vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
This company CBE Group ( I only know the name of the company as I called the number back ) calls 6 times a day from XXXX different numbers. If I answer they hang up, if I do not answer they wo n't leave a message. Finally they called and some one actually spoke. He never indetified himself or the company he was calling from. They wanted me to give them my address, social and birthdate. I did not give the information. I asked several times what this was in reference to, they said they would not tell me unless I gave the above information. XXXX XXXX XXXX and XXXX XXXX XXXX are the numbers they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: IL

Complaint narrative:
In the past months, I have been reviewing all my student loans and trying to make since of some recent changes. I asked for my loan disputes to be removed, however, they were removed but I see there was a change to XXXX of the XXXX XXXX Accounts. According to my credit report in XXXX of 2016 all my XXXX XXXX XXXX showed Closed and a XXXX balance with remarks stating something to the nature of " account transferred o the government ''. As of XXXX XXXX, 2016 it shows closed with a NEW balance of {$2.00}, XXXX and no remarks. How is this amount owed? I never received a written notification of this new amount owed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear friends at CFPB, Bank of America is in violation of the California Homeowner bill of rights Restriction on dual track foreclosure : " Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' On XXXX XXXX, 2016 Bank of America confirmed that they have a complete application for my loan modification, but have made no effort to remove the sale date. My home is scheduled to be Foreclosed on XXXX XXXX. As of my phone call with XXXX a CRM at Bank of America on XXXX XXXX, she confirmed that XXXX my paperwork had been fully accepted and received by underwriting. She confirmed that there was no further paperwork needed for the underwriting department to evaluate the file and it will take time for them to review the file. She said that no effort to stop the foreclosure the house on XXXX XXXX even though all paperwork has been fully accepted until further notice. 

My only phone call with the new CRM XXXX XXXX was on XX/XX/XXXX where she said if I got a complete package in 2 weeks before sale she would request for postponement. The only appointment XXXX would set up with me to speak XXXX XXXX again was on XX/XX/XXXX due to her busy schedule. 

This is clear evidence of a dual tracking violation. I am sending you a prayer of relief that you tell Bank of America to follow the law, stop dual tracking, remove the sale date immediately. 

Thank you for your service, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My husband and I were denied a loan from Bank of America because we could not provide a " guarantee '' of future employment of three years. We XXXX provided letters stating high probability of employment, which is all that was required initially, from our supervisors and HR. The letters and our loan was later denied because it was not a " guarantee ''. My husband and I both hold XXXX degrees XXXX and have XXXX. We are in good financial standing. According to others at Bank of America, the verbiage of the requirement should not demand a 'guarantee ', rather a high likelihood. 
In addition to this, our loan officer and her supervisor at Bank of America have maintained poor communication with us throughout the entire process. It became evident to me very early on that our loan officer did not actually read our emails, and thus never answered direct questions asked of her, even when called out. I contacted her supervisor over this who returned my initial phone call to him said he would look in to the matter and would call me back. He called me back three days later, having forgotten he had already returned my phone call. He did not remember our conversation, listened again, and then said he would discuss the situation with the loan officer and call me back. He never did. I left another unanswered message for him since then. Throughout the process his emails to me have not been in complete sentences and when I have spoken with him on the phone I am either on speaker phone or he is driving. Complete lack of professionalism. I have since contacted HIS superior who also does not return phone calls. 

I have paid fees to Bank of America totaling {$470.00} which I would like refunded. Their service to me is incomplete, and the reasons for their denial of my loan application are absurd. The customer service is far from adequate and the communication with and among them is appalling.

