vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America ( BofA ) just assigned a new account number, as there was a " data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.

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 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
Unknown collection through this company. Requested validation, disputed with no outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I enrolled in medvance institute in XXXX. They mislead me about student loans. They stated I could relieve quite a deal of money back by them submitting all the paper work in themselves instead of me paying in full or taking out a personal loan. The cost to attend this school was, {$860000.00} in XXXX. 
I believe I was mislead by this school on student loan.My loan was then sent to Navient. 
At the time the o was out of work then only could find part time work. Navient always revered my to forebarrsnce. Presenting it as a better option for me because I could not afford the XXXX payment a month. They never have me options of income driven plans. Or divided the huge accusation of interest. I feel they did not take the time to talk to me about ALL my options. Today the loan is {$25000.00}. I work full time and can pay a monthly payment. The payment they want is about XXXX XXXX a month which is something I can not afford so I enrolled in the income plan. It now is XXXX a month and of course that barely goes to interest and the keep tacking on XXXX a month because I could not pay a past dues amount that accumulated when the income driven plan took longer time to get approved then the generation of monthly payment. So now I am almost XXXX past due and a monthly payment of over XXXX due to XXXX in last fees each month. Barely nothing goes to interest. In XXXX my payment starts to go up to over XXXX a month. I am horrified my principle loAn is almost XXXX more now. I feel Navient steered me into what was easier for them and was better for them to receive more money. I wish they would have taking the time to really discuss things with me. They are always hostile when I attempt to contact them and discuss loan details. THEY CALL ME EVERYDAY EVERY TWO HOURS. WHICH IS HARRASMENT I now make a payment of XXXX a month hoping a small amount will go to the past due. They have informed me to take out a personal loan to catch up. Instead of giving me a payment plan to do so. 
The point of this complaint is started with the original loan pressure and lack of explanation and now Navient 's handling and fauie to take the time to communicate details and pressure of forebarence My complaints fits most all of the Catagories listed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I had a checking account with Bank of America and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to " suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. 
I spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. 
I never heard back from them and assumed it was resolved. 
On Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. 
He told me that I should receive it by today, XXXX XXXX ( which I havent yet ). 
On the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. 
Today I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. 
This morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. 
I finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. 
I have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution.

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 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I believe the ticket was paid back when it was due. Now 20 years later I get a notice that I must pay this ticket. When I call the collection agency, they tell me to send it to them in writing. Then they send me a letter telling me to prove it. When I call back to explain that I have denied owing this bill ( ticket ) they will not let me talk becuase Their script is important, I again state that I do not owe this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
I have been making my monthly payments and the beginning of this year the payment has almost doubled. I have other loans and tried explaining that to Navient. I am a single mother of a XXXX year old so well im at work I pay for him to be at daycare not including bills which I explained to the Representive at Navient. The man took all my info and said yes your in the negative with your income and bills if I have to pay what they were asking. He said there was nothing he could do but would transfer me that it was out of his hands. I was transferred and the person did the same thing she took my info and this time asked to speak to my co signer. Well my co signer is now unemployed and my income has not changed yet there was nothing they could do for me. I do n't want to default I just want something reasonable. I understand I have to pay back. When I got these loans I was told that they would work with me. I did n't even get a job with what I went to school for I am just asking for them to be lowered. Navient does not work with you or try and understand. I am a person who is willing to make payments and not default yet they can not accommodate or be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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: AP

Complaint narrative:
I accidentally chose my bank of america account to pay my credit card bill this month. I almost never use that account and there was n't enough money to cover it. Ideally, they would have rejected the payment, which they did a few years ago when I made this same error for a larger payment. 
This time, they paid it and charged me XXXX. I immediately transferred funds over to cover the difference and forgot about it for a week. I came back to look the other day but now I 'm still overdrawn because they allowed a {$1.00} recurring payment to go through and charged another XXXX and then another XXXX. So now my stupid mistake of selecting the wrong account on a mobile drop-down has cost me XXXX and is probably still being racked up because it takes 2-3 business days to get the money through ACH. 
This is a fat-finger nightmare that is indicative of why Bank of America is America 's most hated financial institution. I am lucky in that this financial hardship wo n't break me, but I know many people for whom this debacle would cause an irreparable financial tailspin. 
I do not believe that I have ever opted into an overdraft services. I do not want BOA covering payments for me BECAUSE they charge exorbitant, predatory fees for doing so.

