vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BAnk Of America is inaccurately and incompletely furnishing information regardingthe one and only Bank Of America account listed on my report to the Credit Reporting Agencies inviolation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which BOFA is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In addition to elevating to OWNER of a home I never owned, Bank of America forwarded my social security number to XXXX so that they could place an ad in the news paper that I defaulted on a loan! I fear Bank of America plans to place the house I DO NOT OWN on my credit. They will not stop harassing me! Since Saturday I have received a certified letter NAMING ME AS OWNER and regular mail. They swore they had fixed this. They lied! I am no where on the home as owner!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: KY

Complaint narrative:
I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 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: CT

Complaint narrative:
I fell on some hard times and XXXX of my private loans went into default. About a year ago I made an agreement with the company to pay them x amount of dollars a month, keep in mind this sum does not include other student loans that I have. I have made that monthly payment on time for a year now. I recently called the company asking them what I could do in order to consolidate or get out default with these loans. The company 's response was " There is nothing we can do until the loan is full paid off ''. Keep in mind these XXXX loans range from XXXX-XXXX. I make approximately XXXX a year, so how on earth am I ever going to repay these loans with interest accruing and them tacking on late fees each month?!?! I want to work with them, I want to help them regain their money and me feel like I have a repayment plan that is working, not one that I feel it 's hindering both parties. I am willing to work with them, they just flat out refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I 've been living in my home with my wife and XXXX children since XXXX of 2010. Everything was going well as planned until we ran into some financial issues. Our current mortgage is thru Bank of America and after falling behind a few months on my payments, I reached out for assistance. At first they tried to give me a 3 month forbearance, but after completing all paperwork required, and XXXX payment submitted, they decided to return my check and tell me that I did n't sign the last XXXX sheet in time, so I 'm no longer approved. Since then I 've been in touch with a representative who was trying to work with me on submitting more paperwork to be reviewed for help, but they came back again and tried to say I made a few XXXX more than I did. I was advised to resubmit the paperwork again with the figures that were exact ; I was told that if I do n't get approved then my only choice will be a short sale or foreclosure. I ve repeatedly expressed that I 'm willing to do anything and make payments but they do n't seem to care. I thought they 'd want to help someone willing to make payments but they 'd rather try and foreclosure or make me do a short sale. I do n't know where to go from here if I can not get assistance

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I advised Navient that I wanted pay off my loan as soon as possible but was n't sure of future income. They advised me that if I place myself in a XXXX year program but make extra payments that I could have my loan paid off quickly without worrying about not making double payments every month. With a XXXX/month payment at XXXX years I was making XXXX/month payments but my principal was never going down. Multiple months they miscalculated how much was going to interest and how much was going to principal. 
I am constantly on the phone with them having them audit the amounts that go to principal and interest. After XXXX years and a total of {$26000.00} paid my interest only reduced by ~ $ XXXXXXXX6.5 % interest. When I consolidated my loans I expected a lower interest rate as a combination of my previous loan average interest rate. However, that does n't seem to be the case. I was never informed of any income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I am hoping you can help myself and my Husband. 
I was looking on line for assistance with homeowners in distress. Came across your e-mail on line. 
XXXX XXXX Illinois Attorney General Homeowner web site. 
I live in Illinois XXXX county .I have been layed off my job at XXXX.I paid the mortgage. I Called Bank of America for assistance with a modification. Was told to fax same info several times. Lots of miscommunication and frustrating conversations. I have a point of contact XXXX XXXX I was told I did not qualify for any assistance except short sale. I want to keep my home. We raised our children here and love our home. Finally after addition phone calls and basically begging the info was resubmitted to underwriting and came back with a offer of a higher payment and higher interest rate. I appealed which is in appeals now. Appeals said it is up to XXXX to find a program for us and XXXX says it is Appeals. Currently I am current with my mortgage will be behind by the end of the month. I am unemployed on unemployment and my Husband works. he pays living expense 's and loans ect.. Our house is underwater. We owe more than it is worth XXXX XXXX has our mortgage. I was told only help could be if we were several months behind. We are trying to avoid that disaster with a principle reduction. Can you please help or direct me to the right place? What can I do? National Mortgage Settlement, PRA.I was told B.O.A would not do that XXXX. cant do Harp because of 2009 before time line. My B.O.A account number is .... 
Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have had my mortgage loan through Bank of America since XX/XX/XXXX. The loan was for mortgage only not including escrow. The escrow has always been paid by me.. In XX/XX/XXXX I paid my taxes in four installments I was on my last quarter when Bank of America decided to make the last payment at the same time I was paying it. The city took the Bank of America check and they returned my check. I right away called Bank of America as to why they had done that and they apologized and said that if I pay the fourteen hundred something back to them that they would take away the escrow from account. I continue to paid my original {$700.00} mortgage payment and paid off the escrow they had paid. But they continue to add the mortgage and escrow, I had called them to see what was going on as to why they were still adding the escrow amount to my account when I have always paid my escrow on my own they could not give me answer. I still continue to just pay the {$700.00}. This past year I paid the full amount of the taxes in full four thousand something to the city. I called Bank of America to take off the escrow amount out of my account that I had paid the city the escrow.They had asked me to send them a copy of the receipt which I did. Then said they will take it off and from now on I would only paying the {$740.00} this started XX/XX/XXXX. So the coupon on the statement says {$740.00} but at the top of the top of statement they have Total amount I owe of {$6000.00}. They send several letters to have my mortgage modified, something I do n't want to do because I have not faltered on the account or have not missed any payments. It was Bank of America that screwed up and now they want me to pay penalties and for not agreeing for them to pay the escrow when I have always paid it on my own since XX/XX/XXXX. I 've called them several times to try and get this straighten out but to no eval they continue to add they escrow to the 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 monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The homeowner is requesting assistance from the mortgage company - Bank of America. The homeowner fell behind due to a loss of income when she lost her job. She struggled to keep up the payments but became delinquent. She tried to get assistance from Bank of America, but was unsuccessful. Her income has now improved and she desperately wants to keep her home. She contacted a HUD approved housing counseling agency for assistance. The agency reviewed her finances, the Request for Modification Assistance ( RMA ) application and other supporting documentation before sending the package to BOA. The homeowner was denied a modification and the reason given was " we service your loan on behalf of an investor that has not given us the contractual authority to modify your loan. '' The investor XXXX. In trying to reach XXXX, she was told they do not instruct lenders on modifications and the decision is completely up to the lender. An appeal was made to BOA and another RMA application was submitted. However, the response has been the same.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The biller of my student loan is Navient. I have a large loan from XXXX of approximately {$120000.00}. When I tried to pay extra online, they absolutely refuse to let me pay toward principal. I can not find a way to have the extra amount apply in this fashion to further reduce my overall debt. I could not figure out why I had been paying extra, but it was not making much of a difference. I now see that my extra payment has been applied first toward fees, then interest, and finally principal. I was able to consolidate with another company ( XXXX ) at a lower interest rate and they let me pay toward principal. But, I have been paying all this time and have barely made a dent in my loan! I graduated from XXXX in 1997 and still have $ XXXX in student loan debt! I saw that you are suing Navient and wanted you to have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: PA

