vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 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:
Someone presented my Idenity at Bank of America and withdrew my money. 
-Total {$10000.00}. {$5000.00} from checking on XXXX occasion, and {$5000.00} from savings on another occasion. 
XXXX separate Branch banks. XXXX in XXXX, NJ, and XXXX, XXXX XXXX, NJ. 
XXXX separate occasions. XXXX, checking on XXXX/XXXX/15, and XXXX, savings XXXX/XXXX/15. 
-I was told that the signatures did not match. 
-I do not live in the above state. 
-These withdraws are completely inconsistent with my financial record and habits. 
It is clear to me from the above information that Bank did not do its job to protect me or my money. There are many red flags. On XXXX separate occasions, a person withdrew large amounts of money w/o a signature match in a state that I do not live. This is neglligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Bank of America, who without questions accepted it for the written face value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have tried contacting everyone from my loan servicer, Navient, to the XXXX XXXX XXXX Ombudsman ... I have written documentation along with return receipts from my numerous attempts to apply for financial hardship. I only took out {$7500.00} in student loans with XXXX XXXX. I paid that much back in full. There is no way i couldv'e taken out over $ {$15000.00} in student loans in less than a calendar year ( plus I still had to buy textbooks out of pocket ). I attended the XXXX XXXX XXXX XXXX XXXX -- enough said. Even art institute will not reply. My credit is ruined because not only in navient loan on there, but every time they turn it over to someone else, its a new negative mark on my credit. I have begged for debt verification. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Bank of America XXXX XXXX, XXXX NY she told called Bank of America legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Bank of America legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Bank of America failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have submitted documentation to the credit bureau requesting that they validate this account that they claim belongs to me, with three attempts made on my behalf they have yet to submit an actual contract made between my self and Bank of America, Bank Of America has yet to show my any information with my name address or social security and something with my valid signature attached. they have updated my credit information with out any verification from me and with out authorization

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 2016-09-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid the XXXX 2 months of the car loan when I purchased the car. I then completed the form as instructed by the Bank of America to set up automatic payments on each month on the XXXX of the month. The bank denied this request and I had to seek resolution from a supervisor to get the direct payments authorized. I was not made aware of the problem for 2 months. When I learned of the issue I immediately paid for 2 months due AND 2 months forward. After speaking to a representative I was assured that this would NOT affect my credit report and was NOT on my account. 
This is NOT an error on my part and as a consumer I did exactly what the bank said to do when they said to do it and now my credit report is damaged and I am unable to get a home equity line of credit. The line of credit is required to pay for outstanding expenses related to XXXX XXXX and XXXX that have cost me thousands of dollars. 
As a result of this I am asking the bank and or credit bureaus to remove this information immediately. I have also retained a lawyer and would like your assistance to sue all parties that are involved with the negative rating and impact of my ability to secure the loan. I would like to get this resolved and if not then someone rather than the consumer who has and is acting in good faith. 
XXXX XXXX XXXX Bank Of America Auto loans.

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 2016-03-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Bank of America and they said that technically I missed the date because the clock starts after " opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Bank of America agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Bank of America stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Bank of America personnel regarding resolving the issue by issuing the bonus points. I followed up again with Bank of America and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Bank of America has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Bank of America to honor their agreements.

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 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I paid off a mortgage with Bank of America in full last week. When I called them yesterday regarding the {$910.00} and change balance in my escrow account I was informed that it was their policy to hold that money for 20 days in case there was any financial claim against the property for outstanding tax. I pointed out that the sale went through a title company who would not have issued title insurance if there were any outstanding claims against the property. I then suggested that if they were going to hold my money that maybe they should pay me interest on it, of course that was not an option, even though I pointed out that if I had {$910.00} of Bank of America 's money for 20 seconds let alone 20 days they would expect interest. They may have some legal loophole that allows them to do this but just because you can do something does n't mean you should. They are holding my money for no good reason other than they have found another way of ripping off the consumer.

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 2016-01-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX 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 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been on XXXX for 3 years. I was never offered lower payments, instead was told I need to purchase a forebarence, I did this several times until Navient told me I was out of forebarence/deferments and Private loans do not qualify for XXXX forgiveness like Federal loans and that my social security XXXX payments would be garnished if I did n't continue paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We refinanced our home in XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX they charged us bogus closing fees and also did not give us a Good Faith Estimate. Banking and Finance in XXXX let us know that XXXX XXXX XXXX XXXX did not have mortgage license in XXXX.when they refinance us in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX license expired XXXX XXXX, XXXX. We found out from XXXX the lender title insurance company that the lender title insurance with XXXX XXXX XXXX XXXX was still active in place. We had a title search done on XXXX XXXX, XXXX to question the validity of debt with Bank of America. The title search came back that XXXX XXXX XXXX XXXX still has a open security deed on the property.Bank of America claim they own property but according to title search the only thing listed is a subordinate note with the XXXX in the amount of XXXX. Bank of America got XXXX on our behalf from HUD on XXXX XXXX, XXXX to reinstate our loan where we were behind in payments. Bank of America got the XXXX in our behalf and tried to hide the XXXX by taking us out of our FHA loan. Then Bank of America put us into a in house modification to hide the HUD money of XXXX that they received in our behalf. Bank of America to this day still has n't reinstated the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have a loan from Bank of America for our home. Total house price was {$45000.00} and we have made some baloon payments and the loan balance is only {$29000.00} or less. 
For all the property taxes of 2015, we have paid all the taxes to the taxing authority on XXXX XXXX, 2015. We had personally been to their branch office and met XXXX XXXX XXXX and given those receipt copies. I had also sent an email to her asking her not to make those payments. I had also paid all the escrow account due on XXXX XXXX, 2015. 
Escrow account is only meant to cover any and all the taxes paid by BOFA. Now there is no taxes paid by them and they have refused to accept it and asking for the payment of escrow account. I should be responsible for the payment of principal and interest in the amount of appx. {$550.00}. Instead of that they are threatening us to foreclose on the house. Also we have paid in escrow account a total of {$38000.00} or more and they have paid out only {$32000.00} or so. I have asked for more than 30 days ago for the account details and I have got no response on that. My loan no is XXXX XXXX. My cell no is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only until the age of XXXX ( I am currently XXXX ) and then the balance would be forgiven. ( I would pay tax on the forgiven amount ). My student loans exceed {$150000.00} because of the interest that has been improperly capitalized over the years, because payments have not been properly applied, etc. Now, they are telling me I am not in the interest only plan and that I am in another plan, paying nearly {$900.00} per month. This is not what I agreed to. I should be paying {$600.00} per month, as I had for over 5 years. Now they are saying I owe all kinds of back payments, etc. I have repeatedly disputed their claims. I have been unable to get a mortgage because of the false claims from the student loans company. I have XXXX kids to support.

Company response to consumer: Closed with explanation