vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 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: MI

Complaint narrative:
This is a follow-up to a prior CFPB complaint regarding an account closure at Bank of America. Upon submitting my complaint, I received an e-mail from a bank representative named XXXX XXXX XXXX at the bank 's XXXX XXXX XXXX XXXX department. The email said to " please contact me directly at the number listed below '' and specifically warned against contacting via e-mail. However, THERE IS NO PHONE NUMBER LISTED ON THE E-MAIL! ( I believe a cell number was included without an area code. ) I would have thought this a simple oversight if it were n't for XXXX reasons. First, the e-mail is clearly a standard-issue response that they send to most complainants. Second, when I called the Bank of America general customer service desk ( it is impossible to reach anyone at XXXX Customer Care Resolution without their XXXX digit extension, which was also not provided ) to attempt to get a phone number to reach XXXX XXXX, they declined to provide XXXX for almost an hour and eventually provided me a number that does n't connect to anyone 's phone in the resolution department. ( This is not the first time that the bank has provided me an inactive phone number or a phone number that links to a voicemail box from which you will not receive any reply. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loans were consolidated by XXXX in XX/XX/1997. I have been paying on my student loans for XXXX yrs, yet the principal I owe has almost doubled. I started out on their graduated payment plan. Because the amount of my payment did n't cover any interest, any interest that accrued, they kept applying to the principal. I am now on an income based repayment plan. It 's the same thing. I 'm making the payments, but because they do n't cover the interest, they apply the accrued interest to the principal balance. How is this ok?? Now I 'm paying interest on the interest on the interest, etc ... This is such a scam. It needs to stop! They make paying off your student loan impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.

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 2015-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I co-signed for XXXX loans way back in the year of XX/XX/XXXX. 
My son defaulted on the loans and naturally the company ( XXXX now known as NAVIENT ) came after me the co-signer. I told them I am sorry but I have financial hardship due to my XXXX and medical bills and can not make any payments. It has been 14 years and the statue of limitations has applied. Further more these loans were included in my Chapter XXXX bankruptcy discharged on XX/XX/XXXX. It is in my contract that I can include in a bankruptcy if there is a financial hardship. 
Please have NAVIENT to stop selling the loan accounts to credit collectors. Please have the credit collection company to stop reporting non-payments to the credit bureaus. 
NAVIENT has turned

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, after more than 1 year of requesting and re-requesting documentation, stated I did not qualify for a modification loan. The reason they stated was debt to income ratio, that I made to much. However, XXXX other banks stated my income was not enough to get a new loan. Therefore, how can Bank of America state I make to much income while all other banks state I do not make enough? This complaint is inline with the lawsuit file against Bank of America for paying cash bonuses to their loan officers for denying loans to qualified borrowers. 
( go to web site or read excerpt below ) XXXX. 

This is an excerpt from the law suit : " Bank of America routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure, according to affidavits filed last week in a Massachusetts lawsuit. " We were told to lie to customers, '' said XXXX XXXX, who worked in the bank 's loss mitigation department until XXXX 2012. " Site leaders regularly told us that the more we delayed the HAMP [ loan ] modification process, the more fees Bank of America would collect ... ... .... '' Bank of America has not offered me any other alternatives. There underwriting department is in disarray. I '' ve read XXXX other complaints online that back this up. 

My loan amount has now tripled. BofA appears to think little of your department as far as any threat to disallow them from any wrong doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. My bill was paid when my account was closed in XXXX/XXXX/14 and never get any calls or reclamation from the company just recently.

