vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I checked my on-line account with Bank of America today and found a XXXX maintenance fee assessed.  This fee is part of BofA "updating" their checking products.  The Change in Terms (CIT) notice dated XX/XX/XXXX for that update indicated that I could avoid the fee if I met XXXX of XXXX requirements as of my XX/XX/XXXX statement cycle. I met XXXX of those requirements as of that date, a CD with a balance of at least $10,000 and a line of credit (HELOC) with a balance of $15,000 or more, so I did not think that the fee would be imposed.  I called BofA today and explained my position.  She stated that the cause was that my accounts were not linked. I stated that as far as I was concerned they all are linked as I can see them all in my on-line profile and can transfer funds among them as needed.    She indicated that this was an internal linking process and she took steps to do that with all of my accounts.  She also processed a reversal to the maintenance fee.  I am writing to make others aware that the same maintenance fee may have been imposed on their accounts despite them having met one of the qualifying requirements .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have received at least XXXX " home loan refinance opportunities '' from Bank of America, who holds my current mortgage. The latest letter is attached, both front and back pages. I believe the manner the refinancing option is presented in these letters is misleading, deceptive, and potentially illegal. 
The letter boldly emphasizes several times that I will save {$3000.00} per year. But this savings is not primarily due to a lower interest rate, it 's primarily due to the conversion of my current 20-year loan to a new 30-year loan. Yes, I would save the {$3000.00} per year for 20 years, and then I would owe an additional {$14000.00} per year for 10 years ( this risk is vaguely mentioned in a very-small-font footnote on the bottom of the back page ). I would basically pay about {$80000.00} more, while Bank of America pockets {$2800.00} in fees and costs. 
Bank of America has complete and full access to all details of my current mortgage and to all details of their proposed refinancing plan. They have the information to accurately and honestly present their refinancing opportunity. Instead they are willfully and intentionally choosing to present the offer in a dishonest and deceptive manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
i ordered a file on me from XXXX and found recorded information that i suspect as fraud activity. There are three discrepancies on my file that has a home address that I 've never lived at.

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 2015-04-15 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: NY

Complaint narrative:
I have multiple loans with Navient. When I make monthly payments they consistently mis-allocate my payments among loans so that I overpay on some loans and underpay on others, resulting in them charging me late fees. I then have to have lengthy phone conversations to resolve this. This has happened on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear sir, In early 2015, my late wife became ill, and she became deceased. I XXXX XXXX XXXX informed the bank of her passing, which is why I was unaware of any correspondence informing of a change in the pay plan of my mortgages. My bank was authorized to automatically pay from my checking account. They had no right to stop this service agreement because the checking account is only in my name, therefore my late wife had not been enrolled in this electronic payment service agreement, and I am responsible for making payments, which were routinely drafted on the scheduled draft date. 
I should not be charged for insufficient funds because the servicer stopped automatic payment, and that resulted in a late payment or otherwise in default.

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 2016-12-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
This is a follow-on to the response that Bank of America had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.

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 2015-05-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX things : Bank of America is refusing to allow us to pay our mortgage each month in XXXX parts- Both being early and before the month due. They continuously treat the second payment as deficient ( partial ) and ignore the first payment. And they then trigger additional service charges, interest and reported to the payment as late our credit bureaus. 
Second issue : We want them to decrease our principle. Our house is underwater by a very large amount and we paid for years and years a very high interest rate which they finally lowered when we complained to the XXXX office in XXXX Massachusetts. While our interest rate is no longer 8.65 % but a more modest 4.25 % - we have always had perfect credit and good income and have NEVER missed a payement or even paid late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX XXXX is on my credit report as the collector for MBNA. I, at one time, had an MBNA credit card. I did a balance transfer in XXXX of my MBNA account balance to my Bank of America Credit Card to take advantage of a lower interest rate promotion. The MBNA credit card was closed with this transaction. I closed my Bank of America credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to B of A until I could no longer do so. I stopped paying Bank of America in XXXX or XXXX. Bank of America this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX XXXX XXXX XXXX XXXX and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the XXXX , XXXX collection for MBNA I saw the error. Record of my MBNA balance transfer must have been made available in the post-merger Bank of America files, sometime after XXXX merger of the banks. I do n't owe any money to MBNA. Bank of America paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with MBNA for over a decade. I 'm paying whatever portion of the Bank of America credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the MBNA credit card account, in monthly installments to IRS. At best this collection account is too old and MBNA stated mistakenly as the original creditor, so it would appear to be a separate debt from the Bank of America credit card charge-back. XXXX , XXXX on behalf of MBNA appears to be using old, settled debt to pressure me into paying them money not owed by 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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Navient has been collecting for 10 yrs payments for XXXX loans we received [ all in 2006 ] ... ... the balance of all three loans right now are greater [ each loan ] than what originally was borrowed [ XXXX loan is now XXXX greater!!!!! ] We 've paid XXXX 's of thousands of dollars in the past ten years and show NOTHING for it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Regarding my complaint number XXXX. The Bank of Americas has responded to my complaint. As you can see, it is with contempt for the authority of the CFPB. Both letters were submitted on the same day and previous to your message of XXXX/XXXX/2016 saying they needed 60 days. They modified my loan : the results are the same 9.5 % for {$50000.00} loan.

