vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This how my ordeal with Bank of America Started : Bank of America issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by bank of america. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating " this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, " no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.

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 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America is giving out complete bank account numbers, along with complete routing numbers on their automated telephone system, when a payment is being made. This can compromise not only the credit card, if stolen, but also the person 's bank account. Per the Fair and Accurate Credit Transaction Act of 2003 : Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following : '' ( g ) TRUNCATION OF CREDIT CARD AND DEBIT CARD NUMBERS. -- '' ( 1 ) IN GENERAL. -- Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last XXXX digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction. 
So, anyone who accepts credit cards can only print the last XXXX digits on the receipt, but Bank of America can give complete routing numbers and bank account numbers on an automated phone system, to anyone?? This makes no sense all at. I 've been told by XXXX agents and XXXX supervisors that my checking account number has been changed to all XXXX, but when I checked this on the automated phone system, it gave me my complete bank account number, Again!! I have had to close this bank account and open another account to protect the security of my account. This cost me {$10.00} for the shipping and handling of the new checks, which I can not afford!! All because Bank of America changed their system about 4 or 5 months ago, to give complete bank account numbers now, not just the last XXXX digits of the account number, This puts XXXX of their customers who pay their credit cards over the phone at risk of having their bank account information compromised. This is NOT OK!! It has cost me a lot of time and now also money, because they will not do anything about it. A secondary issue is that I had a CREDIT balance on my credit card of {$12.00}, which I kept there because I now have no way to pay my credit card bill without it costing me money, and I wanted to keep account active, It is a XXXX points card, and they will keep the XXXX plus points on the card, I will use the points, and then close the card. I charged {$2.00} on my card, to be taken from my credit balance, and now my card has a balance on it of {$2.00}, My credit balance had gone away, It seems, without my knowledge, consent or permission, they have sent a refund check for this amount, Not received yet, I had to go to the merchant that I charged to {$2.00}, have them refund the card, and I then paid cash for this, Please Help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 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: FL

Complaint narrative:
Before XXXX XXXX was transferred to Navient, XXXX XXXX, by mistake had made my Father the primary loan holder and myself the co-signer. Prior to my graduation from college 6 years ago, we had been trying to resolve this issue to no avail. 

Once the loan was transferred to Navient, a lot of paperwork was lost between the XXXX service providers, so my Dad and I began trying to remove myself as co-signer from the loan entirely. At the time, the account was in good standing, as the payment was only $ XXXX- $ XXXX/m. We were told on more than one occasion that removing myself as a co-signer was not an option. 

Now, my Father is deceased as of XX/XX/2016 from XXXX at the age of XXXX ( which Navient had the audacity to tell him he was lying about even being sick ). In light of the federal lawsuits being held against Navient, I learned that there were in fact processes that my Father and I qualified for on several of my loans ranging from income based payments ( because I made {$28000.00} a year when I graduated from school and could n't afford a $ XXXX/m payment ) to removing co-signers from a few of my loans ( my grandmother is a co-signer on some of my loans and during financial turmoil, it ruined her credit, my father 's and my own ). Now that my Father is deceased, NAVIENT told me I am the primary loan holder and no longer qualify to be removed as a co-signer, even though they purposefully withheld the process from us for over half-a-decade. 

Knowing now, that we did qualify for several programs that were never offered to us, even though I begged for reasonable programs to do so, we were constantly forced into forbearances that only increased the amount of interest we owed on my loans. There was even a point during the recession where we had all been laid off and we were told Navient 's hands were tied and we would just have to default. They garnished over {$10000.00} in tax returns WHILE MY FATHER HAD XXXX, when they had programs that could have helped us. 

All I ever wanted to do was have the ability to pay back what I owed, instead I was treated like a lowlife looking to get out of repayment, simply because I could not afford it and NAVIENT was actually withholding the programs that could have enabled me to do so. I have seen my loans increase almost 33 % over 5 years from compounded interest and I am just now able to afford paying back my loans. 

