vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on XX/XX/XXXX or it will suddenly jump up from XXXX percent interest to 18.9 % .. 
THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. 
When I called on XXXX/XXXX/XXXX to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe {$4000.00} when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than {$2000.00}. 
then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due XXXX XXXX. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of the tricks if they get mad or you happen to ask for a supervisor. Well the young woman said she would put a supervisor on the telephone. Instead, my phone began to loudly ring, like a phone ringing. It continued for several minutes without anyone answering the phone and of course after ten minutes or so I realized that no one was going to answer a reverse phone ring. 
So I have a XXXX part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the " treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the " treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. 
Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the " treatment. '' As former XXXX XXXX XXXX for XXXX XXXX, XXXX Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. 
While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had XXXX in suspense transfer account that had to be paid on or before a date certain in XX/XX/XXXX. She failed and refused to do so. 
Perhaps your department can remind this credit provider that it can do better. 
Thank you for your cooperation.

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 2016-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to secure a loan modification with Bank of America for over 2 years now. I have experience poor service from Bank of America. I have written a number of times regarding the rough treatment I have received in letters which Bank of America has dated XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX. I was told by XXXX XXXX XXXX yesterday that she would call me back today between XXXX and XXXX. After holding on the line with XXXX XXXX XXXX from XXXX until XXXX I was finally connected with XXXX XXXX. It seems that we had a miscommunication on when we would meet by telephone. My conversation with XXXX XXXX, I indicated that my home is over {$120000.00} underwater due to maintenance issues in my kitchen, bathroom and foundation. I asked that some or all of my principal balance be forgiven and XXXX XXXX said that while B of A owns the loan as investor, principal forgiveness was impossible. I have appealed to bank of America in good faith because I believe it would be fair for them to give me some relief from my principal balance. If relief was not given to B of A in XXXX and XXXX, the Bank would no longer be here. I have been told by XXXX XXXX XXXX XXXX office that B of A does principal forgiveness. This process has been very stressful with hours and hours of phone wait times and representatives who passed me from XXXX person to another over and over.

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 2017-01-19 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: IL

Complaint narrative:
Our tax return for the tax year of 2015 was taken by the IRS and given to Navient because we were deliquent on our student loan. The total amount taken was about XXXX. But no where in our records with our student loan does it show that the money was actually applied to our loan. In fact, after they took the XXXX, our loan was XXXX bigger then before. We can not find out where this money went. It appears that it was stolen by someone at Navient because there is no record of it being applied towards the student loan. The IRS states that that is where it was sent. In light of what is now going on with the investigation into Navient, we really could use some help to find out what happened to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 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: NC

Complaint narrative:
Last year Bank of America put my information into the Early Warning System due to an honest mistake. My account was closed due to a check that was entered into their system that belong to an older account of mine. I explained to them that I was teaching my grandmother how to use the check feature on the banks mobile app when my phone froze. While I did n't see the mistake until later I tried to make amends only to still be denied. So now every time I have tried to open a new bank account it is shut down. Being a college student hours away from home it is highly inconvenient.

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: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, 2015, I cashed a check at Bank of America for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 've asked for multiple forbearances and only been given XXXX due to financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.

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 2017-01-19 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: LA

Complaint narrative:
My account was sold to them and expect me to pay back high amounts I ca n't afford

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 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: MN

Complaint narrative:
My wife and I are about to default on our loans with Navient. We both were in reduced interest payment plans with them. My payment was about XXXX every month and my wife 's was just around XXXX a month. we made these payments for 18 months. last XXXX my wife suffered some very serious XXXX. She had to be hospitalized, lost her job, and still needs to be treated on a regular basis. She has begun working again, but makes about 50 % of what she was earning before. We are now unable to pay Navient. I have made several attempts to get them to reduce our payments, but the best that they can come up with is XXXX a month for my loans, and my wife 's would remain the same. We ca n't afford this and now they are threatening litigation. How can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am a co-signer of a loan for my son. He is paying the normal monthly payments and I am making extra payments towards the principal. I have requested that they apply XXXX % of the extra payment to principal only and if they can not agree to that, to return my check. They applied my first payment of XXXX correctly but the second payment of XXXX on XXXX/XXXX/15 they took XXXX and applied it to interest ( even though my son 's payments are current ). I faxed them an inquiry on XXXX/XXXX/15, no response. On XXXX/XXXX/15 I emailed them through their own website requesting they reverse the XXXX and put it onto principal. To date, they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am in a loan repayment program with the national institutes of health and I entered into repayment for my private student loans from Navient and they charged me fees of {$1100.00}, {$1100.00}, and {$1600.00}. I called and was told this is because the loans are now in the repayment stage. This is absolutely unacceptable. So because I am paying the loans I am assessed a fee? How is this acceptable. I was told to write a letter to them regarding this as this was my only course of action. How are we also penalized for paying our loans? This should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have contacted the lender many times asking if they would remove the PMI from my mortgage payments without a positive resolution. The PMI makes my mortgage higher than i can afford and it should have been gone a long time ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
High balance is undending

