vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Property was recently determined to be in a special flood zone requiring flood insurance. It is XXXX loan and according to their servicing guide the insurance requirements are as follows. 
Coverage for XXXX MortgagesThe minimum amount of flood insurance required for most first mortgages secured by one- to four-unit properties, individual PUD units, and certain individual condo units ( such as those in detached condos, townhouses, or rowhouses ) is the lowest of : 100 % of the replacement cost of the insurable value of the improvements ; the maximum insurance available from the XXXX XXXX which is currently {$250000.00} per dwelling ; or the unpaid principal balance of the mortgage. 

Additional requirements for units in attached condo projects, co-op projects, and PUDs are detailed in Requirements for Project Developments below. 

For a HomeStyle Renovation Mortgage, the flood insurance coverage should be in an amount equal to the " as is '' value of the property. This coverage must be increased, if necessary, following completion of the renovation work to ensure that the coverage meets XXXX standard coverage requirements. 

The property is neither a condo or PUD. My mortgage servicer, CitiMortgage, is requiring flood insurance per Citi 's guideline which is 80 % replacement of value and as a result which costs nearly XXXX times as much as the insurance required by XXXX. Have called Citi several times to resolve but they insist on charging the higher amount. 
Payment is jumping nearly {$200.00} a month for this extra insurance. I thought there are controls in place to prevent this kind of payment shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Universal Capital Services, Inc.
State: NJ

Complaint narrative:
My husband and I have been trying to refinance our mortgage since XXXX XXXX, XX/XX/XXXX with XXXX MortgageLine, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The company has strung us along, all the while asking for repetitive documents and income statements. We have paid for an appraisal XXXX because the company took so long to process that the XXXX appraisal expired. Each appraisal was {$400.00}. My husband is in the XXXX XXXX and was away XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX. The broker implied this was XXXX of the reasons the refinance was taking so long, but my husband signed a XXXX for me to finalize everything. While he was in training, XXXX XXXX asked for more documentation proving his pay. Even though they knew the military pay was temporary, they said the full time work pay stubs were no longer applicable. When my husband returned to his full time employment after military training, we once again had to submit pay and tax returns. XXXX XXXX has checked our credit score multiple times, which is good standing. We have yet to have an answer of why the refinance is taking so long. XXXX XXXX is working with XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I had an unauthorized charge of {$1.00} appear on my dormant credit card on XXXX/XXXX/16. I contacted CITI and they removed the charge and cancelled the credit card. When they issued the new card the transaction was re-posted on XXXX to the new card. I have attempted to contact CITI on XXXX occasions and still have not been able to get the charge removed. 
This has been the most frustrating experience. I feel that CITI 's actions range from either utter incompetence to criminal theft. I believe that these actions are systemically imposed to frustrate consumers to the point that they give up on attempting to collect the money owed. 
Contacts : Called on XXXX at XXXX XXXX for XXXX minutes. Disputed re-posted charge at time when I noticed the {$1.00} charge had been re-posted to account. 
Called on XXXX at XXXX XXXX for XXXX minutes. Follow up call where I was informed that dispute was still in process and must have been written on paper on XXXX and was n't entered into system until XXXX. 
Called on XXXX at XXXX XXXX for XXXX minutes. I was advised to call internet security because the charges were showing as removed in the customer service system. 
Called internet security on XXXX at XXXX XXXX for XXXX minutes. I was advised that the removal of the fraudulent charge had been reversed with no reason. 
Called customer service on XXXX at XXXX XXXX for XXXX minutes. I cancelled account and was again promised for the 4th time that the charge would be removed. The customer service representative stated that the case had been sent over to internet security.

