vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 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 the servicer of this home loan mortgage account caused to be recorded a Notice of Default ( NOD ) on XX/XX/XXXX without completing the required pre-foreclosure outreach in accordance with California Civil Code 2924.55 ( f ). 
Bank of America has admitted, in writing, to have tried to contact me twice. Bank of America and their representatives have not tried with due diligence to contact me otherwise than that prior to recording the NOD after assurances from Bank of America that no foreclosure process shall be commenced. Additionally, when I tried to contact Bank of America, all I got was the runaround. I have even been told that Bank of America forbids their representatives from conversing on a borrower recorded telephone line, which mine is in accordance with the laws of the state of California. 
Furthermore, no post-foreclosure outreach has been commenced to date, but that is a moot point and activity since Bank of America has already violated the pre-foreclosure requirements. 
To date, no XXXX XXXX County Recorders Office certified recorded Rescission withdrawing the NOD has been provided to me as requested. 
I have resided at the property address continually since XX/XX/XXXX as a primary residence.

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 2015-06-30 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: TN

Complaint narrative:
My father has been dead for XXXX years and was removed off the loan while XXXX XXXX was servicing it. Now I have Navient calling AND adding his name BACK on the accounts. I have been thru all of this with XXXX XXXX firm over a XXXX They ( Navient currently ) threatened me with seizure of property, that they would NEVER stop calling. I sent a cease and desist letter certified and already received, advising no contact BUT regular mail and Im still getting emails. I also requested proof of debt that I have yet to receive. Still less than 30 days though.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity 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 explanation
Consumer complaint received 2016-07-11 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: CA

Complaint narrative:
XX/XX/XXXX, one of Navient 's agent had me complete and file the wrong documents to apply for unemployment deferment. Instead she had me submit a forbearance and did not inform me of what can incurre on my loan during forbearance. I was just told that I will not be charged any interest while in deferment and that I will restart my payments in XXXX XXXX. My application was accepted XX/XX/XXXX and I was on what I thought to be a deferment. From XXXX XXXX to present ( XXXX XXXX ) I have been charged {$83.00} on each individual loan that I have consolidated under Navient Corporation and it has racked up to XXXX and my repayment date has changed to XXXX XXXX, XXXX but I am still receiving documents stating that I do n't have to pay until XXXX XXXX, XXXX. The agent and the supervisor I spoken to another agent and a supervisor over the phone and they could not explain to me why this was affecting my credit score, why I am being charged interest on a Federal subsidize loan and when I am actually supposed to start repayment. I was told that there was nothing they can do for the mistake that their agent has made and that I was advise to pay the Interes now so that it will stop incurring on my loans. I was also told that if I do n't pay the interest it will be capitalized on my current loan and will continue to incurre on my individual loans on top of the federal interest rate. I tried to look up all the documents that I have submitted online to Navient and was also advised that the documents can always be viewed there. But I found nothing of my submissions to be viewable, only letters sent by Navient Corporation was viewable so I ca n't fight the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 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: MO

Complaint narrative:
I have both private and federal student loans with Navient. There are two issues that need to be addressed. My credit score recently dropped XXXX points because Navient mistakenly reported I owe a {$520.00} payment! My payments to Navient are auto debited on time each month, twice a month.I immediately called Navient to inquire about the supposed missed payment of {$520.00}. They checked my account history and showed that I was current on my accounts and they had no idea where {$520.00} was coming from. I check my credit regularly with XXXX XXXX and am attaching documentation. I also called XXXX to verify that my score had dropped and they confirmed it had recently changed and they were showing that Navient was reporting a payment due of {$520.00}! I would like Navient to report to Equifax and any other credit bureaus that I do not owe a payment of {$520.00} and they mistakenly reported that payment due and tell the credit bureaus that I am and have been current and on time with my payments to them. 
The second issue concerns making payments to Navient where the majority has been applied by Navient to interest and a minimal amount toward the principal. I am attaching documentation of my recent payment history with Navient. I 'm specifically speaking of payments made on XXXX a payment of {$200.00} was made and only {$62.00} went to principal. Two payments made on XXXX one for {$150.00} where only {$1.00} went toward principal. The other payment ( on same day ) for {$60.00} where only {$0.00} cents went to the principal! These payments were made less than 10 days after the loan payment was due and paid. So the majority of those payments minus 7 days of interest should have gone to principal. And again, another payment for {$200.00} on XXXX/XXXX/2016 where only {$53.00} was applied to principal! This is not an ethical business practice. They are ripping me off and making it impossible for me to pay my debt down. I 'm at a 4 % interest rate on my private loans and a 6.5 % on my federal loans. I would have to be upside down with an outrageous interest rate for my payments to be applied the way they are applying them. I want Navient to scrutinize my payment history, especially the payments I have specifically pointed out here in this complaint, and fix this by going back and applying the money from my payments to the principal as it should have been done when the payment was made. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with 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 non-monetary relief
Consumer complaint received 2016-09-24 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: FL

