vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Unfortunately Bank of America does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Bank of America 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Bank of America treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Bank of America on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been trying to remove my name from my daughter 's account and the Bank of America has made it impossible. My daughter lives in a different state, the bank said we need to go to any branch together to remove my name. We did this but the bank refused to remove my name because they had no Notary on staff. We called 4 different banks in our area and none of them had a notary available. We have been trying for about 4 months and my daughter has come to CT 9 time trying to get this done. But all the banks said they can not do it. I called the main number explaining the situation and they said they would remove my name. That was about six weeks ago and my name is still on her 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 non-monetary relief
Consumer complaint received 2016-06-10 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: IN

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XXXX 2013 Account numbers : XXXX ; XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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: TN

Complaint narrative:
Navient refuses to send me actual paperwork showing what was borrowed verse what was paid. The co-signor on the loan has paid majority of the loan. I offered to set up payment plan for anything I still owed and they refused. They demanded it to be paid in full. They sent me the first page of a promissory note which had amounts scratched out and different schools receiving money vs. requesting money. They are very rude and offered no help to resolve the debt other than demanding payment in full. I am in the process of finishing my degree, and I am a single mom and this account is keeping me from being able to get a home to purchase or rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Total Card, Inc.
State: CA

Complaint narrative:
I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Started off with a federal loan through Sallie Mae Services with out my consent my loan information went to XXXX. Where they charged me several late fees, after my loans where in deferment for financial hardships. Which XXXX appears on my credit as late for non payment which is affecting my credit wordiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: CA

Complaint narrative:
Bank of America, is hold back transections to trigger overdraft charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: MI

Complaint narrative:
I am no longer in school and paying a student loan from XXXX XXXX which is now known as Navient. They are providing incorrect information on my credit report which is leaving me in limbo from purchasing my XXXX home. I agreed to their terms of payment and paid on time. I have asked for documentation regarding the loan and updating my report. They said they will not provide any information. This issue is only on XXXX credit report and I need help getting it resolved. I submitted a dispute with XXXX and am waiting to here from them. Is there anything legally to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: PA

Complaint narrative:
I have student loan debt that is over {$110000.00}. My loans were transferred from XXXX to navient. I received a bill saying my payment was {$890.00} which I could n't afford. They said I could go into forbearance for 36 months if I could n't pay it. I thought it was my only option. I think at the time my loans were {$87000.00}. It grew exponentially. I had no idea there were income based repayment plans. They did n't mention that At all. Now I am drowning in debt and afraid I wo n't be about to take care of my family. In my opinion it was predatory lending practices. Also the XXXX program I attended offered false hope for gainful employment and the program has since been eliminated from XXXX programs. I was taken advantage of by the university and student loan programs

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had a pair of student loans that were being serviced by XXXX XXXX XXXX XXXX. The loans are currently in forbearance until the start of next year. A few months ago, the loans were transferred to Navient ( navient.com ) for servicing. Navient has split the XXXX loans into XXXX different loans, which I assume will increase my monthly payment significantly. I have been unable to get any response from Navient as to why this was done and if there has been an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In 2014 I reported to Bank of America that I had lost my job and sources of income hence encounter financial hardship and could not meet my minimum payments and needed to enroll in their financial hardship program/card protection. I was told by the agent at the time that because I did not have a job i could not enroll in the hardship program and they would be reporting the negative information to the credit bureaus. I then told them that due to my circumstances it would be impossible for me to continue making payments without some sort of arrangement to no avail. Once I began working again I contacted Bank of America again and informed them that I had found another job and was ready to begin making payments and that I wanted to set up a payment arrangement and enroll in their hardship program so that I could pay them and take care of the other bills I had fallen behind on. I was informed that I had the options for payments : 1. ) I could pay {$260.00} for 2 months. 2 ) I could make a payment of {$180.00} for 3 months. Or 3. ) I could make a payment of {$150.00} for 4 months. While the payments were steep I agreed to commit to the 4 month plan to get my life back on track. Then after a string of invasive questions the customer service agent informed me that not only was I not eligible to complete the agreement for the 4 month plan but that the hardship program was not an option for me either after I was initially informed that these options were not available due to my unemployment status. Thus if I did not have the options for a hardship program or particular payment arraignments when I was unemployed or when i became employed then that means the options were never available to me at all. At the beginning of my credit relationship with Bank of America I was falsley led to believe that in the event of job loss and financial hardship that alternative payment options were available to me but under all circumstances this proved to be untrue. Hence I was coerced into a credit agreement with bank of america via misrepresentation of products and services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I owe a judgement the debt collector liquidated my IRA account in order to collect the debt I owe I notified the financial establishment but they informed me that the debt collector had an order from a judge? I informed them that in AZ it was against the law for debt collectors to collect a debt from an IRA account. 
I had an attorney write the financial establishment NOT to give the $ to the debt collectors .I have lost $ XXXX in financial gain from the stock market and did not have access to MY money for over 90days. 
So far it has cost my {$1000.00} in lawyer fees plus all the time I spent with lawyers who said that could help me and ended up them wanting thousands of dollars to fight or file a lawsuit The debt collector did not inform the judge that the account was an IRA account and falsified the writ of garnishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My BOA debit card was lost/stolen. When I realized I called BOA who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today BOA said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.

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 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This debt is for a college that I never attended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Bank of America 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: WI

Complaint narrative:
I was affected by the XXXX XXXX crash and I have a lot of student debt the funny thing is when I signed up to go to school there I was told I would receive my XXXX That never happened, they told me I did not need one as I had tha ability to benefit. Needless to say I have a lot of private loan debt, the federal loans are being discharged but upon me leaving the college they had me sign paperwork for a private loan telling me it was a grant. It was not until later I found out I signed for a private loan at an extraordinary interest rate. The school when I left dispersed the private loan to a government subsidies loan leaving a large amount of debt that has caused financial hardship since. I have had to file numerous bankruptcys so that the collections would not eat my paycheck. As the payments were set by the bankruptcy court. I never had knowledge of what I did until it was to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
This letter is in dispute of account number XXXX in the amount of {$1000.00}. XX/XX/2012, I spoke to a XXXX customer service rep that misrepresented the unlimited data plan. I was told that it was unlimited data all inclusive, but was sold the product incorrectly, it was not unlimited data. I asked the rep several times before accepting the plan if was truly unlimited and he said it was. I was lure to accept a package that was not actually unlimited data. I would have never agreed to the terms of the plan, if I had known the correct facts. I had also explained to the rep that my husband was injured in XXXX and XXXX retired so I needed a plan that would not be a financial burden. I received a bill that was over $ XXXX-XXXX. I called and spoke to a XXXX manager, who review the recorded phone and indicated that the rep did provide inaccurate information. He also stated there was not anything he could do to help us. We canceled our contract. The charges include early termination fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I was on an income driven payment plan and was un-aware that the plan had to be renewed and was not aware of the deadline of when to re-apply for one. It was also not made clear of what proper documentation was needed to prove my income. When I applied the first time I submitted a pay stub, when I had to re-apply, I sent the pay stub but did n't find out until after Ii got another bill, of which was too high to pay because the plan expired, that a pay stub was not an acceptable form to prove income. I was then told to send a copy of my tax return. It was n't until after that, they were able to put me back on the income driven payment plan, but by then I had already accumulated late fee 's because my payments were too high to pay.

Company response to consumer: Closed with explanation