vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A friend of mine agreed to wire to my Bank of America ( " BofA '' ) account a simple {$1000.00}. 
We expected the XXXX weekend to cause a timing inconvenience, but we never expected BofA to take absolute control over my accountissuing unauthorized and unapproved wire transfers out of my account setting upa series of chain reactions. 
It put me at peril because I was unable to meet my rent obligations not oncebut XXXX to my landlord in a XXXX-week 's period. 
First the money is there then it is not, then it is again, etc. 
I lost wages because I had to sit in XXXX ' hot afternoon sun protecting mybelongings from marauders. 
It caused untold amounts of XXXX not knowing what new and utterlyridiculous twists BofA would foster upon my account. 
Furthermore, BofA definitely put me at risk of losing my recently-acquiredjob and career. 
I finally contacted another friend who transferred money via XXXX money transfer service to my account. 
It worked perfectly. 
XXXXThis is what happened ; Instead of wiring {$1000.00} to my account, BofA sent {$1000.00} to my friend 's account. 
This put my account in the red and incurred fines and fees. 
BofA apologized and agreed to reverse the fees claiming it was a simple clerical errorUnfortunately, as wealthy as they are, I would have to wait days until theycould clear up the error, refund my money, and pay me the money owed. 
No way, no how, even though they admitted their error. 
In the meantime, I got evicted due to lack of funds. 
My property was out on the streets. 
And, I lost time at work. 
And, I got assaulted protecting my property. 
And BofA is very sorry. 
Next day, BofA is evidently still on holiday so nothing happens. 
I got a friend to help me out an get off the street. 
The next day, BofA finally credits my {$1000.00} but not only reverses it, they issue another wire against my account incurring more fees and fines. 
This is a nightmare. 
Evicted. again! 
Lost work, again! 
My account is negative and even if a friend sends money, BofA gets it first. 
Of course. 
So, I suffer some more all because BofA ca n't handle a simple wire transfer...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America assessed a fee for monthly maintenance ( {$12.00} ), without ever properly noticing me of the changes in the terms of my account. I had been a customer with no fees on a checking account since 2009. I would have happily avoided the fee by maintaining a minimum balance or a direct deposit. In fact, I transferred money out of the account, which would have avoided the fee, but I did n't know these new conditions applied. I pleaded with Bank of America to waive the fee due to the lack of notice, without any luck. Instead, Bank of America will lose my business for {$12.00}!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02 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: MN

Complaint narrative:
I have been consistently paying Navient, private loan, for over 5 years. Originally, they were collecting my extra monthly payment and using it for future payments. My balance would should XXXX every month due to over paying. 2 years ago, I found out about this dirty practice and had them change extra payments to go towards principle loan. 
These past 3 months, it seems they changed my payment method back to extra payments being pushed to future interest or pay, showing a XXXX monthly pay balance. After paying off $ XXXX on a specific loan, I repeatedly told a Navient rep 2 months ago, I want extra payments to go towards principle. They did not comply to my request and have continued to keep my payment method same. This is a dirty practice and they are collecting " free '' money from the hardworking consumers. The loan balance has not gone down and they are stealing. I would have been done paying off the private loan had they put my extra payments to the principle loan. Please put a stop to this form of payment system by Navient. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 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: VA

Complaint narrative:
XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.

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 2016-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am delinquent on Bank of America Credit card by many months. My husband is XXXX ill and after being told by XXXX he had XXXX, I quit work as an XXXX to care for him, XXXX years ago. I did not expect this and expected to return to work long ago. I have placed him in a home a few weeks ago and plan to return to work soon after I get personal affairs dealt with. I have filled out their form on their website filling in financial info for delinquent accounts telling them everything I have including income, debts etc. I have written to them asking for written communication only. They simply wrote back and said " We need to speak with you. '' They still continue to attempt to call XXXX or XXXX times every day.

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 2016-11-06 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: FL

Complaint narrative:
To whom it may concern, From XXXX, I attended XXXX a private college in XXXX no longer in operation. I have XXXX. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There are no suspension of payments or repayment plans based on income or consolidation of multiple loans without a credit check. Navient may state that these options are available but this is not true. What Navient offers are temporary fixes that do nothing to address the real issues, high interest rates, lack of consolidation options, and a willingness to assist in a flexible change of terms so that loans can be paid off in a reasonable length of time.The interest rates charged for my private loans are 12-13 %, variable and not negotiable. The terms are 30 years. The payment has been around {$770.00} a month not counting Federal loans. I have been making payments for almost 7 years and the balance has not changed. I am allowed to ask for a limited number of forbearances ( {$150.00} a request ) but this does not stop the accrual of interest. Navient treats all loans as if they are federal when it suites them, such as grouping Federal and private loans together when setting payment amounts on household income instead of individual. I moved my Federal loans to XXXX to provide leverage when discussing my private loans with Navient. What few rights I have, I have learned to use. My loans are based on my income now, after reiterating these are private loans to the customer service staff. 
I have always paid my student loans. I am now XXXX years old and on Social Security. I see no incentive to continue paying private loans that, in essence, will never be paid off before I die. I have written to XXXX, the Ombudsman at Navient and now this agency. Please level the playing field for private loan users. I stopped taking private loans after 2 years at college when I realized what was happening. There is something wrong when 2 years of private loans have an accrued balance greater than 4 years of Federal loans. The real crime is there is not a thing I can do to pay my loans off and my only option appears to be default. Thank-you for your attention to this matter.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
First of all, thank you for the work you do. You are all invaluable and underappreciated. 
When I started repaying my loans around XX/XX/2014 after graduating university, I was not aware of Income Based Repayment. Only after I have maxed out all my credit cards ( about XXXX dollars added on top of what I already owed ), and when I had no means of paying the over XXXX a month I was being charged, did I find out about income based repayment. My credit will take a couple of years ( about 2 ) to recover ( that 's because I 'll stay at home and eat mainly chicken, eggs, and ramen ). Granted, I 've had a recent hard inquiry into my credit, and I missed one payment one year ago, but the amount of credit card debt I have now is the major factor affecting my credit. And the APR on my credit cards are double the rate that the student loans were charging me. If I just applied for IBR right after returning from university, would I be in the situation I am in now? Did I miss an opportunity? How much money did I actually lose and continue to lose? I 'm only paying XXXX a month now, and my previous job, when I first left university, only paid me half of what I make now. I went to the XXXX XXXX XXXX XXXX XXXX, in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: CO