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 2016-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I missed my payment in XXXX. Then I made my payment plus extra towards the remaining balance and have been making payments for the last three months slowing reducing the debt. They are asking for a minimum of {$1300.00} a month! Which is absurd and I have a hard enough time making the minimum payment, but I do plus extra every month. They call my house, my cell, and my work 5-6 times a day! It is non stop. They send emails, calls, email, calls multiple times a day and I already am making payments. When I speak to them to stop - they hang up and call again. I make {$1500.00} payments each month to get current. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 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: MT

Complaint narrative:
I attended XXXX XXXX XXXX for XXXX. I graduated in XX/XX/XXXX. I am currently XXXX, my term began in XX/XX/XXXX and end XXXX. Part of the deal of being an XXXX is you are entitled to student loan forbearance during your term. I have an account with XXXX XXXX/Navient to which I submitted the standard formal forbearance request/notice to every address I could find and it has been denied. As you may know XXXX make a VERY modest living stipend, just enough to get by and we can not afford to pay our student loans on such an income. The XXXX forbearance is essential to the position and is one of the reason ppl accept such low income for hard work. XXXX XXXX has refused my forbearance despite many attempts. When I spoke with someone on the phone they were very rude and said they 'd never heard of XXXX. How a major student loan company has never heard of XXXX blows my mind and comes across as purposeful. Since that call they have been calling me and my mother XXXX times a day between the hours of XXXX and XXXX and emailing me frequently. The most recent email seemed to posit that the account was now being handled by a collections agency. The account was not in collections before I started my XXXX term and now is because the wo n't accept what I understand to be a mandatory forbearance. PLEASE HELP. I can not afford to pay this loan while in service, doing so would leave me with literally nothing after rent and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It has been more than one year since contacting you requesting help with my incorrect ending balance at bank of america who is the servicer of my home loan. I have tried unsuccessfully numerous times to refiance my mortgage loan dating back to 2013 first with bank if america then next with XXXX. BOth banks will not close my loan unless I pay a balance that is incorrect. Bank of American has added to fixed 30 year monthly payments and ending balance incorrect forced insurance, late fees. Reported too all Credit reporting agencies my loan as being late over the past twelve m onths. Impacting my credit reporting scores to be too low to obtain another loan. MY current rate is XXXX plus. I have lost out on over three years of XXXX to XXXX per month in loan savings

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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Deceitful reps, inaccurate information, jacked up fees and undisclosed rates have significantly increased my loan balance. The availability and transparency of other payment options, military benefits, and other programs designed to help me pay back my loans were not readily available and convoluted and inaccurate when speaking with reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was told to forgo making my house payment and we would then be eligible for a loan modification through BoA. The usualthing happened in that it took over two years and in the interimwe did not make the payments while waiting. Our credit was hitvery hard and the derogatory remarks on our credit ratings wereaffected as well as over {$35000.00} worth of " interest and fees ''. 
Can anything be done to correct this? This also put our mortgageunderwater which means we can not refinance. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hi my bank account was basically stolen and is being withdrawed of a lot of money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: MS

Complaint narrative:
Recently I was informed that I have a loan with a company called Navient. I explained to the representative that I was unaware of any private loan and that I am unable to pay the loan at this time. I also explained that when I consolidated my student loans I was told this would include all of my student loans based on the ( NSLDS.ED.GOV ). I have explained that I am on an income based program with the consolidation of my student loans ( Direct Loans ) with determined that based on my current income my income is not sufficient to make payments at this time. I asked the representative for any options on cancelling or doing something similar with this loan payment she stated there are no options to do that and that I should ask my XXXX grandmother who does not work to help make the payments. I am not sure how she expects and elderly woman that I care for and support to make payments either. I truly feel she did not intend on helping me an any way!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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 graduated XXXX in XXXX XXXX and could n't find a job until XXXX XXXX. But my private loans would n't put me in a deferment status saying I used it all up when I graduated XXXX. Now my loans are close to default and I 've tried to make payments once I got my job but then was let go and they do n't care and are about to default my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Bank of America card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by bank of america, then I filed a police report and my claim was denied again. Now I am filing a complaint here.

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