vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.

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 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I CANT STAND WHEN COMPANIES HAVE THE WRONG PERSON, AND THIS ONE DOES YET THEY KEEP CALLING AND SENDING ME JUNK. THEY KEEP SAYING THAT THEY WILL OUT IT ON MY CREDIT REPORT IF I DONT TAKE CARE OF IT. WHY SHOULD I IF IT ISNT MINE?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please have equifax delete this XXXX XXXX XXXX enclosed is a letter from the lender to delete the trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I responded to an offer to upgrade my credit card and receive XXXX for XXXX airfare. I needed to call in a registration code and charge {$3500.00} by a certain date. I did, and a month later, verified. I was told to wait another 45 days to receive airfare certificate. I never received certificate and have called numerous times, being passed from dept to dept. Apparently, there is a communication gap between Bank of America and Visa, the XXXX companies involved. XXXX have told me the other is responsible for the reward certificate. Finally, after many unhelpful clerks, XXXX XXXX in XXXX, spent XXXX minutes making XXXX way calls to dept after dept with no success. I would have charged the required amount on a trusted card that has actually rewarded me. I responded to this offer a year ago, and Bank of America has had a security breach during the year, so my credit card number was cancelled and I was issued a new number, but it 's the same account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.

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 2017-03-02 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited XXXX {$1000.00} United States Postal Money Order to my Bank of America account ( XXXX ) with total of {$3000.00} on XX/XX/2016. Bank of America debit {$3000.00} from my account and closed it on XX/XX/2016. I spoke to the branch manager XXXX XXXX to find out why my account was closed. He said Bank of America did not received money from United States Postal Service but according to United States Postal Service, these XXXX money orders were cashed by Bank of America on XX/XX/2016. I have been calling Bank of America for last six months about this issue but they were not returning my calls. The Bank of America reference # for this case is XXXX. I have attached communication letters from United States Postal Service and Bank of America.

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 2015-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We have a Bank of America credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-12 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: TX

Complaint narrative:
Balances out of control, high interest rates, no end in sight to payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I had my loan with country wide bank of America took it over everything was fine until I feel on some hard times last year. There collections department called and I was able to set up a repayment plan to get caught up but then even while I was making all my payments on the time table they set up for me every few days they would call me and tell me my home was going into foreclosure and I side I 'm making all my payments on time that they had set up. They then told me that until I made the last payment they had the right to call me any time they wanted. I got everything caught up last month I made my payment early this month I am a little tight but will have it payed before any late fees go on it which is how I paid it for years and they never called or complained about it now they have there collections department calling me way before the grace period is up I still have 11 days in the grace period. I filed a complaint at the bank when the issue with the harassment during the repayment and got no results. I have always paid extra on my loan and did even on the repayment plan and every month since I do not think I need to be harassed before I am out side the grace period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have repeatedly disputed this fraudulent Bank of America account on my credit files. Bank of America has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Bank of America to have this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am victim of IF theft since XXXX 2012 and in banked with Bank of America. Everything was okay till I decided to change my bank and go with XXXX due to fee rate increase implementation was wrong as per my terms so I asked them to close my account they closed my checking but said we can close your saving in was like why and they said you owe XXXX dollars on which in was very scared and went a head did thr police report, got FTC affidavit and affidavit of Identity theft and filed in from of a notary public. Then I submitted that to BOA but even in told them I am a IDTheft victim thry had sold my a count without resolving my deputes and giving me my XXXX back they have violated my rights and I got XXXX class per 5 days from FTC XXXX. I sent them all explanation with proof and thry concluded that in bear no responsibility to that XXXX dollars and sent the case back to bank of america but it has been 4 years I have been asking them to take me off the XXXX and now finally I am going to sue them with the insurance I bought of XXXX dollars with all XXXX bureaus. I won the case and they still did n't remove that from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient has been collecting money from me for 8 years now and I do n't know why they wo n't help me. 1 ) I never opened these loans 2 ) I 've been paying them and when I do n't have the money to pay or when I call and tell them that I ca n't afford the payments they tell me there 's nothing for them to do about it. They have no options for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: CA

Complaint narrative:
There is an account from the company Navient that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: TX