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 2015-07-07 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: IL

Complaint narrative:
My complaint is with Navient and how they abruptly ended my in-school deferment with no warning. When I asked why, XXXX answer was because I was only allowed XXXX months of in-school deferment and after they could not tell me where this was on the MPN, they told me that they could change my terms and conditions whenever they got ready. They continue to provide incorrect information and ca n't ever seem to provide me with accurate loan dates, deferment dates, payment history etc. I asked XXXX people for my MPN and I only received XXXX copy. I took out my first loan with XXXX XXXX in XXXX, I had a tuition answer loan and the terms did not state anything about a XXXX-month in-school deferment. After I graduated from undergrad in XXXX ( XXXX University, XXXX, XXXX ) I attended XXXX XXXX off and on until XXXX. If I had XXXX months of in-school deferment, I would have heard about it way before now. I called today and asked them if they could do something to lower my payments, they told me that in order to do that, they would need to run my credit and the co-signers credit, and review our financial statements. I asked how I could remove the cosigner from the loan and I was told that I would need to make a XXXX of on-time payments. I asked if I had done that already, and I was told since I just did a forbearance ( I was forced to do, since I was n't prepared for them to change my loan terms ) I would need to start over from that point for the next year proving that I could make payments. I asked about my previous loan payment history and I was told that did n't matter since I may not be able to make the payments now. She did n't even bother to look. Please do something about Navient 's shady tactics. I do n't want to be punished for trying to make affordable payments. 

I even contacted my current school 's ( XXXX University, XXXX, XXXX ) financial aid office to inquire about XXXX months of in-school deferment for private loans and even the director of Financial Aid had never even heard of such.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was issued a Credit Card from Bank of America in 2013. I have been making payments each month. I hardly make purchases on this card, due to I only wanted it for emergency reasons. I made a purchase the other day. and it was declined. I called the Credit Card Compnay, and was told my account was closed. I never received a noticed of this closesure, and they proceeded to tell me a noticed was sent out. As I looked over notices that I did not know were available on my online account. All noticed were statements, and not one indicated they were closing my account. I am really upset with this company, I have banked with them for many years, and this is how they treat me as a long time customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX, This Credit Card is over 15 years old and Has already been removed off of my credit report. Bank of America Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My debit card information was somehow stolen around XX/XX/2016 and someone was able to spend {$460.00} from my account over that weekend. Bank of America 's automated system contacted me on Sunday about unusual activity on the account so I checked my transactions and noted several purchases pending that I did not make. A claim was opened and within XXXX weeks bank of america concluded their investigation and determined that the charges were valid. I do n't know how bank of america made this determination but it is completely incorrect. I am a victim of fraud and I did not make those purchases. To add insult to injury I lost my job and that direct deposit that the fraud was taken from was to be utilized to pay my rent and a couple of other expenses. I have never actually had fraud successfully happen to me due to the bank catching it ahead of time. This time the bank was n't successful and I am disgusted with bank of america 's so called fraud process, decision and their company as a whole.

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 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My checking account was comprised. I misplaced my debit card and somehow someone got access to my account with my card and got my online account information. Deposited fraudulent checks into my account and started withdrawing from those deposits. I initially went online to check my balance and was locked out of my account. I called to find out why I was locked out. The representative I spoke with simply told me my account had been closed because of bad checks and fraud. No one offered or asked me any questions to determine the validity of the charges and simply released the call. I called back to open a claim against the charges. I received a letter dated XXXX/XXXX/16 stating the claim was opened. I received a second later dated XXXX/XXXX/16 stating it was resolved. I called to try and figure out how the claim was resolved 24 hours later without an investigation. I was told by the representative that because my pin was used and and the mobile deposits were made that someone close to me must 've taken my information and was holding me responsible. I REPEATEDLY tried to get the representative to listen to me and ask them to pull the tape for review. HE REFUSED. He stated he wasnt blaming me but it had to be somebody i knew. I repeatedly tried to inform the gentleman i had NO knowledge of anyone i know personally stealing information from me, and furthermore i had no part in any of the fraudulent activity and should not be held responsible. It was not until AFTER I threatened to file a complaint against bank of america that he offered to reopen the claim if I filed a police report. Not only was my account closed as a result. The bank has taken over {$800.00} from me and the account is now in the negative over {$1000.00} which they are trying to hold me responsible 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 2017-01-24 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: CT