This all could have been avoided and I am deeply insulted and seeking legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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 and their employees, representatives, servicers, and third party agents ( collectively referred to as BofA ) have engaged in a racketeering business enterprise for profit envoling Requests for Mortgage Assistance ( RMA ), loss mitigation processes including, but not limited to modifications, dual tracking, and foreclosure processes. 
In this instance, BofA knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how BofA is to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. 
One example of this racketeering business enterprise for profit is when a policy and practice is established and intended to circumvent the rules and law. Specifically, XXXX and XXXX ( XXXX ), owners of XXXX ( XXXX ), have been executing foreclosures on behalf BofA designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their published document entitled California Foreclosure Timeline. This document reflects the steps XXXX, as beneficiary trustee, follow upon contrating with Bank of America to begin the foreclosure process. The XXXX timeline does not conform with California law, specifically the California Homeowners Bill of Rights ( CalHBOR ). There are legal requirements intentionally excluded from this timeline including, but not limited to, pre Notice of Default ( NOD ) outreach. 
XXXX was not made the beneficiary trustee until XX/XX/2016. While BofA may have intended to create or establish a business relationship with XXXX prior to the recording of the Substitution of Trustee in this instance, XXXX had no authority to act in any capacity prior to XX/XX/2016, but for acting as an agent of Bank of America in an already existing business relationship related to RMAs, loss mitigation processes and programs, dual tracking, and foreclosure processes and thereby establishing and evidencing a racketeering business enterprise and violations of the RICCO Act. 
I have not been treated fair and with good faith during and throughout the loss mitigation process or the foreclosure process however improper it may be as it relates to me and my home and property. 
A resolution would be all other previously mentioned resolutions and a detailed response addressing this and other complaints and escalated cases to date related to the modification, loss mitigation, and foreclosure processes.

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 2016-04-15 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: DE

Complaint narrative:
Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am receiving excessive calls ( as many as XXXX calls a day ) from Navient, for my student loans. I informed them the loans are a part of the XXXX XXXX lawsuit and asked for a stop on payments. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have repeatedly told navient representatives that I am XXXX and student loans are deferred while XXXX. I am enrolled at least half time, but they will not stop calling. They call at all hours and do not immediately tell me who they are. I have also requested multiple times that they not contact me while I 'm XXXX, but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 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: GA

Complaint narrative:
I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Bank of America for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with XXXX.

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 2017-02-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I 've been following the lawsuit with XXXX. I am a little concerned. I would like my loans through them ( which day closed on my credit ) verified. If they ca n't be verified I would like to have them removed. 

Also have some federal loans that are reporting " no payment '' and I recently filed bancruptcy and was told that I do n't have to make payments through this process and that they would n't negatively report. However, reporting no payment is adversely affecting my credit. 

I have been unable to reach live persons who can help me. I get transferred and then for some reason the phone keeps getting disconnected. I just seek answers and they ( loan servicing companies ) should desire to help consumers. 

Anything you can do to help with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Bank of America says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because bank of americas customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.

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 2015-05-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a illegal mortgage assignment, my notes was cancelled at the XXXX XXXX XXXX XXXX Bankruptcy Estate. The people who are on this assignment have committed fraud. XXXX XXXX was in bankruptcy and still is. I have XXXX illegal foreclosure judgments on me from bank of america. After a unlawful and illegal Judgment to Bank of America, they claimed to transfer the mortgage I do n't have to XXXX XXXX in XXXX 2013. I have filed a ID Theft claim and Affidavit with the FTC and my evidence along with my police report for mortgage Id Theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Wanted details of what 's owed and if I 'm being correctly charged, I 've called numerous times to try to get this information with no success ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a home in XXXX. According to the debt forgiveness act sign into law by president Obama that home which was foreclosed on in XXXX should not have been attempting to collect let alone claim delinquency on credit since XXXX and or show an open balance. I spoke to a bank of america representative and was assured that it was their mistake that the property showed that it was foreclosed and sold and that they would correct their mistake and remove everything from my credit report within 30 days. 30 days passed and bank of america continues to claim default on the loan stopping me from buying a new home. I took Hours out of a days to attempt to call and resolve this again and again and i keep getting the run around. I was told by bofa customer service representative that although he could clearly see it was a mistake that the house was foreclosed on and that it should not be delinquent that he did not know the disconnect and that he could not help. He stated that i would have to go to the credit bureaus to make them investigate it. I have done that but BOFA does not fix this issue when disputed. If my credit is not cleared up immediately and everything that bank of america negatively imposed on it i will take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05 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:
Last XX/XX/2017 I went to Bank of America in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help at all.

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