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 2017-01-18 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: MO

Complaint narrative:
I asked for a income based forgiveness plan n they stuck me with a $ XXXX monthly payment and because I ca n't pay at this moment it hit my credit negatively. It was not honored at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: FL

Complaint narrative:
Pioneer Recovery ( A Navient Co. ) employee, XXXX XXXX XXXX, called our neighbors this morning and left them a written massages with the collection case # s and info of our unpaid college plus loans we took out XX/XX/2000, asking them to hand the message over to us physically by my neighbors. 
So, what kind of harassment are they trying to humiliate us in our neighborhood? 
I 've visited Pioneer Recovery web site boasting as a leading provider of collection service with 13 yrs. of wealth of experience in non-tax government collections. Does this mean they are acting on behalf of our XXXX government? ... 
My husband just XXXX at the age of XXXX as a XXXX and I am a XXXX by training, still working as a self-employed XXXX with my husband 's help. We never had any vacations in our 38 yrs. of marriage life and continuously worked XXXX in XXXX market. 
Our home has been on the market in last 11 months and still have n't found a buyer. We 're trying hard to manage the situation with dignity on our part but our options are limited. 
What would Pioneer Recovery do next pursuing their collection attempt, are they going to contact our bank and take our house away? ... Thank you for letting us to write this complain, we do n't know where to turn to.

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 2016-03-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I can not pay with my debit card to pay monthly payments. It requires a checking account number and routing number. Check have become obsolete. I gotten hit with multi late fees because I move money from bank to another. I feel this is done to make it difficult for a customer and get charge with a late fee. I asked to have XXXX waive. I thought I paid my card in full. I had a XXXX balance I was going to get hit with another late fee. I was told no. I ask the agent twice to have a manager review my request. Then the windo chat was disconnect.

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 2016-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For the past year, Navient, who purchased my XXXX XXXX XXXX from XXXX XXXX, has been applying my entire loan payment, or very high percentages of my payments to interest only. For the past year, I have either paid my loan early, or on time. Most recently, there was an over payment on the account. Navient told me I owed {$120.00} for the month. I instead paid {$290.00} and Navient applied {$43.00} to my principal and {$240.00} to interest. There have been no late payments on the account, so there is no reason why they are taking this much toward the interest payment. I have called several times, and each time, I get a different story. Please help me. I do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. 
Contacted them and they have refuse to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was offered back in XXXX a 4.0 % rate refinace by Bank of America, I got the paperwork to signed and the rate was fine at 4.0 % ; after a few weeks they raise the rate to XXXX without telling me. I called them and they said they had made a mistake and now rate had change to XXXX and there was nothing they can do, and that if wanted the loan it was going to be XXXX. I do not think that is correctm

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When I first signed for these investment property mortgages with Bank of America XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX They were for more than 80 % of the market value, hence, they imposed a PMI payment on top of the mortgage payment, with the understanding that when the properties appreciated to where the outstanding LTV debt was 80 % or less, the PMI would drop off. When the market value hit this target, I contacted B of A to have the PMI removed, and they said they could only drop it when the LTV was 75 %!! So then I wait until the properties further appreciated to 75 % and again asked B of A to remove the PMI, but they then told me that now the LTV has to be 70 %!!!! Please stop these thieves from continuing to rip me off

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 2016-06-01 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:
Ten years ago my father died. I responded to all of the never ending paperwork requests from BOA and submitted everything they ask to receive in order to remove him from my mother 's bank accounts. This week they send condolences on his passing. They want me to start submitting everything all over again, because they never removed his name from the account. I told them that they did. All of the statements now only have my mother 's name on them. They still want the documents. They want everything resubmitted because ten years ago they were not centralized Their inefficiencies are not my problem. They should adjust their records, which they refuse to do unless I go back and find the same documents that they already have from ten years ago. I have to say I was so upset I finally hung up on 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