Complaint narrative:
My complaint surrounds the now know predatory practices of XXXX XXXX XXXX. My duration of school was from XXXX - XXXX. I sought out XXXX for the XXXX XXXX and XXXX program. While I was fresh out of XXXX XXXX, they made sales pitches to me stating federal/private loans would guarantee my future. I would be placed with a well paying job right out of school and my loans would only help my future by improving my credit lines. From the application paper work to the application for federal/private aid through student loans, this was all facilitated through a rubber stamp type action, much like we saw on home mortgages. I fought every step of the way to gain an education which I thought I had paid for and ultimately left me without work and the ability to repay my loans. As the schools have no closed and previous lawsuit, much like the CFPB in Case No. XXXX are the exact situations I faced. There was no truth in lending and I have n't been able to obtain assistance from Navient, my loan servicer. I would appreciate the assistance and guidance to have these loans discharged, both federal and private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: MT

Complaint narrative:
I have been in a interest only repayment program for years. Extra payments were not applied to principal. Never informed me of other payment options. Denied me my actual balance on several attempts. Misled me for over XXXX years. I have already re-paid almost 4 times what I originally borrowed and still owe almost 3 times. Ruined my credit for years, costing me to finance things throughout my life. XXXX 's of hours on the phone trying to resolve issues with very little success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank Of America I am requested assistance regarding HELOC from XXXX. 
I have been trying to resolve matter for some time now. 
I faxed a request for copies of all withdraws ( checks/wire/other ) and payments ( checks/wire/other ) and or reference to confirm whom completed or received funds. 
to my knowledge I have not received a response Would you also confirm whom is the borrower. 
See transaction history a withdrawals up to XXXX on XXXX/XXXX/XXXX that was not authorized as well as XXXX XXXX/XXXX/XXXX - see all withdrawals It appears I was deceived, mislead regarding HELOC and did not understand and no one will answer questions for clarity. 
I did not agree to HELOC someone/entity withdrawing funds from account without my knowledge or approval.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is for Bank of America credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Bank of America does n't care. They would n't do anything. Bad company! This need to be adjust!

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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A credit card was mailed to an address in XXXX - I live in XXXX and was never contacted about a new card bring issues Fraud happened about XX/XX/XXXX and now totals over {$7000.00}

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 2016-10-23 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 closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of 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 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My name is XXXX XXXX I am currently having an issue with Bank Of America trying to foreclose on my home on XXXX/XXXX/2016. I have been trying to work with them for years now to get the home under my as per the Administration letters we received appointing me executor of the estate. Both my parent passed away XXXX XXXX and XXXX XXXX leaving me this house. BAC has been reviewing my situation and I have XXXX letters stating I 'm being reviewed dates XXXX and another XXXX on XXXX/XXXX/2016 but yet they are still foreclosing on XXXX/XXXX/2016. 
I have asked them for a reinstatement quote but they refuse to give me XXXX, they have not sent me any letters to get this current or to cure the delinquent amount. Please help me keep my home so Bank of America do n't take 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 non-monetary relief
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: CT

Complaint narrative:
I graduated from school in 2010 and have never defaulted on my loans. My payment plans have continued to increase. Forced the first time in 2010 to pay XXXX $ to defer my loans for an additional 3 months. I then had to talk to several people just to get my monthly payment down because I could n't afford it. I ended up paying interest only on my loans until I went back to school for my masters ( where because my loans were deferred I paid off XXXX loan ). Once graduating I started to pay the max amount which was about XXXX $ a month ( variable loans so flucatuated month to month ). I tried for as long as I could to pay this as the interest only option was not helping pay down my loans and was n't giving me enough to my other monthly bills & federal loans. I called and asked if I can pay based on my income or file for economic hardship. I was told no that only applied to certain loans and with mine that was n't an option. Basically I asked what else I could do because I did n't want to default. Basically the only option was to go back to pay interest only which was still a high payment of approximately {$630.00} ( variable loans so vary month to month ) This was still a little high but I was not given any other options. So I am stuck now paying interest only for all of my Navient loans. Overall for all my loans I pay $ XXXX and have not been able to consolidate my Navient loans which have the highest interest rates and seem to have no end in sight.

Company response to consumer: Closed with explanation