vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 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:
I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an " undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Bank of America can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I opened a Rewards Money Market Savings Account with Bank of America. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Bank of America Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Bank of America website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Bank of America, I was informed by a customer service representative that the " linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only " linked '' the accounts for overdraft protection, and despite the information on my account webpage stating that the accounts were linked, they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were " linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Bank of America. While it cost me a relatively small amount, there could be much greater effects for others.

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 2015-09-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I applied and was awarded a Bank of America Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Bank of America increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I received my income tax and paid my mortgage through XX/XX/XXXX. When I went to my account I saw they had withdrew 6 payments and leaving my account in the negative as well as paying mortgage through XX/XX/XXXX I called ( 10+ ) and went to the branches 4 times to have the 2 extra payment refunded to my account as well as get the the account to reflect correctly. Instead they refunded all the payments accept for a payment in the amount of XXXX in which they still have. And then sent me a letter of intent to foreclose on the XX/XX/XXXX. The payments due are XXXX for the XX/XX/XXXX payment to make it a full XXXX. ( XXXX plus XXXX ) and then the payment went down XX/XX/XXXX and XX/XX/XXXX to XXXX. I have tried 4 times since all this has happened to pay the XX/XX/XXXX and they returned the {$27.00}. They are not accepting transfers and I can not pay in the branch. I have sent them a certified check on Thursday. And I have to wait to see what happens.

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 2015-04-16 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: TN

Complaint narrative:
I received multiple private loans from XXXX XXXX in XXXX to attend XXXX XXXX XXXX XXXX in XXXX, TN. Due to medical issues with my son, in XXXX, I filed bankruptcy. My bankruptcy was discharged XXXX XXXX, XXXX. During my bankruptcy, XXXX XXXX became Navient. Since my discharge, I have made multiple attempts to reconcile my student loan debt, including settling several of the loans. When I log into the Navient.com website and XXXX of the settled loans continue to show in a past due status. Another of the private loans, shows current but Navient refuses to apply any of the money paid them to the principal, apply it only to the interest. On the loan detail page, it states that my repayment plan is Full Principal and Interest, yet when I call Navient they state it is in an Interest Only repayment plan. On that same loan, in regards to the repayment, they send me a paper statement that I do not have a payment to make, then but I see on the website that they are expecting a payment. I call to the customer service department and they immediately transfer me to the collections department, who then states that my loans are not past due, so they proceed to transfer me to customer service who continues to be unable to help. I asked to speak with a manager, at which time I was placed on hold, then received a message stating that they were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint narrative:
I have lived abroad since 2007. I have XXXX children and will likely not move back to the US in the foreseeable future. 
Unlike competing loan companies, it was impossible for me to pay Navient via an international bank, either via transfer or by debit card. Later this was changed and they tried to process my information through debit card, but conveniently, " could n't process an international card ''. 
A few years ago, I moved to the XXXX which runs on a transfer based system. Any card that I use for international payment is a credit card, which Navient will not accept. They have indicated that the only way for me to pay is via international transfer, which effectively costs me {$50.00} per transfer in bank fees and exchange rate commissions. I currently owe roughly {$20000.00}, which should take approximately 10 years to pay back. That is over {$6000.00} in banking fees alone and almost a quarter of my total federal loan, not to mention what I have accrued in payment fees for non-payment, which quite honestly, I have lost track of. 
I am fully willing to accept my debts, however, the inability of Navient to accept and process foreign payments has made this an impossibility.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Repayment issues. 
I was entered into the XXXX program for XXXX years, payments were based on certain criteria and payments were manageable. XXXX ( and circumstances ) have not changed in XXXX years ( I have more debt actually than years past ) and suddenly payments have gone from under {$30.00} a month to over {$300.00}. Seems like Navient 's XXXX program has had a change in calculating their new repayment terms, or I am, again, getting screwed by XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was charged late fees when I was communicated over the phone that there would be no fees charged. Specifically, when I entered a special interest rate reduction program with Navient the customer reps told me that i should not make any payments because it would mess up me being approved for this special program. i told them multiple times my account shows delinquent the customer reps told me not to worry that the account would show normal once I entered this interest rate reduction plan. I call Navient to ask about these charges.I was placed on hold for extend amount of time and i was passed from customer rep to customer rep. Then i left a feedback vm that no one follows up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: SC

