vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-25 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: CA

Complaint narrative:
I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 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: NY

Complaint narrative:
On XXXX/XXXX/2016 I was charged XXXX {$35.00} fees for XXXX bounced checks. The checks were or {$5.00}, {$10.00}, {$10.00}, and {$50.00}. I called to see if they could assist on removing the XXXX smaller ones, those XXXX checks do not even total XXXX of the XXXX overdraft fees. i was advised they could remove XXXX. I asked to speak to a supervisor, I asked him the same question and was advised if it was a bank issue he could refund all of them but due to it being my bookkeeping issue there was nothing he could do about it. The man was hastly and unconcerned about the situation.

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 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I was a victim of fraud to my checking account with Bank of America. I immediately contacted the bank to freeze and close my account ; the guy informed me he would open a claim for an investigation. But could not close the account until pending transactions were cleared, I assured him I had n't made any transaction and it was possible more fraud. After receiving the letter from the bank stating that the claim was in my favor I contacted the claims department again. They assured me that the account still pending transactions and not to worry once cleared the account would be closed. I then went to open another account with the personal banker, explaining the situation to her. A few weeks later I returned to the bank and was informed by that personal banker that the old account was still open, I was angry so she and I reached out to the claims department. Only to get an attitude from a lady who told me oh well it 's my fought and there is nothing she can do for me, so the banker tried to get the lady supervisor name she refused to give the information. After 30 minutes of getting nowhere we decided to end the call and the banker said she would forward the situation to her superior and she 'd contact me. Never heard back from her, a few weeks later the fraudulent charges were now transferred into my new account. Discouraged on how the claims department treats their colleague and customers, I felt another attempt to call would be a waste of time and energy. I then cut the card up and ended my relationship with the bank! It 's now XX/XX/XXXX and I was informed by another bank I had negative activity on my XXXX report. I filed a claim, only for them to tell me that BANK OF AMERICA says the information is accurate on my report! So XXXX fraudulent account that was never took care of, turns into XXXX negative accounts on my report. This treatment is unfair to the customers and I 'm sure against the law and I DESERVE JUSTICE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I 'm a current client with Bank of America who has decided to refinance. I thought because I have been a client with BOA for 13 years and that they have my info and history that it would be pretty easy but I could n't have been more wrong. The experience has been an awful and I would never recommend them. I reached out locally and did n't get a response. I called the XXXX number and I was put on hold for 14 min before I hung up. I called the local office again and finally heard from someone. The documentation they were requesting was way out of what is normally requested but we complied. Our mortgage office had said she has never seen clients asked for the documents we needed to produce and because it seemed so ridiculous especially for a refi with current clients who have great credit and standing with the company she kicked it up to her superior of which nothing happened. They need documentation from the association, which was sent and but I was told they never received. The association let me know that they not only sent it that BOA sent them all my personal information including SSN in an unsecure manner. BOA said they did n't have the ability to send emails in a secure way which is absurd for any bank never mind one of the bigger ones. All of my personal information was breached, apparently went somewhere but BOA never got it. The association resend my info in a secure manner and BOA ca n't open it. The hoops that I have had to jump through the lack of customer service and the breach in my personal information have lead me to NEVER recommend them to anyone. At this point they have everything but the association docs ( because they ca n't open them ) and I 'm heavily contemplating pulling the whole thing and going with a much better mortgage company. They do n't deserve my business. In todays world with identity thief they have completely exposed me and my family and I have no confidence in them as a financial institution. If anyone has lending needs DO NOT USE BOA.

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 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America willfully commit fraud by allowing their attorney XXXX XXXX XXXX XXXX, XXXX, with the XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX to issue an order to auction off property to satisfy a debt by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, knew that XXXX XXXX XXXX does not own the property to be auctioned off by the XXXX County Clerk of Court, to continued the fraud. 

It is illegal to sell a third party 's property to pay off a debt by for someone else. 

Please find attached a copy of the filing # XXXX E-Filed XXXX/XXXX/XXXX by Bank of America to auction off property by XXXX XXXX XXXX. 

The Foreclosure judgement was against XXXX XXXX XXXX, as per the Notice of Auction Sale. There was NO Judgement against the " XXXX XXXX '' The " XXXX XXXX '' was never a party to the foreclosure action Please find attached a copy of the XXXX County Property Appraiser of XXXX, FL., confirming that the property is owned and deeded to the " XXXX XXXX '' The XXXX County Property Appraiser of XXXX XXXX confirms that on XXXX/XXXX/XXXX in Book/Page XXXX a QUITCLAIM deed was executed and transferring ownership to the " XXXX XXXX '' Please find the tax record by the XXXX County Tax Collector , XXXX , FL. , that the property is taxed under the name of the " XXXX XXXX,. XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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:
My account was suddenly stating that it was overdrawn $ -XXXX! I do n't know what is going on but I have n't used my card and I still have it in my possession

