make arrangements why do they still report days later as negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of American had repossession my vehicle for been 2 months behind the did not sent me a letter stated they was going to repossession my vehicle. The only letter I received was I was behind XXXX dollar behind and i needed to get it caught up. After I contact them to ask what I need to do to get my vehicle back they stated you how to pay your vehicle off XXXX because I was late on my account my last three payment. They ask me why was I late I stated my husband had a XXXX XX/XX/XXXX and I been the only one with income. The first lady I talk to she stated that they will ask for what you owe and fees for repossession. I stated okay and she gave me number to the repossession and they stated I have to pay the car off before I can get it back because I was late and I am 2 months behind. I want to know are they suppose to send me a letter to let me know that my car in the process of been repose before they pick it up. They only letter I received was I need to get my account current and the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Have tried to get a modification well over a year. Hours and hours of phone calls receiving little, conflicting or no information about status, talking to new people each time who read me notes on file of issues already resolved or discussed. I was not allowed to discuss my loan with the person actually reviewing it and making requests. Requested new customer representative, only means of getting info and could rarely get ahold ( had to make an appointment date and time for him to call me, sometimes not getting a call ). My rep repeatedly seemed as if he had never talked to me or knew of our previous conversations. After telling him of my husbands death and requesting a certificate, he called my cell and left a message for my husband to call him, just a small example of many.Told it could take XXXX5 weeks to receive a new rep. Never heard back Also took a week and a half to track the right person down who could confirm they got my ( same day ) fax of the death certificate that they desperately needed to go forward. Called them yesterday because I received an insurance letter mentioning the change in status of my loan. BOA says there was a sale date of XXXX and modification denied XXXX. Called FHA today and HUD. Was asked if BOA had offered me a required TPP Agreement? which I no nothing of, but then referred me back to Bank of America. Rep could not tell me why I was denied. She did see a sale date but no denial letter. On hold ( again ). She could not get a supervisor on the line to find out why denied. ( Past issues with payments were due to seriously ill husband who passed away in XXXX and my job status ( in current job almost a year and I can afford my home ) I have been advised by BOA to call the banks local law firm if I want a redemption. Lawyers have n't responded. I believe modification file is probably closed at bank for the 3rd time ( in which the other 2 times I had to start from scratch in applying and w/supplying all required info as its somehow disappears after a certain time and you no longer have a contact person. ) I am in fear that not only I and my XXXX young daughters will soon be kicked out of my home w/no notice just as I had not received notice of modification denial or property sale date ( and previous sales dates and sale dates on hold ). Also my loan balance has probably increased by thousands in fees and delinquencies due to the time this has taken.

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