Complaint narrative:
I was denied the option to any sort of repayment plan. I had spoke with Navient multiple times about financial hardship, and the only options I had were pay what they wanted or deference. I have also had issues with payments being processed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Pioneer Credit Recovery has lied about its own practices. They told me that in order to set up a payment plan I had to give them tons of information about our finances, including other debts, income, utilities, etc. After this, they refused to give us a payment plan other than " pay half this month, half next month '' and refused to accept any other payment. Now, years later, they are saying they never said this, and I of course owe tons of interest and penalties for non payment, when THEY WOULD NOT LET ME PAY.

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 2015-11-03 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: AR

Complaint narrative:
I graduated from XXXX XXXX University in XXXX, XXXX in XXXX of 2010. I started on my XXXX with University XXXX XXXX XXXX shortly thereafter. I have some private loans through Navient that I ca n't pay. I 'm unemployed. My cosigner has helped with my payments as much as she can but it 's too much of a financial burden to continue. I attempted to enroll in an extended payment plan that would greatly decrease our monthly payments. I first attempted to enroll in this program in late XXXX. I was told everything was squared away once my cosigner gave her financial statement. We canceled the auto-payments from her account. Once the new program was set up we were going to use a different bank account. But then payments were still being taken from my cosigner 's account. They took money out of her account several times. We called to rectify the issue. Every time we called, Navient would say another issue had come up or some data had been entered incorrectly. They said they were " making notes '' on my account so that the problems would be fixed. None of the issues have been solved. Navient told us that my application for the repayment plan had been denied because their supervisor never looked at it. He said he would make a note to have it expedited. It never happened. A representative last week told us that it was fixed and my loans were in forbearance for a month and the new payment plan would begin in XXXX. Yet my cosigner received an email that money is about to be taken out of her bank account. We received more emails saying that the program was denied with no explanation. I called Navient again today and they are still giving us the runaround. They said today that my cosigner must give another financial statement. And because they wo n't begin the payment program -- that I 've already made a payment for to enroll in -- my loans are now delinquent. They will not solve the problem. I asked today for copies of the notes they I 've been told are on my account but they refused.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They are abusing the people. Im not done with school and im afraid to go back. When i stopped going it was for the XXXX 3 yrs ago. I left oweing almost XXXX and i currently oweing almost XXXX.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I went to a for profit school for XXXX. The school lied about their success rates with the students who were actually working. Once done with the schooling I was to start paying my loans back after 6 months. I was never given any licenses except for XXXX. When applying for jobs I was over looked because i had no licenses. I was lied to about getting my pell grants which were supposed to go to my loans to help lower them. In the end it was never applied to the loan amounts. Navient has ruined my credit. I cant go back to school with this loans on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Bank of America ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct?

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