vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Bank of America last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Bank of America many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Bank of America and help me get my XXXX XXXX XXXX account back. 
Thank you! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} " maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
today I got a call at XXXX, yesterday XXXX. on XXXX XXXX. On XXXX. On XXXX XXXX. I have more records showing they consistently call XXXX times a day. They also leave multiple messages on the same day- for example I had a message at XXXX and again at XXXX which is against FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX, after losing a job, I applied with Bank of America for modification of my mortgage. In the next three months, I did receive XXXX letters from BofA, XXXX of them with the requests to submit the same documents I submitted originally at the time of application. Finally, BofA informed me on XXXX and XXXX that I am not eligible for modification of the loan for the following reasons:1. " You are making all required loan payments on time. " 2. " You did not obtain my loan on or before XX/XX/XXXX. '' It was absolutely clear from the very beginning that I obtain my loan long after XX/XX/XXXX. 
XXXX. " You have sufficient net income ( pension of XXXX a month ) to pay your current mortgage payments ( {$1300.00} a month ) '' 4. " Your loan is not eligible for the Home Affordable Unemployment Program because we service your loan on behalf of an investors that has not given us the contractual authority to suspend your payment under the Home Affordable Unemployment Program '' ( The most puzzling one ). 
The whole process was tortuous as nobody explained to me why should I submit the same package of documents ( bank statements, verification of my pension and unemployment status, etc ) seven times in three months. I am sure nobody read them as I was getting the same letters with different dates on them. 
I am still unemployed ( my unemployment benefits rean out long time ago ) with almost no prospects ( my age of XXXX works against me ) and I am still making payments on time borrowing money left and right. I do not believe I ever had a single late payment in my lifetime and I can not allow myself not to pay. Unfortunately, according to BofA, this is # 1 reason I was denied a loan modificationI am still having difficulties making payments as in addition to that I have medical bills, child support, plus prolonged unemployment since XX/XX/XXXX. 
The whole situation is described in several attachments. I am seeking loan modification, but Bank of America does not want to cooperate. They told me openly, that if I would stop making payments, my chances for loan modification will significantly improve. But it is against my principles. 
Thank you, XXXX XXXX. All documents from BofA were signed by XXXX XXXX, Customer Relationship Manager

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have bank documents that show closure of both personal checking and savings accounts at Bank of America on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have revoked authorization for calls multiple times and attempted to set up payment plan with Navient that fits my budget. They have refused to work with me and I have just ended my approximately 10th phone call where I 've told them they are not allowed to contact me via phone and/or an autodialer and they still do n't seem to get it right. They need to stop contacting me via phone and only contact me via paper mail. I have received no less than XXXX5 calls daily from Navient about a past due balance that I have tried repeatedly to rectify by alternative payment options and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

XXXX has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, XXXX highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, Bank of America, validates their debt collection activity. XXXX claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

Bank of America 's summary judgment was denied on XXXX out of XXXX claims including fraud. 


XXXX should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. XXXX only has the right to pursue collection on what their predecessor had to transfer. Bank of America has not proven any right to collect the debt that was transferred. 

At the time Bank of America transferred the debt tp XXXX, Bank of America NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. Bank of America sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting Bank of America to answer the lawsuit almost two years late is pending in the XXXX XXXX. However, Bank of America transferred the XXXX balanced debt to XXXX on XXXX XXXX, 23 months after the lawsuit was filed against 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 2016-07-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Bank Of America, signed by XXXX XXXX, Bank of America is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, " showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Bank of America Cash Rewards Signature Visa card account knowing I can trust Bank of America to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is shifting transactions in order to make you go negative or negative multiple times. I have printed up my account history just to show you an example but they processed a transaction on XXXX XXXX then lifted the transaction and processed again today XXXX/XXXX/2017 to make me go negative, what they do is reverse small transactions when a larger one appears so the larger will put you in the negative, then they charge the smaller again. when if they simply charged the original smaller transactions you would not go negative because the larger would be denied. but, they have developed an algorithm to make sure no matter what you go negative when the opportunity arises to deny a charge. with this they do not give you any time to pay of the negative account balance before they charge your account. this has been happening for months but unless you literally print up your account statement every day it is next to impossible to have proof because they delete all previous transactions. they are literally stealing from me and making sure it happens on a monthly basis.