Complaint narrative:
I have XXXX student loans through Navient, XXXX with co-signers and XXXX without. Due to medical /financial issues, I have fallen behind on making payments on the XXXX loans without co-signers. Navient has resorted to contacting my co-signers, in an attempt to get into contact with me, about the XXXX past due loans. This is an abuse of the information they have at their disposal and I want it to stop. Navient should only be contacting me directly and, if available, I will take their call or respond to their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
" Bank Of America '' sold my debt, to a Law Firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I was with Bank America for 35 Years, same branch for Thirty Five Years. My parents bought their home, through Bank of America, for 30 years. So XXXX years, collectively. My Credit Score was XXXX, in 2006. But because of my bad health, I live on XXXX, only. I have no assets, no investments, no savings account, zip! I have {$4.00} to my name! I was contacted by a " Process Server '' XXXX XXXX XXXX XXXX delivery person was here. I did not answer the door! I have a XXXX XXXX, do they want to have a " Wrongful Death Suit? '' Please leave me alone. I have nothing! I do have terrible health, and I am broke. A Law Suit is waste of your time, money, & energy, and very STRESSFUL. Do you need their E-Mail, if so, here it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a " XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks!

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 2016-01-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08 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: WA

Complaint narrative:
I have a student loan with Navient ( the off shoot company of XXXX ) that is in good standing ... Naivent acquired my student loan as a rehabilitated loan from XXXX XXXX more than two years ago but XXXX XXXX is still reporting my previous balance to the credit agencies even though this account was transferred to Navient. Thus, in my credit report it is showing the original balance at XXXX XXXX plus my current balance which is showing me to be doubly in debt on my student loan. XXXX XXXX, through their automated voice system ( you can not speak with a live person ) refers ALL calls and inquiries to Navient and Navient will not make the correction though asked multiple times in formal written requests and phone calls over the past two years. I have provided copies of my Credit Report and more. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Well on XX/XX/2016 I did a mobile deposit using the app that Bank of America offers. Usually after i do the mobile deposit I properly dispose that check. Well for whatever reason I did n't do it at that time. Check was left on my wallet for 2-3 weeks unnoticed. On XX/XX/2016 a delinquent person stole my wallet. Use my credit cards and deposit the same check into his bank account is XXXX. Well, this person forfeit part of the signature by adding XXXX to it ( which I never use ). Since the check had been clear from my bank weeks before, Bank of America debit my account for the amount that was on the check without checking or consulting if this was a legal transaction or not. I started this process on XXXX when I received the letter on the mail. I been calling the fraud department from both banks and all they are doing is blaming each other. I consulted my company payroll bank and because they did n't suffer any loss they ca n't do the affidavit of loss and Bank of America does n't want to do it for me either. I work hard for that money, it was my mortgage payment. I need someone to help me. Please.

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 2015-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Contacted BankofAmerica.Reference to Mortgage loan being delinquent. 
Entered into a short forbearance payment plan, to start on XXXX/XXXX/2014 with XXXX for 4 months. This would catch us up to current status at end of XX/XX/2014.Have submitted XXXX pmts of XXXX by transfer of our checking acct, Totaling XXXX to mortgage dept andstatements showing confirmation # Received and posted.to misc.posting But, due date notcorrected.On last pmt. to be made, We contacted BOA due to an emergency, Had to usedlast pmt funds .Come to find out loan xferred to other lender.With info. not being corrected. 
Nationstar working with us on modification of our mortgage loan, but, show us for XXXX pmts past due.Request, to locate funds.Where are our pmts? Even out interest and escrow acctsare wrong.Pls Help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question

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 2015-08-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I joined a repayment plan through Navient in the beginning of XXXX. Before you are entered in the repayment plan, you have to go through a 3 month qualifying period. I was informed of the 3 month qualifying period and that after the 3 months my Navient account will be up to date. However, I was not informed that my loans are still going to be sent in for collections which will affect mine and my co-signer 's ( on one loan XXXX credit. I did not receive any phone calls from their collections department or any letters stating that they would CONTINUE collections. No collections calls were made so I was under the impression that it was no longer being sent to collections. 
As of tomorrow, the loan that my co-signer is on, will be brought current and Navient refuses to fix the delinquency errors that were their fault due to their neglect in providing that specific information. Now my co-signer ( my father ) can not get the house that he was trying to get. He was pre-approved for a VA loan and now, due to these delinquencies on his credit, is no longer eligible for the loan.

Company response to consumer: Closed with explanation