vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mortgage loan is with Bank of America, who is my loan servicer. I am currently in the middle of a loan modification, due to under employment. I was offered a modification trial period offer in XXXX of 2015 thru XXXX 2015, of which I made my trail payments on time and without delay. I was told I would have a permanent modification shorthly there after, but if not to continue to make my payments. I have made payments through XXXX 2015, and then they tell me I do not qualify for the modification because of HAMP rules. I am not sure why they are telling me at the end of the trial period, and not before. Reason being, was because they said they could n't verify I was residing in the home being modified. I provided the bank proof of residency through my utility bill with XXXX, XXXX XXXX ( XXXX XXXX XXXX ). They then requested more financial data and requested I do another trial period to commence on XXXX 2015 through XXXX 2015, but increasing my payment amount by {$800.00} additional per month. They also inform me that my loan will be taken over by a new Servicer, not Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a credit card from Bank of America that I did not request. 
( card # XXXX ) Exp XX/XX/2020 )

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 2016-08-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened my first credit card about 6 years ago with Bank of America. I ended up closing my account 2 years after initially opening the account. There was a {$30.00} annual fee with this credit card. Those fees were paid in full with zero balance. Now, I am trying to refinance my house, and I have a {$18.00} balance that is long past due. I was never even notified about this past due balance. This is affecting my credit, and I need this {$18.00} balance removed immediately. I feel this balance is an error, but I am willing to pay the balance. I greatly appreciate any assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I co-signed a student loan for my step-grandson so he could attend XXXX College in XXXX XXXX XX/XX/XXXX after being XXXX, after he graduated from the school he moved to XXXX XXXX and lived there. We kept in touch with him and told him that he would have to start repaying the loans soon, he refused to do so and to make a long story short he ended up on the street. XXXX XXXX kept hounding us about the loans and would take no action or attempt to locate XXXX so to protect our credit rating we made the loan payments and continue to do so. We started making payments XX/XX/XXXX and have to date paid {$20000.00} on an original balance of {$44000.00} and the balance of that loan is still {$40000.00}. XXXX has been diagnosed with XXXX living on the streets somewhere in XXXX, he does receive Veterans benefits but we have no contact with him. He is very belligerent with us and refuses to pay or discuss the loan with us, he says we owe him an education, he refuses to work and prefers to live on the street. I have tried working with XXXX XXXX and more recently Navient for many years to try to get some kind of relief for us. My wife and I are both XXXX living on social security and a very small investment account that will now run out much sooner than expected. We have in the past tried to talk with Navient about a possible settlement on the loan so as to not hurt our credit rating and they say it has to be in collection and be at least 3 months past due before they would discuss any kind of settlement or reduce the loan. I also do n't remember signing any of the loans except for the original one, we found out after we started to repay the loans that XXXX also received loans to cover room and board and expenses that we were not aware of at the onset, I believe that XXXX College was very underhanded with there issueing and disbursing the loans. I hope there is something you can do to help us. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I paid my XXXX bill {$780.00} on XXXX, 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 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: NC

Complaint narrative:
I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 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: VA

Complaint narrative:
Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My credit cards with Bank of America have repeatedly been cancelled because BoA " was recently notified that information from some credit cards may have been compromised at an undisclosed merchant or service provider. '' BoA has refused my requests to identify the merchant or provider so I can stop doing business with those who do not adequately guard credit card information. BoA reissues me a new card with a new number and indicates I 'm not liable for any fraudulent use of the canceled card. Nevertheless, it 's a nuisance and has happened XXXX in just the last five months. As a consumer, I 'm being denied information that would allow me to choose not to do business with merchants and providers who fail to take adequate measures to protect my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: GA

Complaint narrative:
I have been repaying my private student loans with Navient for 3 years now. My loan does not seem to decrease. Over the past 5 years I was misguided into entering forbearance. I did not want to have my loan go into default and cause it to affect my cosigner. I asked for several options to lower my payments and was told my only option was forbearance. Due to this forbearance I am now paying far more interest than I can handle. I am trying to pay my debt off and find it difficult to achieve. I was unaware of the amount of interest I would incur due to the forbearance, all I wanted was a lower payment so that I could pay them every month. My payments range between $ XXXX- {$900.00} a month just for the XXXX private loans. I still have a federal loan that I am paying as well.

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

Complaint narrative:
I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.

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 2016-04-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a Spirit Airlines credit card ( Bank of America ) while being promised free miles. I received only a fraction of the miles promised. 
I was charged an annual fee and called asking them to cancel the fee since they did not deliver on their part of the contract. They refused to cancel it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America said they ended a promotion waiving fees on savings account. They said they sent a notice but i did n't receive one. I asked that the {$20.00} in fees be refunded and they refused. I would like the {$20.00} ro be refunded 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 monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
case # XXXX what going with this fraud commented by Bank of American!!!??

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 2015-06-23 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: FL

Complaint narrative:
I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees.

Company public response: Company 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: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had a student loan with Sallie mae in XXXX had a deferment in XXXX for financial hardship. Never received anything after now there taking my eitc income taxes. I still ca n't afford to pay and the department never told me my loan was transferred to someone else. What can I do I can be reached at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bought a house in XXXX XXXX in XXXX. It was my primary residence. I fixed it up and made the payments regularly until about XXXX XXXX at which point I called the bank to see what options were available. I explained that I was unable to make the payments any longer, that my parents were sick and that I had put the house on the market in XXXX and moved to XXXX. I gave them all the information they requested. Since then they have continually bounced me from one representative to another almost like a shell game. They did this until the information was outdated and I had to submit all new information such as my XXXX tax statements, bank statements, recent pay stubs, and an explanation why I was unable to make the payments. They would then tell me via mail that I do n't meet investor guidelines. I talked to HUD and they tell me I do! The bank assigns me another representative and we go through the whole procedure again. By now we are 9 months into this process doing this hide and seek and we start a new year. Now I must submit my XXXX taxes, bank info and an explaination why I cant make the payments. My realtor has been going through all this with me over and over again I think at least XXXX times in the past year, so my realtor tells me this week that this is going to be the last time! Today I get a letter from the bank stating that my mortgage is being transferred to another servicer! This XXXX has been going on now for a year and 8 months!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 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: AZ

Complaint narrative:
I am a recent graduate who just obtained her first job. I got hit with a bill for {$1200.00} student loan payment per month from Navient. The interest rates on the private loans I have with them range from 8-9 %, and they have limited options for help. I called crying multiple times, I CAN NOT pay this much in student loans. Is it necessary to have interest rates at 8-9 %? I have NO quality of life because of my student loans, and I also have federal student loans. I am on an income based repayment program for my federal loans which is doable, but does n't take into account the absurd amount of money I have to pay out to Navient each month. It should be illegal to corrupt recent grads like this! They told me " well, we have to make money too ''. 8-9 % interest?! that 's more than a mortgage! Thats corruption if you ask me. Oh, and its a 5 year payment plan. Five years?! I do n't understand how this is okay, and I cry every day over it. I do n't know what to do, who to turn to. Everyone tells me my only option is refinancing, and my parents have tried to refinance their home but got denied from XXXX banks. The only thing Navient told me they can do is get me down to 3 % interest for a year and increase to maximum 15 years but then after a year the interest rate will just climb back up to 8-9 % interest over time. I need help, and this is just corrupt and unjust.

Company response to consumer: Closed with explanation