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 2017-01-21 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: MI

Complaint narrative:
Have private loan with Navient and feel cheated many times over. Before I decided to return to back to school for my XXXX XXXX, I was paying extra on my loans and directed all additional funds to be placed toward the principle. However, instead of applying it as requested, Navient/XXXX just applied it to my monthly payments. For example, if I paid an additional {$50.00}, they would just take it off my next payment, not the principle as requested. In addition, there is not an option on their website to apply payments to the principle, you have to call them for this request. After calling and voicing my concerns, I was told there was nothing that could be done about it. So my " principle '' payments were going toward the accruing interest which is lining their pockets even further. 
Also, I have requested a plan of payment that could lower my payments, however, Navient instead pushed me into a forbearance in which I have to pay a {$50.00} fee to suspend payments for only 3 months. In the meantime, interest continues to accrue. Every time I contact Navient I receive a different answer depending on who I 'm speaking with. I, as a consumer who pays her debts, am very concerned that now that I 'm in a better financial position to pay off my private loan, my payments will not be properly applied due to previous experience. I feel helpless and taken advantage of. Navient has definitely showed me many times they are n't interested in helping their customers pay off their loans, but instead saddling them with more debt. At the same time, I continue to receive mailers and emails from them in a lame attempt to have me take out another loan from them. I will NEVER do business with Navient again and recommend anyone to stay away from this company!!!! 
I thank the consumers watch groups for their service to call out these crooked companies and hold them accountable. I 'm not looking for a handout, I just want what is fair. Apply all additional funds to the principle. Because of Navient 's deceptive practices, my private loan has swelled from $ XXXX to over $ XXXX and was NEVER in default! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a contract payroll check on XXXX/XXXX/2016 at a local Bank of America branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Bank of America said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Bank of America retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly " bad '' check so that I can cash it at XXXX or another place. Bank of America is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.

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 — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
It took many, many attempts to find out how much our daughter owed on her student loan that was first issued through XXXX XXXX and then was sold to Navient. I as her father co-signed on the loan. They absolutely would not give us the payout amount. We finally had to have a three way conversation with the Navient rep, our daughter and us to get them to give us the pay off amount. Once that finally happened we paid it off as the interest rate was so high and we were able to refinance through our own bank at a much lower interest rate. We paid them what was quoted as the payoff thinking we were done with them. The next month they sent us another statement taking that payoff amount and stretching it out over two or three years worth of payments and said we still owed over {$700.00} dollars on top of that. We could n't get any answers so we then talked to a " supervisor '' who said it must have been a mistake and had no other explanation. We had to then go take out more money to finally be done with them. Navient was dishonest, thieving liars!! A terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 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: NY

Complaint narrative:
Many years ago we entered into a revolving equity loan/, mortgage with XXXX Bank XXXX which became XXXX Bank and finally Bank of America XXXX The loan was upgraded several times. However, we learned in XXXX or XXXX of this year while attempting to move to a credit union - that XXXX of the prior equity, line of credit loans had not been extended but a new mortgage issued - without the old mortgage being discharged of record. The Title search XXXX and other necessary information was sent to BOA at least 2 times - and by me at least XXXX more. We have lost the good deal offered XXXX - as the application expired & there was the outstanding lien. 

As my attached records show which has not been disputed by BoA ; the unsatisfied mortgage was fully paid upon the extension of the line of credit equity loan at that time 2001- and this has not been disputed. 

I will attach the information for your consideration and action. Our request for satisfaction was acknowledged twice by BoA- I will attach. When we followed up at the time frame BoA gave itself - the person called ( number given to call XXXX had no records nor interest in looking for them. We were again requested to fax all the documents again. 

We request help in getting a lien which has been paid - discharged of record and other just relief - as we lost a good deal XXXX - and are forced to continue with the BoA deal. 

Under the choices below, it does not easily fit but is " loan servicing '' as refusing to discharge of record a paid equity loan line of credit. Also we request only written responses or email responses from Boa. Please BoA - DO NOT CALL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
To whom this may Concern, My name is XXXX XXXX XXXX, and I 'm a member of the SECU. I reside in XXXX, NC. 

I 'm sending this email as my rights a as member have been significantly violated. On Friday, XXXX XXXX, I had someone deposit money into my account. They did n't have my account number, only my first, middle, and last name, along with my address to assure it went to the right account. 

They followed back up with a confirmation that they money has been deposited, and sent me a picture reflecting my balance in my account. I 'm livid right now, as it is no one 's concern as to how much money is in my account, and it puts me at a disadvantage when trying to have my privacy. I have dealt with SECU for a few years, and have even made deposits in other 's accounts, and I know this is not the proper protocol to expose my information. 

I 'm out of the country for the next two months, or else I would have visited the bank in person. I need to be communication with a Senior level or even corporate manager to notify them of what happened. The teller also needs some ramifications to take place on their part as I 'm a victim of having my information unwillingly exploited. I still have pictures on my phone reflecting the receipt the individual received before leaving the bank. 

I need to know my rights also as a member and potential compensation for my right being violated to ensure this does n't happen to another member moving forward. This has unfortunately put me in an uncompromising situation. 

Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation