vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause.

Company public response: Company chooses not to provide a public response
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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was working a full time job and decided to start taking classes with money out of my own pockets. I called Navient to see if I could be placed on in school deferment, and was told I could. There was always an issue and I would get calls every once and awhile, but after I explained they would look into my account and would say I should n't have been called and its taken care of. A week before I finished my classes my department at work was outsourced and we were laid off after 6 years. I then called Navient to see were I could go from there and was informed that my particular loan could n't be put on complete deferment and I was suppose to make interest payments. The $ XXXX interest payment seems unduly harsh but I may have been able to struggle it although even while fully employed I still lived check to check scraping bills by, but to be told that I owe 4-5 months in back pay is impossible. This seems unexceptable due to the amount of conversations we had, and their lack of record keeping or knowledge of their systems, for them to not know about the loan they are instructing me on seems ridiculous. I attempted to file a complaint and they said they could do nothing and it was on me, and not their employees who were instructing me. I tried to keep filing more complaints, and was told a manager would call me to address my concerns, none did. I got the calls from the employees who knew nothing of my account just telling me I was past due by 4-5 months. They informed me they would not release to me the recorded calls of our conversation unless I legally got a supoena. This has tanked my credit and has effected me financially, as well as XXXX. When I was employed it was almost impossible to make all my loan payments because and they could n't do anything to lower it, now that my income is unemployment I ca n't pay them anything.

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient cheated me out of my rights to lower payments by deceiving me and not giving me the best interest rates and payment plans. Navient has not given me a fair chance to pay back my student loans. At every stage of repayment, Navient chose to shortcut and deceive me to save on operating costs. Navient failed to correctly apply payments to my accounts ; steered me into paying more than I had to ; and hurt my credit by misreporting to the credit-reporting agencies the status of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: VA

Complaint narrative:
I am the co-borrower on a student loan. The borrower has made all his payments ( a few late, but made. ) I have ask and the borrower has ask to release me from the loan and we 're told it ca n't be done. This loan was taken out in XX/XX/2005 the borrower has paid over {$22000.00} on it ( of course all toward interest because the original loan was {$32000.00} and the balance now is over {$36000.00} ) We are asking to release me the co-borrower, the borrower will continue to make his payments as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We received an offer from Bank of America to refinance my existing loan with BAC. I called them to apply for a 15 year refinance, to replace our current 30 year mortgage with them, with 24 years remaining. We submitted all the documents required, XXXX, tax returns, social security benefits. My credit score is XXXX ; our credit usage is only 2 %. My income is in the mid $ XXXX. I have no debt other than my mortgage. I was never late on any payments. I paid {$450.00} for an appraisal. 
Bank of America rejected my refinance application stating " Debt to income ratio : Excessive obligations in relation to income ''. This is totally untrue, since I have a XXXX score from XXXX of XXXX, and a credit usage of 2 %. 
Absolutely no one from Bank of America responds to my phone calls or emails. 
Please help me in resolving this issue.

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 2016-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In 2013 I had to file for Chapter XXXX Bankruptcy. Originally my loan was managed by XXXX XXXX, but they have since sold my student loan to Navient. I continue to get harassed 7 days a week even though the representatives know that I am under bankruptcy protection. They continue to call me every day about my student loan. I refuse to answer the calls as it is harassing for them to continue to call me knowing that I am under bankruptcy protection when I speak to a representative. I ca n't access my account online or do anything as the representative that I spoke to confirmed that my account is locked from internet access as I am showing my account under bankruptcy. Now, they 've submitted a very low report onto my credit despite my previous conversations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: CA

Complaint narrative:
XX/XX/XXXX, I sold my interest in a XXXX, and divorced my husband who immediately moved back to XXXX. He and the other XXXX XXXX kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: MD

Complaint narrative:
I have been set up for automatic debit payback. At the beginning of XX/XX/XXXX it said I should be paid off by XX/XX/XXXX with only XXXX dollars left. XXXX did I know they were skipping payments and saying some months I have not owed anything for the month. In part I think to extend the loan and collect more interest. When I asked them they said oops we 're sorry it must be a glitch. We will take care of it for you. Now this year as of today I owe XXXX and have an estimated XXXX. Now something does n't add up because If payments were being debited I would have had more than XXXX dollars off the loan because my payments are XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: VA

