vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: MA

Complaint narrative:
Navient has ignored or failed to respond to multiple requests for IBR income reevaluation. I changed jobs and my income decreased dramatically, and Navient has yet to respond to any of my form submissions sent both via fax and their online website. Documentation of income was sent in XXXX forms, as a copy of my paycheck and a letter from my employer documenting my hourly wage. I can not afford to pay the amount they are asking on my wage!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient demanded payments on loans while in deferment status, while in school, and recently consolidated all plus loans 8 months before agreed upon date. Now am being billed XXXX/month regardless of income based repayment agreement. This has damaged my credit score stopping me from obtaining additional XXXX loans needed to finish last year of XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Naivent representatives are repeatedly calling my sister, mother and other family members requesting information about me and asking them to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a loan that was formerly serviced by XXXX XXXX, and is now being serviced by Navient. XXXX XXXX allowed me to access my loan details, which included principal balance, accrued interest, interest rate and type, and monthly payment amount. This monthly payment amount was periodically reduced to reflect my excess loan payments ( I assume ), so that information helped me to adjust my payments when I wanted. Navient, however, has changed their website and decided that my monthly payment due is n't information that 's important for me to have. Additionally, I used to be able to view statements online. Navient has decided that monthly statements are superfluous, and are also not needed by borrowers. So I 'm basically paying for a loan and tracking the balance myself, while Navient withholds information and will probably show a balance that 's higher than what I have in my records. Did I mention that the only information that is currently available about my loan is the principal balance, interest accrued, and past payments? I do n't know why private student loans are even still legal in this country, but this is XXXX ridiculous. If you guys at the CFPB have any power, the least you could do is stop allowing these predators to withhold information from us and prohibit interest rate increases on loans. I 've made consistent and SUBSTANTIAL payments on all of my loans for the past 5 years, and I should n't have to deal with this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i prochisted XXXX transactions XXXX XXXX XXXX NY XXXX XXXX XXXX ACH CREDIT BALANCE REF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX i paid everything before i left the country now they are accusing me for late fees

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 2017-01-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After over four years of applying for a Mortgage Modification on a Balloon Loan ( originally purchased from Countrywide Mortgage in an example of Bait and Switch Predatory Lending XX/XX/XXXX ), and waiting for Bank of America 's delays for those XXXX years, BOA made an offer called a " Home Equity Loan Modification. '' 1. The loan was NEVER an Equity Loan. It was always a Balloon Loan. We have the original loan documents that prove this. ( The loan was signed at the same time as the larger loan. Countrywide split the loan into XXXX the day of the signing ) 2. The documents in the offer needed to be signed and returned by XX/XX/XXXX. We did not receive the package until XX/XX/XXXX ( We were in Florida for XXXX and had our mail stopped for a week. We have evidence of this ) 3. The offer did not contain a monthly payment amount. ( when we called for more information, we were told the monthly payment would change because this was a " flexible rate home equity loan line of credit '' This was the first time we ever heard this. ) 4. The offer did NOT contain an interest rate for the loan. ( I believe the bank is required to disclose all the terms of a loan in the loan documents. ) 5. This offer is a BALLOON loan offer. The total amount due ( around XXXX dollars ) is due XX/XX/XXXX. According to the CFPB website Balloon loans are no longer allowed. 
6. The XXXX number provided on the loan offer is no longer used by BOA. We had to speak to XXXX different representatives over the phone to find out that XXXX is no longer checked for messages. We left three messages on that number and never received a return call ) In conclusion, Bank of America is acting as a predatory lender, violating truth in lending requirements and violating the CFPB regulations.