Complaint narrative:
I have been reported inaccurately to the XXXX credit bureaus for having late payments on a student loan in which should have been in forbearance. I was never informed by Navient that my loans were out of forbearance and now they have been reporting my student loans as 120 days late? That is unacceptable as I am a XXXX veteran and am i the process of trying to fix this. It has single highhandedly ruined my credit. This should never be the case especially when I was never properly informed of the issue. I only found out what they were doing by pulling a credit report. This company has very questionable business practices and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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: CO

Complaint narrative:
Was in XXXX XXXX XXXX XXXX in XX/XX/XXXX. Hospital has 3rd-party billing company - XXXX ( AKA XXXX ' ). XXXX & I have had ongoing billing issues thru XX/XX/XXXX, due to my 'overpayment ' of bill ( which should 've been 'zeroed out ' due to my insurance/their billing mistakes ). Have received XXXX ( XXXX ) refund checks from local state facility ( no address avail via XXXX, but have local # AND XXXX # ). 3 months had passed, as of this week ( opened mail XX/XX/XXXX, no datemark on XXXX envelope, just XXXX 's return city/state of XXXX, Tennessee ) with Bank of America 's debit card ( aka 'BofA ' ) attached to default debit card form, only referencing XXXX logo up top of form, reference in bottom right says, card value : {$100.00}, XXXX XXXX XXXX XXXX along with included bank facts of how private information can be shared. Never authorized 3rd-party billing to 'volunteer ' my private information ( including my SSN, which is referenced in bank doc ), nor agreed to it in hospital documentation. Contacted XXXX via XXXX #, asked for supervisor, got XXXX XXXX, rude, interrupted my statements of HIPPA violation reasons & that I 'd previously gotten refund checks, by saying it was NOT HIPPA violation, that it was 'new ' policy ( my summation is that I wo n't be the only individual dealing with this HIPPA violation ). I interrupted her to get her full name, told her I would be reporting her for HIPPA violation and hung up. Tried calling my bank to see what options I had, no one available to help, decided to call local state XXXX #, spoke to XXXX XXXX. Am uncertain whether she 's aware of other office 's ( corporate? ) policy, BUT was extremely pleasant and helpful, said she 'd follow up with me 24/48 hours later via email, repeated back to me my requests : 1, to have my private info removed from BofA ; 2, that I get a refund CHECK from XXXX ; 3, that BofA credit card made void.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: NY

Complaint narrative:
i was enroll with this company XXXX XXXX XXXX and i was making payments since XX/XX/2014 i do n't know what to do or where to go, who can i call??? is there any way i can get my money back??? the money that i paid when to my loans? its so confusing if any body can explain something to me i will appreciate it Thanks a lot in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MO

Complaint narrative:
I am regularly sending this debt collector {$20.00} per month as a check. They sent me a letter stating that on XX/XX/2017 I " provided verbal, recorded consent as your electronic signature authorizing [ the debt collector ] to process reoccurring, electronic funds transfers from your bank account ... '' I did not speak to them by phone. They could not produce this recording if they were asked for it. 

They go on to say that " this payment authorization is valid and will remain in effect unless you notify [ the debt collector ] ... '' I take this as a threat to illegally seize money from my bank account unless I contact them to dispute their lie. I do not want to contact them. I am paying this debt off, slowly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. 
( 3 ) Settlement statement and service notice. 

However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. 
( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. 
The XXXX system does n't reflect any XXXX ever filed by BofA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My student loan is serviced through Navient. Navient makes calls to my children and spouse disclosing personal/ private information through voice mails. They have obtained cellular phone numbers to harass. I would like this harassment to cease. They make it really difficult to attend to this matter through this collection harassment. I am fearful that speaking with them will only strong arm me into a situation I can not manage. This is out of control now from past collection activities which recommended only forebearance as options. I had a XXXX loan which is now over XXXX . Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: PA

Complaint narrative:
My student loans have been transferred from XXXX XXXX to Navient. After this change occurred, it is no longer possible to set up an automatic debit greater than the minimum required payment. This capability was available before the change. 
This clearly puts additional burden on anyone attempting to pay off their loans ahead of schedule, as manual payments would be necessary on a monthly basis to achieve the same effect. Further, it works to the benefit of Navient if their debtors have difficulty making payments greater than the minimum, as it makes it more likely they will be able to collect additional interest. 
Therefore, I am submitting the formal complaint that Navient has effectively changed the terms of my loan repayment without my consent, and unfairly increased the burden on their debtors to their financial advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is my fourth time I am complaining about Bank of America! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Bank of America can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Bank of America is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!

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