vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Debt was ACH into New Bank of America credit account instead of the right credit account known as XXXX XXXX and no longer Bank of America ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the Bank of America, now known as the New Bank of America, transferred it after the payment date into the Bank of America, now the debt buyer XXXX XXXX XXXX account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from XXXX XXXX, nor the New Bank of America, or the Bank of America on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the XXXX XXXX ( Bank of America ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against Equifax. This complaint is for XXXX XXXX ( Bank of America original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of XXXX XXXX to be cooperative with the federal and state consumer protection laws.

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 2015-07-15 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.

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

Complaint narrative:
Navient is refusing to place me in an income driven payment plan due to that fact that I have not submitted a XXXX for a secondary job I had earlier in the year. However, I submitted a signed affidavit stating how much money I made and per the Student Loan Income-Driven Repayment Plan application, that kind of information is accepted as income verification. I followed the instructions completely. However, as the documents attached show, they are saying I have not provided income verification. They are attempting to place me in the standard repayment option. 
Additionally, this past XX/XX/XXXX I informed Navient that I was re-entering school and asked them to NOT place my loans in deferment, however they placed my loans in deferment anyway, and informed me that I would not be even able to enter into a payment plan for XXXX months after leaving the deferment. So I can not make qualified payments for a payment plan for loan forgiveness until XX/XX/XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I received an email offer from Bank of America on XXXX XXXX, 2015 offering a {$300.00} bonus for signing up for a checking account and having $ XXXX of payroll direct deposit within 3 months. I met those requirements and never received the bonus. It has now been over 6 months and still no bonus. I have called Bank of America customer service at least 10 times. I 've talked to multiple supervisors who have to check with their promo dept to look into the matter and to the best of my knowledge they are having trouble finding me in their database of customers who received this offer. This has been going on for 6-8 weeks. No one seems to really want to address my issue. I 've offered to forward the email and provide any other info to prove to them that I received the offer email from them but instead they give me another date and put me off for 2 more weeks while they escalate my issue. I have done everything I can think of to solve this on my own but have run out of options. At one point someone at BofA suggested I go to a local branch and have them fax a copy of the printed email I received which I was willing to do except for there are no branches within XXXX miles of where I live. 
This is fraud. They 've offered me something, I meet all the requirements, and then BofA requires me to spend 25+ hours of my time on the phone with them fighting for the bonus.

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 2016-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a Bank of America money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Dealing with XXXX XXXX was a pain. They were never clear about how to pay and any time I said I could n't pay the rates they were asking for and mentioned a lower rate, they denied it. So I defaulted on my loans with them because I could n't afford their rates. Many times I got them the breakdown of my current income and financial status. We even started repayment plans a few times, but when my financial status changed and I was unable to make a payment they were unwilling to help me so I had to default again. They even contacted my employer once without my consent to hunt me down at work and lied about who they were when my boss answered. One time I made a payment plan with them but they never followed through. They have also changed my loan servers so many times that I lost track. My cosigner finally contacted them after finding out my loan was with Navient and settled the loan on a special deal they offered. Once he paid he received no confirmation or receipt from the company. We are hoping it went through and was actually applied to my debt. If I knew that it was this difficult to deal with XXXX XXXX and their private loans as an XXXX year old trying to attend college then I would 've found another way. It seemed to good to be true and has been.

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

Complaint narrative:
I am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navi ant has not applied loan payments correctly, not applied payments at all, and given me misinformation on my loan. Also, when I applied for my loans they told me i would only qualify for private loans, and being a novice at the process I took their word. So now Ihave $ XXXX in student loans and work in an XXXX where i would have been able to have loan forgiveness, but since I have private and not public loans, I have to pay the whole thing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
We agreed to purchase a bank owned property for full asking price in XXXX XXXX and the offer was accepted. We placed 10 % of the money into escrow. The bank delayed closing then until XXXX XXXX because of a right of redemption that was placed on the property. Then the ROR was waived and we signed closing documents on XXXX XXXX, XXXX and wired the rest of the money out of our account. Now, a week later, the bank has the entire purchase price but has failed to release the property to us and we are told that this will take more time because they require another appraisal.

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 2015-11-05 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 converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Bank of America. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Bank of America. BoA prays on immigrants with limited english proficiency, and did not communicate in her native language.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX Account was overdrawn XXXX dollars. Ived had BofA for years and just last month they started to charge {$25.00} for it. Never told when it was going to be withdrawn. So when I had my mort gage payment set up for withdrawl it went overdrawn because of it ...

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 2016-05-05 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: CA

Complaint narrative:
In my private student loan there are multiple issues. 
1 ) I have a student loan with Navient and I have reason to believe that they are doubling on my rates to keep me behind in my loan. I requested the original loan documents on XXXX of XXXX, XXXX of XXXX, XXXX XXXX and just recently XXXX XXXX XXXX. I have yet to receive any documents for the specific account I am talking about. 

2 ) I believe they have changed the initial interest rate and are charging an excessive amount of late fees while approving a forbearance and allowing me to not pay down on my loan while it accrues interest. 

3 ) How can I have different " loan accounts '' for the same school achieving the same degree? Shouldnt this allowed to be consolidated into one loan that I can pay for instead of several different loans with a minimum payment of XXXX dollars. There is no way to get out of that type of financial debt unless I was making hundreds of thousands of dollars per year. 

Lastly, a cosigner, XXXX XXXX was never a cosigner. Trying to obtain the original loan documents was the reason to prove she was not a cosigner and I have been unsuccessful in doing so for several months. 
I have reason to believe Navient is exercising unfair practices to get me to pay for loans that were designed to be impossible to pay off. In one of the documents they state they have " updated the terms of my loan ''. I will get this messge about every quarter, is it normal for a company to change the terms of an agreement whenever they want? It seems very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Bank of America, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX 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 2017-01-20 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: NJ

Complaint narrative:
I was given bad advice from a person on the phone. He told me to pay off my small loans first even though the interest was less than 3 % and I had loans with 14 %. I did not take his advice and told him that advice is ridiculous. I recently switched to auto pay around XXXX 2016 but then realized they were not paying my minimum payments and instead were putting more money toward my lower interest rate loans and less towards my higher interest rate loans.

Company response to consumer: Closed with explanation