vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After posting my furniture for sale ( for XXXX dollars ) on XXXX, i was contacted by a potential buyer who sent me a check for an excessive amount ( 2000 dollars ) and wanted me to wire the extra money ( XXXX dollars ) to his bank account as a fee for the moving company. 

After i deposited the check at a counter in Bank of America, my account showed the transaction as " Processing ''. After 24 hours, this changed and the funds became available. With this assurance of availability of funds from BOA, i went ahead and sent the wire transfer to the guys moving company via money gram. 

3 days after this, BOA got back to me stating that they are having to deduct the funds they credited to my account as they were unable to clear the check. They are holding me responsible for the fraudulent check. 

If they had n't cleared the check that i deposited at their counter after 24 hours, i would not have sent the wire transfer. At the very least, they should have informed me clearly ( not via some invisible fine print ) that the check has n't cleared yet and would take 4-5 days for final deposit instead of making the funds available without any caveat.

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: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
As of XX/XX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX XXXX CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all 3 credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home.

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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had taken several private student loans out from smaller banks that have since dissolved. XXXX XXXX took them over and now Navient has them. My interest rate has fluctuated and my payments made are not refelcted correctly. I still am paying XXXX private loans for a total balance of {$76000.00} owed, which is mostly interest they are charging me. These loans orginated in 2001 and they changed my interest from 4 % to up to 14.25 % without my knowledge. When I call to question why my minimum payments were so much higher they said I have to pay and pretty much hang up in my face. I decided to stop paying them and after XXXX months of being delinquent they finally agreed lowered my interest to 4 %. They are making it impossible for me to pay the principle off because everything is interest owed and I feel it 's armed robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: NJ

Complaint narrative:
I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: NC

Complaint narrative:
My name is XXXX XXXX and I 'm a XXXX year old XXXX living in XXXX XXXX, North Carolina. I would like to file a complaint against Navient/XXXX in regards to maximizing their profits for purely they 're own interest instead of providing better financing options and counseling and helping me payoff a loan I took out in XXXX as a young XXXX year old. Instead it ballooned to XXXX! Originally loan amount was XXXX. I 've never missed one payment over 12 years and always paid on time. Check my credit score. I often waited on the phone for hours to speak to customer service reps who I could not understand clearly and would transfer me around constantly cause they could not answer my questions. 

I have every email, letter, and bill filed away. I now have constant XXXX as it seems I 'm only working for a loan I took out 12 years ago. It 's hard as a small business owner to invest and make any improvements when you can not pay off a loan principal even after 12 years. 

Large Capitalized Interest Fees were added on frequently during XXXX. Hmmm. Interesting timing. I also had to take out a separate second loan called a XXXX XXXX XXXX ( XXXX XXXX XXXX as well ) when I enrolled in a XXXX college in XXXX, Ohio in XXXX. I 'm just about to finally pay it off and the original balance was for XXXX. 

When applying for these loans ... a child could complete the application and be approved. When I needed help because I lost my job, or could not find work due to the housing crisis and poor economy I still made every payment on time. This loan might literally be the death of me! 

XXXX XXXX XXXX

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.
State: MO

Complaint narrative:
Every time I pay it seems like the total amount due goes way up. I have asked multiple times to lower the monthly payment. They tell me and then force me to do a forbearance and then when it 's over their like it will then be lowered. When it is time to pay and the forbearance is over, the monthly payment due is doubled. I have XXXX children and a XXXX that I take care of and it seems like I am struggling as it is let alone paying a ridiculously high payment that just keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America credit card which I used to pay for services to XXXX SEWER SERVICES. The vendor provided inadequate service, and despite repeated calls to the vendor I could not get help with the work they did in my bathroom. On XXXX, the said vendor, XXXX, worked on my toilet flush the was not working, but the problem was not corrected. XXXX sent over a unqualified person to work on my toilet. He could not fix the problem and had to call in support to help him replace a simple flush valve. Not only did this operation take two hours, but the problem was not solved, now the toilet began to leak. I called XXXX several times but I was not helped. I therefore had to get an estimate from another vendor, XXXX, who not only fixed my problem, but I paid almost a XXXX of the cost XXXX charged me. When I reported the problem to Bank of America, they wanted me to produce evidence of the defect. I sent hem a copy of the estimate given to me by XXXX XXXX, but Bank Of America did not help. I am writing to have my credit charges reversed. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my credit!