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 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:
Applying funds incorrectly for two years after following Navients procedures for applying extra funds. Instructions were given in writting more than three times as well as verbally. Not responding to questions or customer service requests, multiple times over two years. Was not given income based options for repayment and was instructed that the best option was forbearance if I could not pay the minimum due. No notice of forbearance ending, forcing me to consolidate XXXX loans they purchased at a an interest rate 3X of my locked rate or tripling the monthly payment amount which I could not afford, went from 1.9 % to 6.8 % on purchased XXXX loan to the rate of with XXXX loans. Without notification and unannounced reported incorrect information to credit reporting agencies, then would not report status updates correctly or resend errors that were reported to the credit agency 's. Made multiple written request per their procedures to correct the information given the the credit agencies. Completely non responsive in writting or follow through with their own procedures. The online information is deceptive to borrowers and contacting Navient at the phone numbers would lead in circles with no resolution, if you could be put on hold and wait for up to an hour and a half. Making and applying extra funds could not be found nor given the option to apply extra funds to principle as thier website instructs forcing you to apply additional funds towards interest instead of principle paying down principles after interest is paid. Navients instructions, website, communication, and responsiveness is misleading and methods are consistent with predatory lending similarly as seen in the mortgage lending crisis. I have never experienced such poor service and communication. I was consistantly reminded and threatened financial repercussions if I did not choose their repayment option or follow thier produces that Navient did not abide by themselves. I was continuously threatened with pentalties, fee, and credit reporting reporting if I did not choose their offers ; all of which has cost me more in interest at higher rates after consolidation. They would threaten and did access fees and penalties that were disputed which they will not credit but will apply to the total balance and charged interest. Navient is the absolute worst servicing or financial institution I have ever experienced. Schools attended : XXXX, XXXX University ; XXXX XXXX, University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of closed my checking and my XXXX credit cards account and i have filed complain about that and they response that they have the right not do disclose the reasons but now they also closed my XXXX years old son account that his grandfather opend for him long time ago as a saving account for his future.the account under his grandfather and my son 's name and the grandfather mom side. so does n't even have my name on it.but my son has my last name ( XXXX XXXX ) I do n't know what i did to them to target my famly even my 7 years son.we are all citizens and my son born in US.what kind of reasons or policy that can end my XXXX years old child his financial future with any financial institution whatever it is.the only reason that can be logically accepted if the company going out of business.but as long as they still open for public they have to explain the reasons to close my accounts and my son account.if there is no reasons they need to reopen them.

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 2015-10-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on or about XXXX XXXX of 2015 at the bank of America location located at XXXX XXXX XXXX XXXX new York XXXX the financial centers operation manager, XXXX XXXX XXXX XXXX XXXX profile me and denied me the right of engaging in legal banking business, by denying me the right and the ability of depositing XXXX money orders on behalf of a bank of America customer ( XXXX XXXX XXXX XXXX XXXX stated that I made him uncomfortable with excepting the money orders. 
I travelled to another bank of America location, in whereas they excepted the money orders and placed them for deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: CA

Complaint narrative:
XXXX, Sallie Mae, XXXX XXXX XXXX XXXX are all reporting the same loan on my credit reports multiple times, with varies dates. When I dispute this information the reply back that the reporting is correct. 
The XXXX is reporting, Sallie Mae us reporting, XXXX / Sallie Mae is reporting on my Equifax and Experian. Now XXXX is reporting on my Experian also. 
This looks like I have had XXXX / XXXX accounts for student loans. It does not help that I defaulted, so the negative information is being counted multiple times. My XXXX loan accounts have been paid off in full. I attended XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 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 opened an account with Bank of America in XXXX. I had been a faithful customer with them for 10 years and never owed them any money. I had a credit card like I said opened in or around XXXX but they offered me a 0 % APR FOR A YEAR I kept asking the terms about this but they just kept telling that I could get any loan without an APR if I did this within one year as that was as long as this offer was good for. They said nothing about additional APR % charges either. It was my XXXX time so I fell for it. Turns out that AFTER ONE YEAR the loan had to be paid off or I was charged an outrageous amount of 29 %. I could not pay them all the money back because I lost my job but kept trying to. They would in no way work with me on this and financially the loan was closed in about XXXX. That was after they took advantage of me by charging late charges etc. Now the worst part is this they are lying about when this was charged off ( XXXX ) so it will not fall off my credit report after 7 years. When I approached them they just sent it to a collection agency XXXX XXXX. Whats even worse they just put that the loan was opened or charged off in XXXX and even put that as the charge off day every year from then on!! So in other words this charged off loan keeps on my record being updated every year and probably will never fall of my record at all since it is past the 7 year deadline. I gave my information and the Bank or XXXX XXXX can remove it from the XXXX credit bureaus so myself and my children will not suffer from no loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
~ I have conducted myself with integrity and met my student loan obligations since completing my program in 2008. I am seeking that my case be considered by the department of education under exceptional circumstances. The Loan discharge form limits of 120 days provide only the most narrow of windows to correct this situation and exclude a great number of former students including myself from corrective actions. 

List of exceptional circumstances : 1. Misrepresentation of accreditation. 
2. The schools discontinuation of academic programs. 
3. Current litigation 's by the state that are affecting operational viability of the school. 
4. Finding by federal agency & recent litigation resulted in prohibition of federal funds for school. 