Complaint narrative:
On XX/XX/XXXX Navient forced me to put my XXXX private student loans into forbearance, 2nd time. When I called to ask what kind of options I had, as I was down on my luck, they told me the only option I had was to put my loans into forbearance. I would have to pay {$50.00} per loan ( XXXX loans makes {$100.00} ) and I only had 3 months. After those 3 months I could either begin paying again or I could continue in forbearance for another 3 months. I was only allowed to do this twice. After 6 months I would begin paying my loans again. During the time of forbearance I would continue to accrue interest. Navient added capitalized interest of {$870.00} on XX/XX/XXXX and {$880.00} on XX/XX/XXXX for a total of {$1700.00} + {$200.00} ( Money paid to put loans in forbearance ) = {$1900.00}. Before submitting my complaint I started to look over my account. Let 's take a step back to the beginning when I began paying my student loans, on XX/XX/XXXX, I find out XXXX XXXX at the time, on XX/XX/XXXX, {$7100.00} of capitalized interest was added onto my loan. And then another {$2200.00} of capitalized interest was added to my loan on XX/XX/XXXX, that 's an extra {$9300.00} added to my loan before I even get started. When I first began paying my student loans ( XXXX total ) my payments were well over {$500.00} with interest rates as high as 13.625 %. It 's hard to make student loan payments that high with a culinary arts degree from a college that is no longer open or relevant. Per their website XXXX XXXX XXXX, XXXX XXXX XXXX is no longer accepting applications as of XX/XX/XXXX. I 'm sure you guys are real familiar with both Navient and XXXX XXXX XXXX as they have both been in the media, and I 'm sure I 'm not the only XXXX submitting a complaint on either of these companies. 
Over the past 13 years I 've had a total of XXXX different loans with sallie mae and navient combined, with interest rates ranging from 2.770 % to 13.625 % and payments ranging from {$400.00} - {$600.00} a month with no repayment options because navient wo n't work with me. I currently have XXXX private loans left valued at a total of {$47.00}, XXXX at 7.5 % ( variable ) and my estimated payoff date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a Bank of America visa card. In XXXX of 2015, I reported a fraudulent transaction from XXXX. BOA quickly issued a new card and assured me the matter was taken care of. In XXXX 2015, I noticed the fraud charge was added back onto my account as a " fee. '' After calling BOA, I was informed this was the result of a computer glitch and had happened systemwide. I 've since called customer service three more times and have been told it could take months to resolve. Meanwhile, the charge remains on my account, meaning I have to either pay the fraudulent charge or incur interest on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank of America has grossly mishandled the POA and POD accountssssss that were set up for my terminally ill mother and continues to operate at the height of incompetence during estate proceedings. They have issued POA checks POA checks drawn from the incorrect joint tenancy accounts, they have issued checks issued checks that could not be used by merchants, they have sent POA check to the checkbooks to the wrong address. In the interim, the POA account could not be accessed not be accessed on line, nor could an ATM card be issued for it. They advised me to try to break into my mother 's on line account by guessing the passwords which I finally was able to do. When she passed away, they denied immediate access to a POD account even though a death certificate was presented and notarized on the grounds that their " policy '' preferred that joint beneficiaries present their claims as the same time, when they are clearly entitled to half a portion each. When informed I was a long term B of A customer, they " relaxed their rules '' even suggesting that I could get some more " preferential treatment. '' They advised that they were not sure when they could send my portion and advised that I should just " look for it '' in the mail. When I finally got them to call the Estate Division, they finally understood the money was immediately payable. 
My sister, upon arriving from her home in XXXX, went through the same hoops with the XXXX branch. they got me on the phone and finally after several hours conceded she should receive the money too. 
My father went to cash out and close the Joint Tenancy account he had with my mother which is now his ( with no questions ) as she had died. 
They proceeded to draft a check from the POA account which should have been frozen, claiming now that the {$5700.00}. joint account was a POA account. They finally corrected it after I spent two hours on the phone with the Estate Division.The breach of their fiduciary duty and the standard of custom, practice and ethics in the industry calls for redress. It is abominable and warrants a class action as many others have grievances as well. 
Three branches are involved. And the problems persisted and would not go away.

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 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
I have sent a cease letter, twice. They continue to call. I have also asked for validation of debt in writing ( over a month ago ). I have heard nothing. Just non stop calls at my work. Then it goes to my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: GA

Complaint narrative:
Due to an entry-level income after finishing college, I was unable to meet my steep $ XXXX student loan payments monthly. Navient, my student loan provider, recommended forbearance and told me I was ineligible for any form of income-based repayment over and over again. As a result, over the past 4 years, I have seen my XXXX student loans totaling {$42000.00} collect {$12000.00} in capitalized interest. I was told this was my only choice to keep my account current and in " good standing. '' I was never given any other options, short of failing to make payments altogether and destroying my credit in the process. 

It was n't until I learned that Navient was under investigation and started looking closer into my statements that I realized this had taken place. I have made regular payments, and yet my combined principles have risen to approximately {$55000.00}. 

I studied overseas, so my school is not in the drop-down menu below. I earned my XXXX from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: OH

Complaint narrative:
I just read the press release and if it pertains to me, I 'm upset that I was never told about income aligned repayments as I struggled to make payments with a minimal income.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Naviant has put an extra {$30000.00} on my loan saying thay I owe a total of XXXX. Since they took over my account all they would do is put a forberance on not fully telling me they 'll be charging all these fees. I only have a two year degree from XXXX college. Navient and XXXX XXXX are robbing students who attended for profit schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My dad passed away on XXXX/XXXX/2016. He had a checking account with Bank of America with a somewhat substantial balance. My dad was diagnosed with XXXX 2 years ago and decided that he would put my brother and myself as beneficiaries on the account. He did this with the understanding from the bank that upon his death my brother and I could go to the bank with identification and death certificate to get the funds. 
However, we did just that and Bank of America said they could not disburse the funds to us that everything had to go to their Estate Unit. The Estate Unit would review everything and if they felt everything was good they then disburse the funds. This could take up to 72 hours for them to review and then they would decide if they could disburse the funds. From a legal perspective the purpose if the POD/beneficiaries is so that you do n't have to wait to receive the funds. My dad set the account up this way so that we would have money to pay for the funeral. 
Bank of America thinks they can do whatever they want and make up any rules they want. No one should have to go through the nonsense we went through today to get the money that is legally theirs.

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 2016-03-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.

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 2016-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was charged an overdraft fee ( {$35.00} ) on my Bank of America checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I " already had XXXX overdraft fee refunded. '' So somehow, I 'm being penalized because the bank made a similar mistake twice!

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 2015-06-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America XXXX BOA XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against BOA, apparently your office is simply a 'Horse and Pony '' show. This time BOA has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for " Payment returned unpaid '' XXXX. " returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say BOA ), a representative from BOA emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and BOA, BOA continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation