vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-06 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: TX

Complaint narrative:
I have been part of the IBR repayment plan since 2013. In XXXX it was time to recertify my income for the next year. I filled out the application on studentloan.gov and attached my IRS tax return. 

I have XXXX servicers currently : Navient and XXXX XXXX. XXXX XXXX recertified my participation in the plan and is in the stages of calculating my payment. Navient denied me because they said my income is to high. To my understanding once I am in the IBR plan I can not be kicked out and they must adjust my loans according to my income and balance of loans. If my payment would be higher then the 10 year standard rate. I would pay that while remaining on IBR. To my knowledge they can not deny me, as it is only a recertification, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are " correcting '' it as they did 2 weeks ago when I last called, but I never hear from them again until I see the bill the next year and call again.

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 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX, FL, Bank of America checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to work with Bank of American to either get a modification for my XXXX and XXXX or to refinance them. Over the course of many months, I have tried every XXXX of the Home Loan Assistance they offer with denials because I either have XXXX high of a debt to income ratio or because I make too much money to qualify. That in itself does not make sense because they seem to contradict each other but that is besides the point. I have not missed a payment in the almost XXXX years I have had the loan and am struggling to continue with this record. About XXXX months ago my XXXX mortgage reset to a 4.00 % increasing my payment by about {$700.00} a month. I was working with them before this and they kept denying my applications. Now the XXXX mortgage is going to reset and raise the monthly payment another {$600.00}. I can not keep up with the increased costs. All I want is to refinance into a 30 year conventional loan to keep my payments affordable but they say I do n't qualify because of the 80 % loan rule. I owe about {$390000.00} ( that is including both the XXXX and the XXXX ) and the house is valued at about {$450000.00}. Because there is not enough equity they refuse to help. I do n't understand their reasoning because if I have been able to make the current payments how I would not be able to make the lower payments if I could refinance. I am not asking them to give away money, I just want to refinance to be able to keep my home and be able to pay back the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive 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 non-monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a " Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another " Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX " Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Bank of America customer have to spent my time addressing the same issue month after month. You, as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem.

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 2016-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My Bank Of America account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the bank of america account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Bank Of America has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document anything.

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 2016-10-12 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: CA

Complaint narrative:
Bank Of America did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.

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 2017-01-21 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: FL

Complaint narrative:
I received my XXXX in 2014 which I paid for with private loans, since Federal loans are not available for graduate students. I moved to Florida after completing my XXXX. I 've struggled with repayments. My loan was in deferral for a year and since then I have made 3 months of payments. I recently called Naviant to explain my situation. You see, I take home {$2400.00} a month. My monthly expenses including rent, cell phone, car, travel to and from work, and utilities leaves me with {$300.00} to spend on food and have for emergencies. Naviant told me I could afford to pay them {$270.00} a month and they will not accept anything lower. This payment is just impossible for me and they wo n't do anything to help. I 've tried to find help and I ca n't. If i had known that trying to further my education would wind up hurting me and my credit this much, I would have never gone back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid my credit card balance of {$970.00} on XXXX/XXXX/16 due within the due date of the statement cycle and was charged interest of {$4.00} on XXXX/XXXX/16. They stated that the interest was charged because i had a previous statement cycle that was not paid off. Why would I get charged interest for paying the balance due for that month. My understanding is that this is not allowed under Regulation Z. Thanks

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 2017-03-22 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: IA

Complaint narrative:
I ca n't afford my payments. Navient will not work with me because my consigner makes too much money. My income will is irrelevant. I have asked for hel multiple times and they offer no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
In XXXX of 2013, I suffered a XXXX attack and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, SC. I was treated and told to contact a provider who would perform XXXX surgery. I received the attached statement after my treatment and assumed an insurance claim had been sent to XXXX XXXX XXXX XXXX as well. I knew that I would be responsible for payment as my deductible and out of pocket maximum had not been met. However, I did not notice that for some reason, my insurance was never billed for services received at XXXX XXXX XXXX. I was unable to pay the balance until XXXX of that year, due to the fact that my husband was laid off earlier in the year. In the mean time, my bill had been sold to Central Financial Control ( CFC ), a debt Collector. After I sent the balance to XXXX XXXX XXXX XXXX, they, in turn sent it to CFC. 