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 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Lender refuses to postpone foreclosure sale to complete borrower 's loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made multi call to Citifinanical to remove a Lien-holder from my vehicle. I have never taken a loan out on my car, they do not have anything in their computer base states that I have a loan with them! no record of anything except for my Vin #. The company have transfer me over to many department, finally the Lien department still no records on file, but they will not release my vehicle until I have evidence that it pay in full!. I explain to them I have no document for this issues and I have never taken any loan out. I purchase my care in the year 2004, XXXX XXXX XXXX was my lien-holder, I am the only one who own this vehicle when I purchase it. so I went to the D.M.V and they gave me the the paper work that was requested from CitiFinancial. I need help to correct this issues. Attach with this request is my DMV paper work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Repeated, unwanted calls not just to me, but to my elderly father and also ex wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is guilty of duel tracking a borrower who has not yet completed the modification process. 

In a letter to me dated XXXX XXXX, XXXX, Bank of America through a third party debt collector, XXXX XXXX XXXX XXXX ( XXXX ), stated they intend to conduct a non-judicial foreclosure sale ( trustee 's sale ) on the Deed of Trust associated with this loan. 

Bank of America knows full well, I am still considered active in the modification process as they have not provided me a written determination on my timely appeal of XXXX XXXX based on the incorrect HAMP denial of XXXX XXXX as stated and confirmed in their XXXX XXXX, XXXX letter to me. 
Per RESPA as enforced by Regulation X and a group of laws commonly referred to as the California Homeowners Bill of Rights, duel tracking is against the law. Therefore, my home loan account can not be forwarded for foreclosure, or any other separation processes until the modification process in general and the requested HAMP, in specific, has been completed.

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 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I agreed to a loan modification with BAC that required both trial payments and a long term 40 years mortgage. As part of the loan modification, I agreed to a balloon payment in excess of {$100000.00} that created a negative equity at my owner occupied residence. Another serious issue is that my credit is adversely affected by the negative equity caused by a 40 year mortgage with a $ XXXX balloon payment. 
I was recently denied assistance by Keep Your Home California program on the basis of a recent denial by BAC that I believe to be random, punitive and arbitrary. 
My complaints are as follows : 1. I was never provided any disclosure prior to executing a loan modification with BAC that a 40 year mortgage with a $ XXXX balloon payment would severely damage my credit for 40 years on the basis that I am ( and will continue to be ) underwater with negative equity. 
2. I was randomly denied a second loan modification and principal loan reduction after I provided my account representative, XXXX XXXX ( Customer Service MGR XXXX ) with an updated Profit and Loss that met the criteria by both BAC and California 3. On XXXX XXXX, XXXX I was instructed by XXXX XXXX to remove a cease and desist letter from my file and after I informed her that no such letter existed, she became rude, unprofessional and closed my file. 
4. After XXXX XXXX at BAC closed my file for mortgage assistance, including, but not limited to loan modification file, I was immediately informed by XXXX XXXX from Keep Your Home California " bad news that BAC had closed my file, refused to participate in her program to lower the loan principal '' and that XXXX XXXX could not give a reason and that she was also surprised, she also indicated that most of the time she has good news but not in this instance ''. 
5. On the basis of my negative equity I am being harassed by short sale agents.

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 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a XXXX woman. I have a, FHA secured mortgage with BOA as they are the servicer. Due to the cost of living increase and my only source of unearned income being from Social security I applied in XXXX 2014 for a modification to my high interest loan. I have been treated with discrimination due to my unearned income. They have ruined my credit with the credit agencies in their unfair treatment. I have consistently paid, every month the escrow and payments toward principal. The BOA fails to report these payments as mad and refuses to abide by the rules of FHa whereas the direction of payments with FHA secured loans are first applied to escrow evry month then to the principal. this has been going on for more than 16 months. it is unfair as I qualify for modification to my excessive interest and they fail to abide by federal and state laws. The FHA standards for home modification allow for a {$100.00}. decrease in monthly mortgage or a mortgage payment equivalent to XXXX % of the gross income. My gross income is sworn to with proof and BOA wrongfully enlarges the gross income. this is against the law as my income is unearned and not taxed. I provided BOA and FHA the DEPT OF REVENUE facts that my income is XXXX % below poverty and XXXX % of what the minimum wage is. Therefore if it were an invome I would not be taxed. I also provided them with proof that XXXX persons can not receive earn income deduction from IRS at tax time like working people. BOA keeps violating my rights. Please step in to report them to the GOVERNMENT for unscrupulous conduct and breaking federal laws to disable, handicap and women.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XX/XX/2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?