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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account does not belong to me, I do not recognize this account at all, needs to be deleted

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 2017-02-16 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: NY

Complaint narrative:
I graduated from college in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was not notified about ANYTHING from XXXX or Navinet about my loans with their company. I stayed up to date with their offices, and they knew where I was and how to contact me. They never called me, mailed anything, or even attempted to reach me by email for 8 YEARS! Suddenly in XX/XX/XXXX and XX/XX/XXXX I was harassed that I owed out the nose, was given no alternatives for repayments or potions other than {$1500.00} a month or a " reduced payment '' of {$500.00} a month that would extend my loan until XX/XX/XXXX. 
I barely make anything and have to live with family to pay my loans. more than 60 % of my income a month goes to Navinet to repay the loan, and they offered no alternatives. They harassed my co-signer, and they threaten legal actions. I requested what options they could give me and was told more than once " We are a private loan company. We do not have to offer ANY programs and can take you to court to freeze your assets until you are paid off. '' With their actions I borrowed {$50000.00} and will repay nearly {$200000.00} now due to their FAILURE to contact me. They even threatened to take legal actions again my mother, who co-signed for {$10000.00}, and is now estranged from me because of the hostile actions of this company. THey refuse to acknowledge that I am on a low income and keep telling me that I need to find a better job. I already work 40+ hours a week for {$12.00} an hour, where do they expect me to find better work WHEN I CAN NOT GO BACK TO COLLEGE BECAUSE OF THEIR ACTIONS AGAINST ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Bank of America. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Bank of America, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Bank of America had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Bank of America properly compensate the damages they have done to their consumers, including me.

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 2015-05-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, my husband withdrew our entire balance of {$350.00} in person at the XXXX, Ma. Bank of America and instructed the teller to close the account. The following month we noticed a {$5.00} service fee and contacted Bank of America via chat online. The person said they would close the account and reverse the fee. The following day it appears they reinstated another fee followed by XXXX in XX/XX/XXXX and XX/XX/XXXX. My conversation this evening with a Bank of America rep over the phone left me with no results to close this account and stop the fees. At that point I did inform them that I was filing this report and intent to visit the branch and have no intention of paying fees on a XXXX balance account that they were instructed in person at the time of withdrawal to close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Besides a stack of XXXX plainly forged checks on Bank of America ( BOA ) which I recently submitted the complaint to CFPB, I would like to dispute another problem with BOA as follows : Recently BOA claimed a delinquent utility bill and automatically paid for it on my behalf, and then debited it on the monthly home loan account dated XX/XX/XXXX as " current period fees and charges ''. I did not have any details of the utility bill, but I presumed that it incurred before the date of release from prison on XX/XX/XXXX, and during the staying in the prison from XXXX to XXXX. I do not see any reason and any way to subscribe the utility service for my house at XXXX XXXX XXXX XXXX, XXXX OK XXXX that has been vacant without any authorized occupant and extensively damaged due to multiple break-ins ; the valuable properties in the house and the vehicle in the garage were stolen off ; so were ID and several credit cards ; check books of XXXX banks including BOA ; personal, investment and legal documents happened XX/XX/XXXX. In the light of identity theft and frauds in the time frame XX/XX/XXXX -- XX/XX/XXXX, I believe that the utility service was subscribed by fraud or unauthorized subscriber ( s ) unless BOA can prove otherwise or offers any logical explanation or speculation. 
I would like to have this problem be corrected fairly, or a credible and accountable explanation from BOA. 
Respectfully XXXX XXXX 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 2015-07-14 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:
During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 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: VA

Complaint narrative:
I had a federal student loan with XXXX ( now Navient. ). I 've been paying it since XX/XX/XXXX. The original amount was $ XXXXwith XXXX still outstanding. I 'm having trouble getting statements from Navient. Paid {$59.00} on XX/XX/XXXX and received a notice dated XX/XX/XXXX stating that my payment ( in XX/XX/XXXX due XX/XX/XXXX ) was not received and that {$28.00} was now overdue. 