Complaint narrative:
we have XXXX loans from XXXX XXXX - now Navient we have tried to get loan forgiveness, low payment options and /or lower interest rates we have been turned down multiple times. We went to a forbearance company thinking they would take the loan at a lower cost only to find out we still have to pay the loans and the other company as well. Navient harasses us for payment when we should n't be paying on the loans, none of our phone calls are documented nothing gets document when you call. We need help and no one is willing to help. we can discuss this in further details if we can get a call from someone on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: Colony Brands, Inc.
State: KS

Complaint narrative:
I have spoken with this company several times I never took out this account and I want it removed

Company response to consumer: Closed
Consumer complaint received 2016-03-10 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: AK

Complaint narrative:
Pioneer Collections company called numerous family members speaking to each of them. After contacting the first one, they did not have the right to turn around and contact a second one in the same hour.

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 2015-07-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I closed on my mortgage on XXXX XXXX with the XXXX payment being due on XX/XX/XXXX. Soon after I closed, as I expected, I received a letter saying my loan would be sold. I thought this would occur before the first payment date ; however, it did not. On XX/XX/XXXX, I went into a branch to make my payment. The teller told me I could indeed make a payment in the branch and attempted to pull up my account. She could not locate the account my my account number or ssn. She called the asst manager who also attempted to pull up my account, but she could not find it either. She called the mortgage servicing department who said that the payment had to be mailed. I asked if I would receive credit for making the payment on XX/XX/XXXX, and I was told I would. The asst manager mailed the payment from the branch in a bank envelop. The payment was received and posted, but to my surprise, it was posted effective XX/XX/XXXX. I contacted the bank because I felt that this was unfair, and I should not have to pay for an additional 7 days of interest when I attempted to make my payment on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: FL

Complaint narrative:
I open a class account for my XXXX son XXXX XXXX and myself XXXX XXXX, when I open the account I made clear that this account have Not overdraft privilege., but Bank of America has charge more than {$130.00} in overdraft fees. I CALL THE BANK and they told me tha they wo n't take those fees. 
Please investigate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: NY

Complaint narrative:
I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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:
This complaint is against several institutions ... I had the bad Countrywide XXXX XXXX & HELOC home loans that were at the center of the financial crisis. I was wiped out in XX/XX/XXXX & fought to hold onto my home with countless refinancing attempts .The servicing was taken over by B of A. I was able to modify my XXXX mortgage but not my HELOC which went into foreclosure XX/XX/XXXX. I worked tirelessly to get a payment I could afford with no assistance and had to file Bankruptcy to stop the foreclosure. I ended up having to sell my home which closed escrow XXXX XXXX ... but the nightmare continued. B of A held the payoff funds ( over XXXX ) for 6 weeks for some reason, during that time they sold the loan to XXXX who kept trying to collect mortgage payments from me saying I was behind and they were going to begin foreclosure again, the funds went missing, B of A wired the funds to XXXX with the incorrect account #, XXXX sent it back to B of A, B of A sent it to the title company, who sent it back to B of A, who sent it back to XXXX who wanted more than the payoff amount. This went on for 2 months without anyone taking responsibility for it. It was an absolute disaster. I finally found a department at B of A who would complete the transaction. No one even apologized for the incompetence. I 'm sure my experience with these big banks in not unique but I felt powerless against this system. They held my life ransom for years and I want retribution. In XX/XX/XXXX I joined a XXXX lawsuit XXXX vs B of A which is still and active suit & paid over XXXX to a firm XXXX XXXX in California who has just been shut down as fraudulent and now all of the plaintiffs are without an attorney to protect us. It feels as if the consumer just continually left holding the bag ... We have no power or rights. It 's been devastating.

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