vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 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: NC

Complaint narrative:
This complaint is against Bank of America in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called BOA. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating " An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. BOA said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by BOA, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from BOA stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. 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 non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am never informed of my dates for changes on repayment plans, I am forced into forbearance although I beg them for an affordable payment plan, after submitting documents I never receive a lower payment and I am again forced into forbearance awaiting a new payment plan which is never given to me or discussed it is decided for me with a payment still above my means in repaying. I have borrowed XXXX, and is not accumulated XXXX + in interest. I am so frustrated with trying to repay my loans at a cost I can afford with no help from Navient. None. My income is XXXX per year gross, XXXX-XXXX-XXXX a month will leave me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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:
I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I 've submitted request for modification with financials to Bank Of America Since XXXX 2016 several times. My husband had XXXX XXXX and we got behind on all of our bills, while he was off from work for 6 months. Bank Of America has given us the run a round. We want to keep our house.

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 2016-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The school financial advisor told us ( me and my parent ) that the loan we were agreeing to was private but explained it as though it had the same terms as a federal loan. Repayment started as I was in school and the payments were graduated. After the payments got too high I tried to apply for different payment options, but was told that because of the type of loan I signed, I could n't qualify for different payment options. I paid for XXXX, {$50.00} forbearances ( the limit for the life line of the loan ). The loan defaulted almost 20 payments ago. Although the loan defaulted, my parent has been making $ XXXX/mo interest only payments on the loan. She 's made XXXX payments. The loan servicer told her that after 24 payments they would evaluate the loan and determine if it could come out of default. I told her they were lying bc she did n't get it in writing. When I call to speak with them about a recovery plan they tell me there is n't one. I want to catch up on the payments, but I ca n't afford to at this point. I honestly do n't believe that they want it paid off because they wo n't work with us at all. I 'm currently saving in order to offer a settlement amount, but it 's going to take me many more months before I can save enough and the interest on the loan will continue to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just XXXX ). 

Negative reporting of not paying a debt which I paid to the wrong XXXX XXXX XXXX account on their XXXX XXXX XXXX XXXX ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as Amex Standard formerly XXXX XXXX XXXX. The consumer should have been informed it did n't belong in the paid up account known as the XXXX XXXX XXXX XXXX, former grantor XXXX XXXX XXXX, and sent back to her timely. Instead it was wrongly transferred to Amex Standard after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.

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 2016-06-23 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a 15 yr boat loan with Bank of America. In 2002 I had work issues and fell behind. The bank offered to grant me a 2 month extension so that I could get caught up. Some years I was offered the same 2 month extension since I had once again fallen behind. The loan has now matured, payments were on time and even extra was applied but they tell me that I owe the interest on the extensions. So the extension in 2002 I still owe the interest, which has been accumulating for the last 13+ years. My statements never reflected this in the amount shown due for the month. I even paid extra and the next month the amount due would be less than the original payment. Bank of America offers these extensions but never tells the customer that they will be liable until the 2 months are paid back. They just tell the customer that they will be put on the end of the loan. So at a little bit over a dollar a day in interest, they want me to pay them immediately {$4500.00}. I told the bank today that if the statement would have showed the accumulating interest I would have paid it off many years ago. This is such a shady way to do business.

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 2016-01-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have my mother 's financial power of attorney. I 'm also an authorized signatory on her accounts at Bank of America. I handle the payment of all of my mother 's bills. 

Using BofA online, I requested a transfer from my mother 's BofA checking account to her XXXX XXXX XXXX XXXX account so I could make a payment on her HELOC. Unbeknownst to me, instead of doing an electronic transfer, BofA deducted the funds from my mother 's account, then physically wrote and mailed a check to XXXX XXXX. When XXXX XXXX tried to collect on the check, BofA refused to pay it. XXXX XXXX charged my mother {$26.00} for bouncing a check. 

BofA claims it was a misunderstanding, that when I complained about them writing a check instead of doing the electronic transfer, they assumed I wanted the check stopped. Even though I specifically told them I needed the account details written on the check so I could contact XXXX to ensure the check was deposited in the correct account ( at XXXX XXXX, my mother has the HELOC and a savings account ). 

I received a call today from BofA 's " Enterprise Customer Care Resolution Department '' f/k/a " Office of the President and CEO. '' ( At least, that 's the information that was left on my voice mail. ) Clearly, BofA broke the law, otherwise this would not have escalated so quickly. I need to know what my mother 's legal rights and remedies are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: NC

Complaint narrative:
I called Navient and asked if I could lower my monthly payments by a few XXXX dollars each month ( XXXX to about XXXX a month ). They told me that both myself and my cosigner needed to file a financial statement. My cosigner, who is also going through economic hardships ( divorce and alimony payments ) was denied because he makes to much per month, even though they did n't take in to account the money he is required to pay by law each month. I recalled and asked if their was any other option available and was quickly informed that there were not and that me or my cosigner were required to make the payments. I told the Navient employee that we both can not make the payments and that there has to be other options including the one I was currently looking at on their website which states that if you work under XXXX hours a week you are eligible for deferment. Currently I am looking for a full time position but am only able to work XXXX hours a week. The employee quickly told me that I was not eligible for deferment based on hours worked per week. When I asked why that option was on their website they had informed me that I was wrong and there was no such program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: Equinox Financial Management Solutions, Inc.
State: MI

