vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..

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 2017-02-26 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.

Complaint narrative:
I have communicated with the organization, Pioneer Credit Recovery, in XX/XX/XXXX regarding an alleged debt. This was immediately after a 3rd party contact they had made. I requested that they discontinue contacting 3rd parties and I provided my all of my current contact information and requested that communication continue via mail. In XX/XX/XXXX, they once again contacted a 3rd party contact even though I had contacted previously and provided all relevant information and instructions.

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 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a long term account holder with Bank of America. In general, I have never had a problem until XXXX XXXX, 2015 at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. 
I had calculated a XXXX minute stop at the drive through teller of this branch, to withdraw funds for my travel XXXX. I was on my way to the airport. I wrote my deposit slip, the teller XXXX XXXX XXXX returned it saying that I could only withdraw up to {$2500.00}, but she did not send another slip. I requested a XXXX slip and wrote it out for the allowed sum and XXXX minutes later, she tells me she ca n't help me because I signed my initials and they did not correspond. She stopped serving us, did not even offer to send another slip. I parked my car and went into the bank, I saw the teller had called a manager and I was actually relieved thinking he might speed up the process so that I could get my money and leave. 
I was frustrated and complained to the manager about the teller, he then proceeded to treat me and my mother in the most unprofessional manner, at one point telling us to " get out '' and calling us rude. I was very angry and said I would not leave without my funds and that he and the bank are supposed to provide me with at least professional service. Finally after XXXX kind ladies gave me their turn in the line, I was able to withdraw my funds. I then asked for his card. The name of this man is XXXX XXXX, and apparently new as small business relationship manager. Although I do not want anyone fired on my behalf, I strongly suggest better customer service training for your personnel. I left the bank XXXX minutes later for what should have taken a maximum of XXXX minutes. 
Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My Grievance filing is the following : I have been requesting my Bank to provide me copies of my closing documents on my home for over 30 days. I requested copies of my, The Truth and Lending and ECOA Disclosure, ECOA Appraisal Disclosure, FMNA Form XXXX Uniform Residential Loan Application and A copy of the Appraisal. This has been going on for 30 days and they keep telling me they are looking and or they can not find the documents. I have reached out to The State Attorney Office and the State Banking Commission in my State to also help me obtaining these documents from my Bank. I am reaching out to CFPB to help me obtain these documents on my home from my Bank. 

See Attached letters to my State Agencies for help in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: CL Holdings LLC
State: AZ

Complaint narrative:
This is a XXXX action which the sent to jefferson capital i have literally been asking for verifaction of this bill i have never seen a bill i went to XXXX in XXXX az with id and was told the would not verify.i cant get them to send me nothing on this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had an account with Nation 's Bank years ago when Bank of America purchased Nation 's Bank and grandfathered my no fee checking. I moved this account to XXXX, Oregon and BoA grandfathered my no fee checking. BoA compelled me to change the account to a no-interest checking account when I purchased a home with BoA mortgage. BoA then sold my mortgage disqualifying me from having the account at no charge to me. They claimed they would grandfather me. Fraud occurred in XXXX XX/XX/2014 with a washed check, at BoA request we opened a new account and at great annoyance migrated everything ( bills, autopays, etc. ) to that account over 3 months time. They promised they would grandfather my new account. Their payments got messed up and they failed to make a scheduled mortgage payment inciting my mortgage company to interrogate me. After unwinding that in-person at BoA they again promised to grandfather my account. On XXXX XXXX, BoA started charging a new fee ( {$25.00} maintenance ) posted on XXXX XXXX to my account. On inquiry they determined they would not live up to their promised grandfathering and offered other fee based account options. While they refunded the fee they failed to mention I would get charged the same fee the next month. 

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars.

Company public response: Company 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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
When I first graduated, I was not notified of any payment plans I was eligible for. Due to my significantly lower initial income at the time, an Income-driven payment plan would have significantly lowered my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: MO

Complaint narrative:
I was advised by customer service agents at Navient on XX/XX/XXXX that I needed to consolidate my loans in order to utilize the public service debt relief act. Following their instructions, I consolidated my loans. I then called them on XX/XX/XXXX to confirm that I could now resume my enrollment in that program. I was informed by an agent at that time that by consolidating I had wiped out all of my previous service under the public service debt relief act, and would have to start over. I have the documents for my consolidation, none of which state that I will lose credit for the payments I had already made through the public service debt relief plan. Clearly, Navient is issuing bad advice and bad documentation, and is contributing to the financial ruin of public servants. I would like to offer to join in the XXXX suits already in progress, or to offer evidence for the suits. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As a way I am sure to make banking " more convenient '' my bank, Bank of America, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency.

Company public response: Company 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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
On or about XXXX XXXX, 2014, I applied for a loan consolidation serviced by Navient. It has recently come to my attention that Navient is being sued for unfair and deceptive practices. Upon further review of the terms and conditions of the consolidation application, specifically clause " G '', I have become concerned that Navient " may '' convert my department of education loans to private loans, raise interest rates and/or deem me ineligible for certain repayment plans and/or student loan forgiveness programs. Clause " G '' is vague and deceptive. I have heard of other borrowers whom experienced the aforementioned conversion and I am formally objecting to any such conversion. I am now worried about the most recent loan I took out through Navient for XXXX school education, whereby I am seeking a degree in human services. I would have never agreed to the terms and conditions used by Navient if it was made clear I could become ineligible for student loan forgiveness in the future, as I plan on working for a non-profit organization after completing my XXXX program. 