I feel that the school manipulated the circumstances of my enrollment and conducted themselves in a manner that is not consistent with the integrity expected of institutions that provide higher education. As I have acted in an upstanding manner and met my obligations to date, I would like to consider having the remaining federal loans that I am obligated to repay discharged or forgiven. I think that if the government is taking actions against this school for deceptive practices it should also be open to mitigating the financial burdens of those that were subject to those practices and have met every obligation thus far. 

I have several complaints specifically regarding my enrollment at XXXX XXXX XXXX. 

~ I was told while discussing enrollment with the recruiter that XXXX XXXX was an accredited institution and that I would be able to pursue my masters at XXXX after graduation. - This proved to be false. XXXX XXXX for XXXX XXXX and XXXX determined that XXXX " is not in compliance and is unlikely to become in compliance with [ XXXX ] accreditation criteria. 

~ I was later told that the accreditation process was ongoing and that XXXX XXXX would be fully licensed by the state and accredited in the near future.- This also proved to be false. 

~ The credits I earned and took out Federal and Private loans for are unable to be transferred to federally compliant institutions like XXXX or XXXX. 

~ Until student loans are fully repaid, I am not able to pursue federal funds for education at a compliant institution like XXXX or XXXX. 

~ The location where I attended has been closed and is no longer in operation. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX ~ XXXX XXXX XXXX is currently involved in several litigation 's, some of which are banning new students from enrolling and ultimately will result in the school being closed. Once the school closes I will be obligated with student loans for a degree from a fraudulent institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
My apt was closed bad on what i believe to be fraudulent activity. I 'm told I 've missed 4 payments in a tow when debits to my checking account shows different. Tried to access my online crefit card account and it was closed after a large payment of XXXX was paid on it. Then was told that that csme almost 7 dats after the account was closed and i had been notified that my acvount was closing. When i told them XXXX XXXX this was industry he became rude and disrespectful. I would not argue so i hot of phone to reach how to file a Formal complaint against he and Bank of America

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 2015-10-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. 
However, XXXX ward has kept the account open.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a received a note of sale on our property. I sent out a written request to our servicer Bank of America on XXXX XXXX, 2016. During the course of XXXX/XXXX/16 to XXXX we have been in contact with B of A and they allowed us to complete an application in order to move forward with a possible modification. Their was a request for the sale to post-pone on XXXX but it has not gone forward due to the under writer review. I am still waiting for the response of the written request sent out regarding incorrect timeline. I was told by the legal department that is what they should be reviewing. Need your help with this matter.

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 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have checking (debt card number *******************) and credit card account in back of America.
I added my wife to my bank account about XXXX years ago so she can know my financial situation.
I did not allow her to have debit card or check.
When she need money, I transfer for her until her decided to abandon the marriage XXXX.

She left me about XXXX dollars of credit debt and empty my bank before abandon the marriage.
I donot know where she is now, and she did not know the mailing address of my account.
But with the help of BOA, she can still successfully steal money from my account even after being removed from my account XXXX.

In XX/XX/2015, she stole XXXX from my bank account (in person transaction).
It caused me big trouble and I called BOA XX/XX/XXXX.
BOA suggested me to remove her from my account.
I was told she will not be able to access my account anymore.

A week later, she stole another XXXX by ATM.(she is never authorized to have debit card)
I called BOA XX/XX/XXXX and got the refund immediately. 
I was told I account is safe now again and again.
I asked for confirmation number and was told I can mention her name XXXX as reference.

A week later, another theft happened, about XXXX purchases.
I filed claim again......and got credit.
XXXX days later, my account was totally empty and it was closed.
I called BOA, and was told my wife did it to prevent me from file claim.
BOA used all kind of excuse to delay or refuse to solve it.
BOA did not give me any solution in XXXX months.

I can not access my account so some date and amount is based on my memory.
BOA is on the side of theft and helping crime.

XXXX I XXXX can not access BOA branch. My autopay associated to BOA checking account were all rejected. My tax return payment with this account was also in process. It also caused big influence on my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Someone by the name of XXXX, XXXX # XXXX of XXXX, A XXXX is making outrageously erroneous statement ( s ) on XX/XX/2017 that BOFA Merrill Lynch XXXX has a contractual relationship with Bank of America , National Association, and Bank of America , National Association acts as BOFA Merrill Lynch XXXX as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page XXXX of XXXX, and go to second Attachment.

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