vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have charged off debt of {$3200.00} from a Bank of America credit card. The account became delinquent in XXXX of 2009. Bank of America gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Bank of America is still reporting to the credit bureaus agencies that I account is active and open. I have called Bank of America several times asking them to close the account and update it as charged off. BOA told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to BOA that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting BOA to close this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 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: CA

Complaint narrative:
In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Bank of America. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a " valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


.

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 2016-06-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I paid a credit card every month and have an automatic payment on it. I talked to the bank and explained it was their mistake since I set up auto payment. They marked me late and charged me fees and did not even offer to reverse or anything. I have had perfect credit for over a decade. The website did not work with the password until after when I was notified of the occurence. Bank of america ruined my credit where now I can not rent, or borrow funds and made my other cards lower my credit limit. I would love for you to investigate and shut down these unethical practices which I believe is their way to make more money in fees and charge more interest and hurting the consumer. If they look at my record, I always made a payment to them.

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 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I NEVER EVER APPLIED FOR THIS ACCT IN MY XXXX LIFE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 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:
Over the part 9 months, I have made prepayments on my highest interest rate loan that is serviced by Navient. During that time period, Navient, rather than apply my prepayments to the loan I specifically designated, applied my prepayments to my lowest interest rate loans.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have my Federal student loans serviced by Navient, whom I believe misguided me into a repayment plan that is very favorable to their bottom line, and not my achievement of paying off the loan. They are receiving massive chunks of my payments in the form of interest with my total balance owing barely chipping away. Their representatives have not offered any alternative solutions to help benefit both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Bank of America, pulled a soft credit inquiry to make a decision, while Bank of America pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I would have declined to continue. Their lack of informing their customer resulted in a XXXX point decrease in my credit score. They should be obligated to educate their customers on their process prior to pulling a customer 's credit, which may negatively impact them.

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 2015-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Regional Acquisition Group, Inc.
State: WI

Complaint narrative:
These people continue to call my sister, parents, grandmother and worst of all, my place of employment. They have called every branch of the company I work for in my town and neighboring towns. They are very rude and aggressive to my coworkers, using profanity and telling them if they do not release information about me then they, too, will be served with papers for " noncompliance ''. They will not tell me who they are or even what company they represent always calling themselves XXXX XXXX or XXXX. They have left voicemail messages telling me they will be sending an officer from XXXX XXXX to my home and if I am not there it will be rerouted to my work. They give XXXX street addresses, so they know where I live and work but refuse to send me anything in writing. I have called them back XXXX and requested information in writing but have not received anything. The XXXX time they told me to stop calling their office and the other time they said " well at least now we know where you work '' and hung up. They XXXX tell whoever answers the phone that they need to talk to my boss, using my full name, and say I must be located due to a serious legal situation, I am being sued, and that anyone who helps or tries to help me avoid being served will also be arrested and prosecuted to the fullest extent of the law. I am very concerned I may lose my job if this continues. The people working for this company just keep calling sometimes up to XXXX times in XXXX day and are telling anyone who will listen that I am a criminal but yet, when I talk to them they wo n't give me any information and use fake names.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a Bank of America checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.

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 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern, I am writing this letter to plead my case about why I deserve to have my bank account reinstated. 

A few months ago I was approached by an acquaintance asking for help, he said it was urgent. He told me that he needed me to cash out his money order since he was unable to do it himself because he was having issues with his account and that it would be a big favor if I could do it for him. I had no experience dealing with accounts like this before so was not as suspicious of his motives as I now realize I should have been. I believed him and did him the favor. Now, I realize I got lied to, victimized and hustled. I am ashamed I allowed myself to get taken advantage of and that I was so nave.

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 2016-08-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since 2006, the year I graduated, countless problems have come directly from careless business practices, but, by far, the most annoying problem is the refusal of the company to provide an account summary of the total amount repaid on my loan from the very beginning. They will provide up to one year and nothing further. I would like a comprehensive report detailing every single payment, missed payment and total due. 

After many requests over the years, I am turning to Consumer Financial to file a complaint and get the attention of someone holding a high enough position within Sallie Mae ( now known as XXXX ) to provide me with my comprehensive account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: AL

Complaint narrative:
I have student loans from my time at XXXX XXXX that I have been unable to afford the current monthly payments due to being unable to find employment that pays enough. My student loans are through Navient and I had requested several times over the phone to get enrolled in income based repayment and was told that my income was too high to qualify for those programs and they refused to even let me apply for them and told me the only thing I could do was put my loan into forbearance. After XXXX XXXX was shut down by the federal government due to fraud I asked to apply for the loan forgiveness program that was setup for XXXX XXXX students and was told that my loan would not qualify for that program and again they refused to even let me apply for the program and still continued to insist that I also still did not qualify for income based repayment. As a result my student loans have been listed in repeatedly in forbearance for the past 6 years due to being consistently unable to afford the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: CA

Complaint narrative:
In 2007 I wanted to convert my consolidated stafford loans to direct federal loans so that I could qualify for the public service repayment program. I was told by Sallie Mae that I could not reconsolidate the loans and was not ( and would not become ) eligible for the repayment program. I have found out recently that my loans were in fact eligible for reconsolidation. Now I have paid for another 9 years and have made no progress toward qualifying for the PSLR program. I have worked for a qualified 503 ( c ) for my entire 18 year career.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 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: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX kept charging me for an account that was closed. They intimidated me since I disputed the bill with my XXXX account. ried Basically, XXXX tried to ruin my credit rating by reporting me to credit agencies. 

I never received a letter any other correspondence that they would take this aggresive tactic. I ended up having to pay the {$94.00} charge to keep my excellent credit rating which is unfair and a shakedown. 

I live in XXXX, XXXX for the past year and have spent a lot of money on the phone trying to resolve this dispute. It is a matter of principle in my mind not to be taken advantage by XXXX collection practises. 

Thank you for hearing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: FL

Complaint narrative:
Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I work all my life trying to do the best I can but still ca n't get ahead because credit problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. SENT THEM AN A LETTER AND THE ADDRESS THEY FURNISHED ON MY CREDIT REPORT IS INACCURATE AND LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-09-08 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have been receiving debt collection call from Bank of America Home Loans and related third party vendors for well over XXXX 7 XXXX months for a debt, which is not ours. We have called the BOA Home Retention Division, as instructed on the collection calls, at XXXX on XXXX ( XXXX ) separate occasions requesting that the calls be stopped including calls on XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. On XXXX XXXX, 2015, we faxed and mailed a letter to BOA Home Retention Division as instructed XXXX BOA Home Retention Division supervisor, at facsimile XXXX and mailing address XXXX XXXX XXXX, XXXX, FL, XXXX. We continued to receive calls from a BOA third party vendor on XXXX XXXX, XXXX, & XXXX, 2015 and on XXXX XXXX & XXXX, 2015. We have detailed records of all calls and correspondence starting on XXXX XXXX, 2015 when we decided that we had to do something to make the calls stop. The calls are for the Estate XXXX. We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our home phone number for almost XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Im harrassed with phone calls and unrelenless amouts of mail concerning student loans im not able to pay. Due to my XXXX from Honorable service in the XXXX im unable to work an stable job currently while recieving limited unearned income from Veterans XXXX. Its a shame that the creditors cant recieve payment at this moment for student loans that furthered my education and im not even able to use the education to my advantage to earn the income needed. This doesnt mean that they should hassle me and im unable to make payments or even consolidate my credit in this day or hour.

Company response to consumer: Closed with explanation