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 2017-01-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2017 Bank of America represented to me, through their collections and foreclosure specialist XXXX, my property has been conveyed. When I asked for clarification as to what, exactly, does " property conveyed '' means I was told it meant Bank of America is in possession of the property. This is not true as I currently reside in and occupy the property as my primary home and place of shelter. I immediately informed Bank of America of this fact directly to their representative, XXXX. I also requested that this information be added to the remarks on the account to reflect Bank of America is not in possession of the property and that title has not been conveyed, if " property conveyed '' has ever been intended or represented to mean or imply that a Trustee 's Sale of the debt associated with the subject Deed of Trust conveys title and, therefore, ownership of the real property. 

In the State of California, in order for the bank to take possession of real property without the consent of the possesser or owner, the bank or one who has a claim of ownership currently not in possession of the real property, must bring a private right of action through California Superior Court. Otherwise, the current owner and possesser claims of right to title and ownership go uncontested and without issue. At present, this would mean I remain the current owner and retain ownership and title of the subject real property. 

XXXX Requirements are as previously stated and are to include the following : Prior to recording a Notice of Default ( NOD ), the bank or servicer must certify, under the penalty of perjury in a statement affidavit or declaration to be included as part of the NOD, a new and complete review of the account records have been conducted to determine Dual Tracking violations have not occurred. Once this review has been completed, the bank or servicer must maintain this certification so as to be current, true, and correct up to and though the date of recording of the NOD. If the bank or servicer can not determine if Dual Tracking violations have occurred or Dual Tracking violations have occurred, then no NOD may be caused to be recorded until a determination can be made to certify and declare Dual Tracking violations have not, in fact, occurred related to the account, borrower, and property to date. If it is determined Dual Tracking violations have occurred, steps must be taken to resolve dual tracking conflicts without penalty or detriment to the borrower whatsoever. 

All previously mentioned resolutions are desired and mandatory.

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 2015-06-03 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: CA

Complaint narrative:
The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We received debt collection calls from Bank of America Loan Recovery Group for past 10 months for a debt that is not ours. We have called the BOA Loan Recovery Group as instructed on the collection calls at XXXX & XXXX on six ( 6 ) separate occasions requesting that the calls be stopped. Each time the person taking the call said their records would be corrected. We continued to receive calls from BOA Loan Recovery Group on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016. The calls are for someone named XXXX XXXX ( sp? ). We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our cell phone number for 2 years. We need to have these calls stopped.

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 2017-01-25 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: AK

Complaint narrative:
I tried to pay off my wife 's student loan about 3 months ago and they reversed my payment from my bank so I kept making my monthly payments as before from our other banking institution. No explanation was given. This occurred on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: FL

Complaint narrative:
Navient/XXXX missallocated my payments in a way that I would have to pay them more, they refused to move the money around and told me they could essentially put my money where ever they wanted. I then protested paying them building up interest over time. Also, every time I tried doing income based payments they said they only offered forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.

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 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened a checking account with that offered a {$100.00} dollar sign up bonus after direct depositing {$2000.00} per month for XXXX months. More than XXXX days after that ( the time window they stated they will deposit the bonus within ) I still had n't received it so I called to follow up. I was told that they would investigate it, a few weeks later I received a letter with the terms of the offer again implying enrollment. Since I heard nothing further after a while I followed up again. This time I pressed for a response and was told that because I have previously received such a bonus I was ineligible. After this I reread the original terms which stated that you must not have had a Bank of America checking account within the past 6 months which I met. I was told that I did n't qualify but not given a satisfactory answer by the customer service representative of why but she agreed to have me contacted in the future with an explanation of the specific part of the terms that I failed to meet within a couple of weeks. I never received that follow-up.

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