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 2017-01-18 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:
I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has continually made knowingly false representations on a mortgage or Deed of Trust to me, to the public at large in general, and to bona fide purchases ( DFPs ) in specific. 

Bank of America 's representations to me made through their legal counsel on XX/XX/XXXX, indicates an awareness this account has been modified under a Making Home Affordable ( MHA ) program XX/XX/XXXX, specifically the Home Affordable Modification Program ( HAMP ) and was amended XX/XX/XXXX to include a principal forgiveness amount. This amount has been represented to me as a new and separate HAMP modification and has not been included in the stated principal balance due at the time of loan transfer or sale on XX/XX/XXXX. 

According to MHA HAMP guidelines, all amounts forgiven are to be paid back if the property is sold. Bank of America and their representatives may not claim ignorance to HAMP guidelines as they are required by law to be knowledgeable of all the rules of all the modification programs offered by Bank of America. When Bank of America fails to return MHA funds upon sale they are guilty of Welfare Fraud, fraud on a mortgage or Deed of Trust, and real estate fraud. 

Just to be clear, I have had only one MHA HAMP modification finalized, as amended. However, I have been approved for MHA HAMP three times over. 

All previously mentioned resolutions are desired and mandatory.

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 2016-02-18 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: IL

Complaint narrative:
I took out private tuition answer student loans from XXXX XXXX from XXXX when I went to School of the XXXX XXXX of XXXX. These loans are now serviced by Navient. They have been charged off since XXXX. I was n't able to pay the XXXX monthly payments and the servicer gave me no options but to default on the loan. Now the loans have more than doubled in interest and fees with in a two year period. Also Navient continues to report this on my credit report with erroneous information. The closing date and the last payment made is false, illegally extending the statue of limitation on the account. This company is a predatory lender and their collection tactics are abusive and illegal. I ca n't even get I loan statement that describes these fees and interest. The fees and interest they have added to this account are exorbitant. I plead that the CFPB take legal action against this consumer predator Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
in 2012 I applied for a loan modification with Bank of America and wasaccepted, the loan modification went thru and my mortgage payment waslowered .... a year and a half goes by and I start getting these packets viaXXXX, I complied with all that they required me to do and did more thanthey asked of me, in return for complying I was supposed to receive XXXXdollars from Bank of America well I never received a dime from the Bank. 
I received another packet of documents they wanted me to sign becausethey put my mothers name on the documents, my mother in law has beendead at least two years and I sent the Bank her death certificate at least 6times, so I signed the documents that the Bank sent me and on the line wheremy mother in law was to sign I wrote in Deceased just like the Bank told me todo, so I sent the documents back to the Bank and low and behold I receivedanother packet in the mail this time they needed a signature from my stepdaughter because when we first got the loan my step daughter was a co-signer, however I had her do a quick sale and her name was taken off of theloan so too make a long story short, in all I received 9 different packets fromBank of America each one needing different signatures and I complied toall that they asked of me, and the straw that broke the camels back was I justreceived another packet, now they tell me they are going to give me XXXX dollars, this has really been a burden on me, my wife and family I amso frustrated with Bank of America with their incompetence which is AmazingI ca n't sleep at night and have nightmares that the Bank is going to take myhouse from me, even though I always pay my mortgage on time ... .. sometimesI XXXX this how much Bank ofof America has been XXXX. I do not take this lightly this has beenthe worst ordeal I have ever been thru in my entire life ... HELP, HELP, HELP, before I XXXX .... HELP ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page.

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