I only have XXXX XXXX benefits to live on and feel that Navient is just harassing me about payments. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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:
The interest on my loan needs to be recalculated. I initially took out student loans in XX/XX/XXXX-XX/XX/XXXX. Later I returned to school from XX/XX/XXXX-XX/XX/XXXX and during that time the previous loan was not deferred while I was in school. My current loan servicer, Navient, has no record of attendance in XX/XX/XXXX-XX/XX/XXXX, and the advocate says they can not do anything despite having official transcripts presented to them. In searching the Dept. of Education Database, there is no record of my attendance during the years of XX/XX/XXXX-XX/XX/XXXX, therefore the loan was never deferred and interest accrued. Additionally, I question the interest charges during the period of XX/XX/XXXX-XX/XX/XXXX. During these years I was a student, on welfare and was not offered deferment of my loans. I need assistance in obtaining the true amount owed at this time after the interest adjustment. I would appreciate having someone who can help me a ) submit the official transcripts for school attendance from XX/XX/XXXX-XX/XX/XXXX to the correct contact, and b ) revisit the circumstances of the period during the years XX/XX/XXXX -XX/XX/XXXX, leading to a recalculation of my current loan balance. Your help is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: MA

Complaint narrative:
I enrolled in the XXXX XXXX University ( XXXX ) after responding to advertising that said I would be placed for employment upon graduation earning {$75000.00} per year. I applied for a Federal Student Loan but came to find out I was placed into a high cost private student loan. I hired an attorney. My attorney requested documents from XXXX and from Navient Solutions , Inc. XXXX is refusing to turn over my records and Navient Solutions , Inc. ( XXXX XXXX ), after receiving a request to turn over records sent my co-signor a demand letter threatening a lawsuit. My attorney has since given 30 day notice of my election to arbitrate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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: WA

Complaint narrative:
My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
It has been over a year since I sent the first complaint to CFPB regarding Navient and still nothing has been done ... During this year I have been doing all the research that I could to find out what my options are for repaying because Navient refuses to disclose those options. I have verified those options with the Navient representative and was told that they exist. We have discussed them at length and concluded that reaching a settlement was the option left. Since my funds were limited I have asked friends and family to help me come up with a sum that Navient could agree with. After many months of going back and forth and several representatives later, I was able to reach a settlement amount. This settlement and the terms were verified by XXXX, the rep with employee # XXXX at Navient. She told me that it was all approved and I can send it the money. I requested that I receive a letter with that approval as well as listing the amount and terms on that letter. She refused to send one and that 's when I filed a complaint with CFPB. I did n't get any calls from Navient to address this complaint but instead I got a letter with a totally different amount and terms. When I called back she denied that she agreed to anything and that I need to make up my mind and pay and hung up. I called back several times and after many calls she finally admitted that there was an amount agreed but that it was out of her power in what happened. After few more calls and pushing to get information I was told that her manager XXXX XXXX and the director of Portfolio Management department named XXXX XXXX, decided to not fulfill the agreed upon amount and terms for settlement and was told that now I owe the full amount otherwise I will be taken to court. I was also told that they have the power to come after any penny I make as well as force the sale of anything in my possession or ownership. How long is Navient allowed to exist with these type of business practices? Where is the oversight of such a bully? Does anyone even read these complaints at CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I filed a complaint a weeks ago and bank of America 's attorney responsed with a complete packet of everything that has happened with my loan but the problem is its all lies.I have tried from the beginning to WORK withBoA to resolve my problem.They are the ones who always block an opportunity for me to keep my home.This home means everything to me since my late father was the one who did all the work on it and it always makes me smile I still see him on the ladder or painting. 
I first call XXXX XXXX and they contacted BoA and they told me I would be getting a packet and my payment would be XXXX, problem packet never came.Went to XXXX, My housing counselor XXXX XXXX called Bank of America once again I was told my packet would come in the mail in 2 weeks, problem never came. 
My house was onb sheriffi 's sale XX/XX/2010, I got an inhouse mod that was almost XXXX. more, signed the paperwork and send my first check only problem they said they got the check but no paperwork.I am trying to show their tactics in dealing with me.I am sick to my stomach at the thought of losing my home but I ca n't believe that this nightmare has been going on for almost 7 years.Please I am enclosing some documents which show they are liars and have been doing this to me with only one intention to throw me out of my home.

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