Complaint narrative:
I have been on an income-based repayment plan. I submitted my application early for renewal but received no communications. When I called, I was told that they had not received the application from student loans.gov yet and would not for up to a month longer. I waited the month which put me close to the deadline and then called to be told that there was missing information. I had never been notified of this. I submitted the information, having been told that they would expedite the processing so that I would still make the deadline. They did not expedite the information and now I am being told I need to submit more information. I am now overdue with an amount I can not pay. I will have to pay fees and go into forebearance which compounds the problem of high student loam debt. If this was the first time I would consider it a mistake but this has happened every year I have applied for income-based repayment. Income-based repayment is the only way I can feasible afford this payment and feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello - I opened a new Citi bank account. The account has a promotional offer attached. I believe I satisfied the terms of the promotional offer, but Citi does not wish to honor the promotional offer. 

In direct correspondence to me from Citi XX/XX/2016 Citi says : XXXX " The terms and conditions of Promotion XXXX are as follows : 1. Open a new Regular Checking account in the Citigold or the Citibank account package by XX/XX/2016. 
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account. 
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account for 30 days from the date of deposit is made. '' I have satisfied these terms and conditions but Citi will not honor the promotional offer as they claim that I am a current signatory on a joint Citi banking account with my wife, and that this negates my eligibility for the promotional offer. 

I believe that Citi mislead me in correspondence Citi XX/XX/2016 Citi says : XXXX as they state clearly the terms and conditions to be approved for the offer and I meet these terms. 

I shall attach this correspondence from Citi with this complaint. 

Thank you, XXXX

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 2016-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: LA

Complaint narrative:
Central Financial Control has contacted me about XXXX debts that I do not owe. When I called the licensing department of XXXX the woman I spoke with said the address I gave her ( XXXX XXXX XXXX XXXX, XXXX XXXX ) was not pulling up a license in her system. Regardless of their response to my dispute, they are not legally bonded at the address they continue to use to contact me with.

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 2016-11-04 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a credit card balance transfer at 12.24 % after 18 months at introductory 0 % rate with a 2 % balance transfer fee with Chase Bank on XXXX XXXX, 2016 on a credit card I have had for a very long time that was recently paid off. I was requesting a transfer from a XXXX credit card I have through my credit union, XXXX XXXX XXXX XXXX. The expiration date of the offer was XXXX XXXX, 2016. It said it would take up to two weeks for the offer to process. I checked online and it showed my transfer as processing for a couple days, but shortly after the request I was unable to access the entire balance transfer section online, including the offer page and transfer status page. When I called yesterday after waiting the alotted two week period with no transfer going through, they told me it did n't go through due to suspected fraud and that they tried to contact me, and said they would not honor the balance transfer terms since they had expired. I could instead do a balance transfer for only 12 months at 0 % with 12.24 % after but with a 3 % balance transfer fee. I was never contacted either through email or phone about this suspected fraud and was as stated unable to access the area online before the phone call. When I went online immediately after the phone call, suspiciously all of the information was again accessible with just the currently active balance transfer offer available. 

I am concerned that they were doing some sort of bait and switch to get more out of fees and a shorter 0 % period. I told them I was uninterested in that offer at this time after the customer service rep offered to do the transfer with the current higher fee offer right there over the phone. I am also concerned that they are doing this with other customers as well, and I just wanted to share my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Bank of America Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Bank of America is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Bank of America is refusing to look into this any further. 

Can you help me? 

Thanks, XXXX XXXX

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 2016-04-25 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: SC

Complaint narrative:
I have a HELOC with Bank of America. It was originally written by Countrywide and sold some years ago to BOA. I have a BOA checking account used exclusively to autodraft my monthly interest payments to the BOA payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with BOA mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my BOA branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my BOA account. I never stopped the autodrafts. No one at BOA can explain how they stopped - not even their technical support division. No one at BOA will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. BOA has designed a system in which its customers are put at great risk.

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