Complaint narrative:
XXXX customer since 1977 for business and home ... called for service to business account ... was told business sector had been sold..we do not do that anymore ... .cancelled service which we paid quarterly ... .approx 6 mos later XXXX collection agencies contacted us to collect for services. We refused to pay what we did not owe. The XXXX people are rude uncooperative and unprofessional ... ..read the internet reviews..this is almost like a predatory blackmail to keep your credit good.

Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX-Navient are reporting ( XXXX ) XXXX-Navient student loans delinquent in error to my XXXX credit profile. I have attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX from NAVIENT regarding the name change and the Federal and Department of Education ( XXXX XXXX ) loans that are currently being reported on my XXXX credit profile for XXXX and XXXX XXXX and XXXX XXXX all are XXXX XXXX student loans before the name change. Please update the reporting of my XXXX XXXX loans on my XXXX credit report to reflect current as they have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX one of my sons asked me to pay his XXXX cellphone bill for him. I did this with him by using the XXXX online bill pay on his account. I paid the bill by giving XXXX a bank sort code and bank account number for one of my bank accounts, and authorizing them to make a single deduction to pay a single bill. The transaction was successful and this should have been the end of the story. However.. 
I made the mistake of using a bank account which I do n't track closely. Then XX/XX/XXXX I noticed an unusual debit on that account. Upon investigation I discovered that XXXX had used the bank information which I provided in order to make an additional XXXX unauthorized debits over the 6 month period between XX/XX/XXXX and XX/XX/XXXX. I immediately notified my bank and disputed the transactions. They were only obligated to refund fraudulent transactions up to 60 days prior to the transaction and they have now refunded XXXX of the XXXX transactions and put a permanent stop on future debits from XXXX. 

I have of course tried to fix this with XXXX. My son canceled service with XXXX XX/XX/XXXX, and XX/XX/XXXX I have spent hours on the phone with XXXX customer service agents who claim that they are not even able to find my son 's telephone number in their system, and in any event they would not talk to me about it because it is not my account. Yet they have my money. 
On XX/XX/XXXX I sent a very detailed letter to the office of the President of XXXX. They responded to say they have received the letter but have not resolved the issue, nor have they responded to repeated telephone calls to follow up. 
XXXX have, either fraudulently or mistakenly, debited my bank account 4 times and seem totally incapable of resolving this. I do n't where else I can go to resolve this and am hoping that CFPB can assist.

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 2016-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.

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 2015-07-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported me to the XXXX as a suspected fraud activity that had happen to my account which I did not know the check I was given was fraudulent. The company that I worked for went bankrupt and issued all the employees their final paycheck. I took the check I was given and deposited it into my checking account via atm thinking the check was good. When the bank processed the check they closed my account and reported me to XXXX for suspected fraud activity. Now I am forbidden to open any bank account for 7 years. I had no control over the pay check I was given cause I did not know the check was bad. I do not believe I should be banded from opening up a checking or even saving account from any other bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I used Bank of America 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by BOA that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.

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 2015-09-07 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: FL

Complaint narrative:
I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: KS

Complaint narrative:
I 've been dealing with XXXX XXXX for school loans which were then spun off to Navient. During all my dealings with both of them I 've always had conflicting statements for balances due/remaining. I 've entered into a 'steps ' program as they call it where they 've dropped my interest rate and therefore my payment to a lower amount ; the spin off to this is that they set up ALL payments for the following 12-15 months in advance. When I visit the webpage online the amount paid shows up but does n't reflect the amount owed on the accounts. I 'm told its something they do differently internally so the site wo n't perfectly reflect it. XXXX pressured me into taking out all of these loans in the first place without my understanding of what I was signing. I 'm unable to tell if their program for reducing my payments is only further increasing the debt I owe. In order to reach someone at Navient for help anyone calling is forced to first deal with a voice system that only understands the words 'make a payment ' and forced to hold for a long time. When you do reach someone, they 're so compartmentalized in what they can do that any inquires have to be transferred around to other departments forcing whoever is calling to wait even longer, and different staff have different answers to questions that it does n't seem they 're qualified to answer. I hate that I 'm forced into dealing with crippling debt and the incapable lenders because of XXXX 's brutal money hungry loan mongering and false promises which they 've failed to deliver on, further forcing me into debt and choosing between paying a personal loan bill and ensuring things like medical and dental needs are properly addressed. I 've had to defer payments already at one point when they were completely unwilling to work with me when payments were WAY too high. Without the reduction I 'm on now I would n't be able to afford a home.

Company response to consumer: Closed with explanation