I did have my XXXX removed in the XXXX of 2013 and claims were sent to my insurance company ( XXXX XXXX XXXX ) but were denied. XXXX stated that my deductible and out of pocket maximum had not been met. It was then I discovered that the initial emergency room visit claim had never been made and BC/BS had no record of the {$1400.00} medical bill I had paid. 

I contacted XXXX XXXX XXXX XXXX after finding out that they had not sent my claim in to BC/BS properly. They refused to talk to me because they had already sent my account to Central Financial Control ( CFC ), their Debt Collector. Every time I called, they transferred me to CFC. CFC refused to send in the claim as they had already been paid. I was told that it was not their responsibility. So, I contacted XXXX myself and sent in all the paperwork. They reviewed the hospital bills and other claims from later medical procedures and determined that XXXX XXXX XXXX XXXX was due {$2400.00}. They sent the check to XXXX who in turn sent it to CFC. The original delinquent amount that CFC was due was only {$1400.00}. They issued a refund check to me for the original amount and kept the extra {$910.00}. This was not their money to keep, so they have literally stolen this money from me which I need to pay off other outstanding medical debt. I still have the original refund check. I have not cashed it because I am afraid doing so will mean the account is settled. I called CFC and asked a representative why I was not paid the entire amount and they said they did n't have to. I spoke with a representative at XXXX and an attorney who said what CFC did was illegal. I told the CFC representative that I was going to hire an attorney and they laughed at me. Most of the representatives I spoke with were rude and XXXX even burped on the phone when I was speaking with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I had a mortgage that was originated through Countrywide Financial XX/XX/XXXX. This mortgage was sold off to Bank of America when countrywide went out of business XX/XX/XXXX. Bank of America then sold my mortgage to a loan servicer by the name of XXXX XX/XX/XXXX. The problem is that I am being reported as having a late payment history by both Bank of America and XXXX congruently, on all XXXX major credit reports. This is incorrect information as obviously I did not have the same mortgage open with XXXX different lenders at the same time. Any mortgage repsonsibilities to Bank of America have exceeded the 7 year limit for credit reporting. Therefore, I request that Bank of America be removed from my credit reports with all XXXX agencies.

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: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I paid off a mortgage loan in 2006. The lender did not file a lien release. I am trying to sell my house now, and can not ; due to the lien. I am having trouble wit Bank of America getting the lien released. I have sent them copies of the payoff check, my settlement statement and XXXX overnight receipt. I am getting the run around on the lien release! 
Original property address is XXXX XXXX XXXX, XXXX, NE 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 non-monetary relief
Consumer complaint received 2017-03-19 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: LA

Complaint narrative:
I have loans from my XXXX school studies at the University of XXXX from XXXX. These loans at the time totaled $ XXXX. Since then I have made arrangements which I was led to believe by Navient would be the best way to deal with repayment. In light of some recent research and discovery, they acted in an unethical and predatory manner by allowing my loans to continue to increase to $ XXXX with capitalized interest and high interest rates that are unfair and unrealistic. I would have made different arrangements in the days after graduating or went in a different direction had I understood how much my debt was increasing every year. I have repeatedly called for assistance and have only received forebearance or smaller payments terms that did not allow me to pay down my debt but rather allowed more and more interest and penalties to be added and now it is a completely unrealistic amount I can never repay especially not in a 10 year term and have enough money to pay for anything else. I am barely making it now as it is with taxes on a full commission check, healthcare costs, childcare, etc. Apparently I am not alone in this view as many others have the same issues. There is also a lawsuit with the same charges against Navient. I am formally filing this complaint to add my name to the list of those that have been treated unethically and unfairly by this company.

Company response to consumer: Closed with explanation