vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-23 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 appreciate your time greatly however the documents provided did not confirm my concerns of withdrawal of XXXX - provide XXXX XXXX wire instructions or account of deposit. 

As well as XXXX payment by check, wire, or transfer - provide copy Copy of Initial Draw Check as I did not receive - XXXX, XXXX XX/XX/2005 Response to its to late to file a dispute of concern for transfer and or payments - Is there a time frame on possible fraud? 

Response- documents signed without full disclosure from Bank of America XXXX who is the lender, who is the beneficiary - under the Deed of Trust Bank of America had an obligation to disclose and failed.

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 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX from XXXX XXXX XXXX in New York is contacting unrelated third parties seeking information about me

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: NY

Complaint narrative:
I have been paying the required monthly payment plus some since my repayment terms started in 2008. My loan payments were supposed to end this year and then Navient changed that and now somehow my loans extend into next year and beyond. I was supposed to be done this year according to when I had my loan with XXXX XXXX and now I still have like {$5000.00} left somehow. I pay the required amount every single month I do n't understand how I still owe so much on my loan. It does n't seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges.

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
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I had to withdraw a sum of cash from my checking account with Bank of America. I had calculated how much I could with draw and cover an online debit against my account. I miscalculated. The debit occurred and overdrew my account by {$.00}. Bank of America sent me an email saying there would be no charge. Then they charged me {$35.00} and then an additional {$35.00} the next week for the overdraft. I have been a long time customer of Bank of America ; since they bought my original bank in the late XXXX. I have never complained. I called Bank of America. They refunded {$35.00} but refused to reimburse the additional {$35.00}. I find this highly excessive -- {$.00} overdrawn generates a {$35.00} fee. I spoke with a manager, XXXX XXXX, and he refused my request. This is beyond usurious. I am retired and on a fixed and limited income. I pay {$16.00} a month for the priviledge of allowing Bank of America to " manage '' my money. This is a drop of water to the XXXX dollar Federally regulated Bank of America corporate entity. It could have easily been remedied by XXXX XXXX but he stonewalled me with corporate policy ( that he would not provide me ) and the he was the final appeal for me on this issue ( although he did give me the name of his manager who I feel would have been an avenue for my appeal. )

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 2015-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like few days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. I 've spoken to them over the phone and has asked to put my payment on auto withdraw and they assured me that they will fix it but to this date I am getting a pay by mail ( bill ) sent to me. I speak XXXX as my main language. please have them call me with a XXXX speaking representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, There was a unauthorized bank withdrawal transaction to my account and after the fact my direct despoit check ; from my XXXX Job is gone because the bank says I owe them money. Please help me get my XXXX plus dollars back.

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 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties. 

To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Recovery Solutions, LLC
State: FL

Complaint narrative:
This company is not only calling my own personal cell phone after their debt collection has been removed from my credit report however but friends of my mine and family as well which is out of line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Bank of America informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Bank of America and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( BOA ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Bank of America again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Bank of America has been nothing but trouble to me.

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 2016-04-02 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: DC

Complaint narrative:
I sent in a large payment ( {$13000.00} ) XX/XX/XXXX with a note stating how the payment is to be allocated since Navient ( XXXX ) does not allow you to allocate payments to certain accounts online. I also emailed them stating how to allocate my payment. This should have paid off in full XXXX loans. They did not allocate the money correctly. I have called every month and they are still incorrectly allocating my money ( now XX/XX/XXXX ). I have received XXXX letters stating these loans have been paid in full yet Navient has yet to actually show they are paid in full. Beyond frustrated that their system does not allow me to dictate how my payments are allocated if made online through their site. Their supervisors " fix '' the problem but my next month bill shows balances. It has been a never ending circus trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
when my credit card account was closed at XXXX ( a division of XXXX XXXX XXXX ) there was XXXX reward points in my account that they would not let me redeem. I do n't know how they think they can steal reward points that belong to people. the person at XXXX XXXX ( XXXX XXXX XXXX ) that did this is XXXX XXXX XXXX XXXX and her phone number is XXXX please do n't let her get away with this.

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 2015-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Card, Inc.
State: MT

Complaint narrative:
received collection letter from TCI ( Total Card Inc ) for a debt received from XXXX XXXX XXXX received from XXXX. My XXXX account is current and I have had no other account. My local XXXX office has moved. I asked for validation and verification of debt and to have it removed from my credit report and received a letter stating they would attempt to do so. That was well over 3 months ago and they are now not responding. I am forced to use this avenue and small claims court here in Montana to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: SC

Complaint narrative:
Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow-up to Case number : XXXX. Bank of America continued to charge me interest on XXXX XXXX. After calling enterprise customer care resolutions department, they have not returned my call hence I am re-opening this case. 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 2015-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America failed to give us complete instructions on how to fill out the original loan modification paperwork. We not only had to re-sign all the paperwork all over again, but today will mark the XXXX time we have received a modification packet, indicating " there was an error in the format of the documents that were used and they were unable to be recorded at the county recorder 's office '' If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. 
I contacted the county recorder 's office and the lady I spoke with indicated they receive many complaints from consumers for the same problem with Bank of America. She informed me that Bank Of America blames their office for not receiving the paper work or denying paper work for not being completed. 
Our medication has been approved, but the paper work has not been completed correctly by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: MN

Complaint narrative:
When I submit a payment for my student loans on Navient 's website, I receive the standard email confirmation and, a few days later, I receive a follow-up email stating " Your recent payment has posted to your loan ( s ) ''. Several days after the XXXX email - now well past the payment due date - I receive a XXXX email stating I am late on my most recent payment. 

Looking into my payment history on Navient 's website, my payment was reversed ( for reasons Navient did not bother to explain ) on the same date that I received the initial payment confirmation email. This contradicts the XXXX email stating a payment was posted to my loans, which I would assume would only be sent if the payment was successful. I received no notice whatsoever that there was a problem with my payment. I had to figure that out on my own after receiving the XXXX " late payment '' email. This has happened several times in the past year, causing me to be late on a handful of loans even though I submitted payments well before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
threaten to put lien on property assets and garnish wages harassment XXXX times daily threats made daily calling other people

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: KY

Complaint narrative:
I have had my student loan since XXXX. I have been paying my payment since then. I did not refinance my loans but several years ago got a letter saying my loans were changed from XXXX XXXX to Navient. I was told I would be eligible for forgiveness in XXXX. I called in XXXX of XXXX to find our what I needed to do having paid all of this time and was told when my loan was changed to Navient the type of loan was not eligible for forgiveness after 25 years not only that tge payment of XXXX dollars a month had not changed the balance at all. I was told I refinanced my lian to Navent from XXXX XXXX and I did not. I am a XXXX and have since advanced My degree and am now paying both l XXXX as if I am a new grad. I am XXXX years old and trying to help my kids thru college as well. I have been scammed with no options of choosing paying thus payment for 25 years having been originally told it would be payed off and then told I did n't have the right type of loan. One I did not choose or informed of an option. 25 years later I have paid this loan off multiple times yet balance is the same. It is a huge scam forced on me and nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 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: WA

Complaint narrative:
I have paid off my student loans to XXXX and I want the accounts closed immediately but I can not get Navient to respond by email or phone to solve the problem. I have heard MANY complaints about people getting billed for more after getting their loans down to XXXX. I want my loan accounts closed so that they can not do this to me. If you have any suggestions as to how to get them to do this, I would be very grateful.

Company response to consumer: Closed with explanation