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 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I contacted 2 mortgage companies for a refinance. Bank of America was one. I chose to go with Bank of America because I have all of my finances through them, including retirement, and they were able to match the quote from the other bank I contacted. They took their time processing the documentation that was submitted, then all contact from them stopped and I was assigned a new loan officer without any notice. My closing documents were updated with a significant increase in closing costs, including points ( the original closing docs did not include points ). I reached out to the new officer via phone, and my previous loan officer asking about the change and asking for it to be reverted. They ignored me for some time and we missed the original closing date. Finally, after contacting them again several times, I finally heard back from my original loan officer and he assured me the the closing costs were accurate based on what I was paying for taxes, and that the points had been removed. I confirmed that the closing document had been updated again with the removal of the points, and proceeded with the closing. The closing documents were NOT updated again on the mortgage portal, yet the ones I signed included points. After closing I realized that the contract I had signed included points, and I contacted my loan officer. He explained that the closing documents had again changed after my conversation with him confirming that no points would be added. He explained that because the loan took so long to close they had to add points in order to keep my original locked in rate. I was constantly asking them what the problem was and there were not held up through anything from my side - the delay was entirely Bank of America 's fault, and I told the officer that I should not have been charged points when they did not notify me of the change prior to the closing date. They clearly pulled a bait and switch, hoping that I would not notice the original terms had changed. I submitted a review on their internal loan satisfaction survey and selected the option that requested Bank of America contact me to resolve the issue. That was several weeks ago and I still have not heard back from 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 monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 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: MO

Complaint narrative:
They refuse to let me make a payment over the phone without a cost. They refuse to give me a lower rate due to my finances because I have a co signer whom refuses to speak with them. Two years ago I sent them papers to change my name and it 's still my married name from 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Nevient is my lender.. I have made many attempts with income base and still being to high to a level I am unable to pay. I never get notice to renew. They factor my overtime which I am not always guaranteed. This causes me to continually place my account in forbarnces. Customer service is never any help. I want to pay back however, they are not making it easy to do so causing my interest to increase. They also are not helpful with getting me enrolled into loan forgiveness as I work for civil service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: CA

Complaint narrative:
This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.

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 2015-08-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 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: GA

Complaint narrative:
Received XXXX from the following bank for which I have never had any borrowing business : Bank of America , N. A . 
XXXX XXXX XXXX XXXX, TX XXXX # XXXX Payer 's E.I.N. XXXX I have not had any credit card business, borrowing or etc., this is either a mistake, identity theft or fraud or intentional internal reporting to cover an internal fraud. Do n't know which. I have previously frozen my credit because of past identity borrowings. Turned this matter over my attorney, he says report this to your agency as bank refuses cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I surrendered the property at XXXX, XXXX VA XXXX in XX/XX/XXXX during a modified bankruptcy plan. Bank of America never transferred ownership after my bankruptcy was dismissed. This is hindering me from purchasing a home and is holding me accountable for anything associated with the property ( grass, trees, etc. In XX/XX/XXXX they sold my loan to XXXX Mortgage who is currently trying to collect payment.

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 2016-02-09 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: IL

Complaint narrative:
My account went over XXXX in overdraft fee for charges that processing on my account before XXXX electronic checks were charge to my account. When I went back to take a look at my account I notice that the items that was in my account process somehow came out of a negative charge balance on my account. When the XXXX checks came into my account my account had fund in it with XXXX items processing. Overnite I check my account and XXXX elerctronic checks that came into my account somehow was processing and the items the was slide using my debit card was in the negative status and not the XXXX checks. I called and ask the rep on the phone what happened to my surprise the rep stated that the checks camae in before the items that I slide on my debit card going back and forth with the rep stating that was not true that rep became to tell me that is how it goes. Then I asked how was I charged XXXX overdrafted fee I thought I was only charged XXXX fee and then after 5 days I would have another XXXX added if that XXXX was not paid for. He then told me no bank of America charge you {$35.00} per item by government law. I then let the rep know that I have had this account for sometime and there has never been over draft fee on my account like this. So then I check my account on the 3rd day of overdraft and seen there was a 5 day over draft fee add and then another and then another. I called the bank the rep said that is right and there is nothing I could do about it. Now my account is XXXX in over draft fee with my account went negative on the XXXX of XXXX. I ca n't take this anymore I have been paying fee more than using my account. I do n't know what is going on but I need to report this because there is something seriously wrong with there system with charging these fee incorrectly to the consumers account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I filed Chapter XXXX in XXXX 2013. We did NOT include our mortgage, however, Bank of America has reported on our credit report that our mortgage was surrendered in a bankruptcy. This is a bold face lie. We continue to pay our mortgage regularly and on time to Bank of America, yet they will not remove this lie from our credit report. Also, they have not been reporting our ON TIME payments to the credit reporting agencies. This has been ongoing for almost TWO years. What can we do to force Bank of America to correct this injustice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 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: FL

Complaint narrative:
A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I was having trouble paying my loan because I had a minimum wage XXXX, they would call me everyday, multiple times a day, and add huge late fees to my loans. When I answered the phone they would make me answer a long list of questions and at the end they would tell me they could n't help me.

Company response to consumer: Closed with explanation