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had in 2013 a secured credit card from Bank of America. I had to put XXXX to open it. Two months after I opened the credit card account I moved but I called them and told the new address, they never somehow put that information on their system. As I had never used so much of my credit card and had everything else sent to my new address, I did n't notice that their bill never came to my new address. Months later I received a call from a collection company saying that I had a debit with Bank of America of XXXX and something. I paid but they put a negative report in my credit even know that they did n't send me any bill in my new address. I do n't think it is fair for me to pay for their disorganized data base. I called them about it but the negative report still there making my score down. 
I hope you can help me. 
Thank you in advance, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my home over 6 years ago. When I purchase my home Countrywide ( now Bank of America ) Gave me 2 loans, after I lost my home because my payment increases to over XXXX a month and the bank did n't want to help me. Now bank of america is still charging me for the second loan. Since this was a purchase money second I 'm requesting your help to update balance to {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
While monitoring my credit, all of a sudden this collection account shows up out of the blue. I write them a letter requesting validation bearing my signature. I sent the letter certified, return receipt mail on XXXX XXXX, XXXX and they signed for it on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX, XXXX however, there is no signature, just a print up from a computer. I included a copy of my credit report for XXXX XXXX, XXXX, showing that after more than 30 days and they had still failed to indicate on my credit report that the item was in dispute. This is a violation of the law. I sent them a letter again on XXXX XXXX, XXXX again stating I want validation bearing my signature. They responded on XXXX saying it was already sent, which I disagree with, nothing they sent me had any signature for me to validate. I am the only person who can validate my signature and they failed to provide anything for me to validate. They also indicated that they sent a validation notice to me in XXXX of XXXX and attempted to contact me, show me proof of that because I never received a telephone call nor a letter, I would have been all over this, just as I had to reach out to them as soon as it appeared on my credit report without first contacting me ( another violation of the law, I am to be provided with 30 days to dispute the validity of the debt, which I never received a letter, nor a phone call as they claim ). I am providing documents to support my claim that : I sent them a letter requesting validation ; the certified return receipt for acceptance of deliver, the letter and information they provided on XXXX XXXX & XXXX XXXX XXXX as well as the letter I sent them again on XXXX XXXX, XXXX and a copy of my credit report from XXXX. They received my letter on XXXX, 30 days from this day is XXXX XXXX, XXXX. As you can see by credit report, the disputed line was not added and they are in violation of law. I am asking for your assistance today because this collection agency broke the law and since they failed to update the report within 30 day, the item needs to be deleted from my credit reports from the credit bureaus.

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 2016-01-21 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: AZ

Complaint narrative:
Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of BofA for 22 years and I am so mad at how they do their entries on activities in our accounts. Like on XX/XX/2017 my available balance was {$57.00}. I issued a check to XXXX XXXX XXXX for {$50.00} that was presented to the bank on the same day and is showed on my account activity only that they paid the check but made it appear that is still in process so they were able to charge me an overdraft fee of {$36.00} when I have enough to cover that check. And today when I called they were telling me that they were still waiting for a transaction for {$12.00} so they can charge me another fee. I just deposited {$70.00} this morning so I have enough to pay for this. I can see how shady the banks are. What if a customer does not have online banking and can not check their account everyday like me or they do not have a checkbook to balance their accounts. And this is why we need CFPB to help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I initiated a transfer from Bank of American on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Bank of America that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to BOA taking the money back 5 days later. BOA Branch said they ca n't do anything.

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 2017-01-21 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: WA

Complaint narrative:
I had to consolidate my loans early to avoid the misdispersment of my payments, also I 've requested smaller payments and they offered hold for 6 months instead and e-mailed me the info. I pay {$200.00} payments a month and somehow am still seeing my loan balance on my credit steadily increasing {$200.00} on average every month just due to interest which is ridiculous. I actually failed a few classes due to a XXXX and was denied when I requested additional grant and loan assistance. I also know my grades were incorrect in many cases due to a XXXX link issue at XXXX. My midterns and projects and homework were n't showing up as completed when I absolutely did them. I am near a XXXX GPA student even WITH XXXX full time quarters failling in all my classes. It is unjust and I hope to be compensated for my hassle and suffering. I am a single a parent and XXXX in need of a college degree to obtain a decent career and job.

Company response to consumer: Closed with explanation