In addition, I 'm worried that Navient has or could misappropriate my payments or any other calculations regarding my loans and/or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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: CA

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX, CA made false claims that they would provide job prospects and placement upon graduation and sold high cost loans to pay for that false hope then harassed me for overdue debts while I was in school. The school never intended to extend classes to allow me to finish my educational program. I made several attempts to continue classes but the school never complied. This was negligent on the school. I did not get the opportunity to finish school, so I was never allowed to get job placement. I filed for discharge on the loan based on False Certification Ability to benefit and I am in legal pursuit for debt forgiveness by defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX and XXXX XXXX re-aging another account that was reported and removed from my account long ago. It is now showing up as a new collections account as of XXXX XXXX, 2015 from XXXX XXXX XXXX for {$600.00}. 
I had a Bank of America account and I closed the account because they were repeatedly making it look as if I was debited the account with no funds. I wrote many times not to allow my account to be charged with no funds in the account. I would have money showing in the account and when I used it I would get over-limit fees and other fees until they charged up to over {$600.00}. I had close all my accounts with them and refused to pay because I know I did not use the card. I even closed a money market account and a few months later the bank reopened it and started to charge me fees on it. I had to let them know I had taken my money out of their bank and they had no right to reopen the account. 
This bank took money from me for charges I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed for a Chapter XXXX Bankruptcy which included my home. It was clearly indicated that I was forfeiting the house and not reaffirming the mortgage loan. The BK was discharged in 2010. My attorney advised me to move out of the home promptly which I did. The lender sent me a letter stating that they are going to foreclose on the home, which they still to this date have not done leaving it in limbo with me as the " owner on title '' still. The Home Owner 's Association is now suing me for about {$20000.00} that I was even aware for years. The lender is still reporting the debt and it is reflecting on title work for the property even though it was clearly included in the Bankruptcy.

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 2016-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA WITHOUT CONSCIOUS FILED A WRONGFUL FORECLOSURE SUIT FOR A MORTGAGE LOAN XXXX THAT WAS PLACED IN A XXXX XXXX XXXX XXXX TO WHICH XXXX XXXX SIGNED THE CUSTODIAN AGREEMENT AND XXXX XXXX & XXXX WAS SERVICER OF THEIR LOAN NUMBERS. THIS LOAN IS A MULTI-PLEDGED LOAN AND NOT MY MORTGAGE LOAN. XXXX GOT XXXX FOR THIS POOL AND OTHERS LIKE IT. BANK OF AMERICA IS TRYING TO MAKE ME PAY FOR THE FRAUD OF OTHERS. I DID NOT SIGN ANY LOAN DOCUMENTS FOR THIS LOAN NUMBER XXXX AND BANK OF AMERICA HAS PRODUCED NONE. THOUGH THIS LOAN NUMBER SHARED THE SAME FHA CASE NO AS MY LOAN IT WAS A SEPERATE LOAN AND PLACED IN THAT POOL PRIOR TO MY XXXX PAYMENT XXXX 2008 AND ACCORDING TO BANK OF AMERICA MY LOAN XXXX WAS ALSO PLACED IN THAT SAME POOL. BOTH LOANS TAKEN OUT OF THAT POOL AT XXXX DIFFERENT TIMES AND BOTH XXXX SEPERATE LOANS. THIS COMPLAINT GOES WITH COMPLAINTS XXXX & XXXX. FOR SOME REASON I CAN NOT ACCESS MY ACCOUNT TO REVIEW, COMMENT, ETC.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I had my student loans with XXXX XXXX at first then Navient took over. My student loan went from about XXXX to now {$37000.00} plus. I could not afford even the IBR payment at the time and had to keep my loan in forbearance. I would call and tell them that I could not afford the payment and they would not help me telling me there was nothing more they could do for me. Then 2 years ago when student loan forgiveness was in the forefront I called to see if I was eligible and now I have my loans with XXXX. I struggled months and months of making payments to XXXX/Navient. I was wondering if I would be eligible for any monies if Navient has to pay a fine and would give students back monies for their scary practices? I will never get my student loan paid off but I am eligible for loan forgiveness in 10 years because I work for a XXXX through the Public Service Loan Forgiveness program What is unfair is I have made many months of payments to XXXX XXXX and when I found a way to be able to get my loan bought from XXXX I had to start over making payments that would have counted for student loan forgiveness 10 years of payments. XXXX XXXX was not very helpful when I asked them for help when my loan was with them. I know I accured many late payments because of trying to stay current on my loan with them. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: OH

Complaint narrative:
I have been affected by the recent allegations against Navient regarding my loans as well. My loans were originally with another creditor and transferred to Navient. As early as 2007 I have fallen under all poverty income guidelines for all government agencies and/or have attended school at various places. Instead of offering deferments, or offering with income driven repayment plans, I too have been offered economic hardship deferments, where my interest rates have continued to soar. They would capitalize interest and let it build.I am now paying monthly out of pocket to an accredited online learning institution because I can not afford otherwise to attend school. I can not afford to pay the payments each month requested while not in the IDR plan. They have request XXXX per month out of my XXXX income which supports XXXX people in my household. I also work for XXXX for over 15 years and this was never asked of me and loan forgiveness ever discussed either. I feel this is unfair and I will have to pay thousands in interest that could have been avoided.

Company response to consumer: Closed with explanation