vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America continues to erroneously report a mortgage payment made in XXXX XXXX as being 30 days late. I have submitted letters with a bank statement ( the latest letter was sent on XXXX/XXXX/XXXX and BOA acknowledged they received it ) showing the payment was made on XXXX/XXXX/XXXX and cleared a BOA checking account on XXXX/XXXX/XXXX. I have made numerous calls where I am promised someone will look into it and get back to me.. and I hear absolutely nothing. The latest call was on XXXX XXXX, I spoke to a supervisor in XXXX, Az who gave me his contact info and said I would be hearing back in 3 days. Never heard a word, called and left several messages. To date still nothing. Every rep I spoke to acknowledges that the payment was made within 30 days, then transfers me to another department, who then transfers me to yet another XXXX and no one can seem to rectify the issue. Bank of America 's lack of customer service and trained employees is toxic to their customers financial well-being. I have also tried to resolve this through Experian, but was told I shoudl contact the bank,. I need this resolve ASAP as it is affecting my credit rating.

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 2016-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
We took out a XXXX XXXX private student loan in XXXX. The loan became due XXXX and the payments were so high we were unable to make payments. We never made any payments because XXXX XXXX refused to negotiate a payment that we could afford. In XXXX, we pulled our credit report through XXXX and the Status Details of the loan stated : As of XXXX XXXX, this account is scheduled to go to a positive status. In XXXX, we pulled our credit report through XXXX and the Status Details on the loan stated : The account is scheduled to continue on record until XXXX XXXX. XXXX XXXX, would be XXXX years since the loan was originally opened and 10 years since the loan became due for payment. The Reported Since date on the credit reports from XXXX was XXXX and changed to XXXX on the XXXX credit report. It appears that XXXX XXXX ( Navient ) is altering dates on our credit report to extend the time they can negatively impact our credit report beyond the 7 year law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
in 2013 BOA sent us this notice : 1 ) They sold our mortgage to, and they obtained payment from FHA.2 ) FHA sold our loan to XXXX 3 ) as a result, our loan was transferred to XXXX . Now BOA is pushing hard to take our house and auction it. How can BOA sale our house if XXXX currently owns the loan? Should n't they help us keep our house? Of course greed always take over compassion ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a loan from Navient for XXXX school that I have been paying back. I was over due on my payments and tried to make a partial payment on Navient website but it would n't let me make a partial payment under what they wanted which was {$1000.00}. I was forced to put my loan into forbearance again. This keeps happening with them and they have not offered any kind of plan with lower interest rates for me to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The company is Navient and this is for a private loan payment. The reason they are calling is to find out when I 'm going to make a payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they leave a message then call right back again from XXXX different numbers. This is excessive and I do n't need them calling me that many times a day. Please make them stop calling me 6 to 8 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My wife and I have consolidated federal student loans through Navient. We are both going to graduate school and both sent in student loan deferment request forms. We have been going back and forth with them for weeks. The first time we called, they claimed they did n't have my wife 's form, but had my form so we sent hers again. We then get a denial letter and when we called, they said it was because they did n't have my form, even though the first call they said they had mine. So, I had my school send it again. Finally, we got an APPROVAL letter and that our deferment was effective immediately. Two days later, we received another denial letter. WHAT?? The letter states they did n't have my form, in which I sent it AGAIN. I was flabbergasted how they could send was an approval letter and 2 days later send a denial letter. Now they have both our forms supposedly but state mine is n't filled out properly. Keep in mind that our schools have to fill these forms out ... .they do this all the time. My advisor states the form she filled out is filled out the same way she always fills it out and this is the first time she 's had a problem with it. I 've been off and on the phone with them for weeks with no resolution. Have the time I 'm on the phone, the representative barely speaks English and she doens't undertstand what I 'm trying to get across. I have proof of approval and then 2 days later a denial and now no one at Navient seems to know what to do. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
Loans went into repayment in XXXX 2016. Every penny of monthly payment has been applied to interest, nothing to principal. I will never get this paid off through income based repayment if nothing is put towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Repeated calls, between 5-7 per day. Most days. 1 call per day in weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: NJ

Complaint narrative:
My monthly payment amount changed on at least two separate occasions, one of which I was not sent prior notification of the change. I was sent correspondence on XXXX/XXXX/XXXX that notified me that my new monthly payment increased to {$1100.00} after review of my loans. I made the aforementioned payment for the month of XXXX XXXX. However, I recently reviewed my loan status and the new monthly payment was now {$1200.00} which is due in XXXX XXXX. I was not sent prior notification of the new monthly payment amount. I contacted the loan servicer and was informed that they will send it to their account department for review. This is not the first time that a change in my monthly payment has occurred without prior notification. Another incident like this occurred last XXXX XXXX and there was no change in interest rates nor do I have any delinquent loans. I currently have an extended repayment plan which should not have variability in payment amounts unless changes were made, which I did not make any changes in XXXX and there were no interest rate changes in any of my loans. I am very concerned about these sudden changes in loan payment amounts without adequate explanation by Navient.

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

Complaint narrative:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading, confusing, & I feel taken advantage of. I have been pushed into forbearance for years as my only option not knowing that outlandish amounts of interest was accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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:
In XXXX XXXX we purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX and XXXX loan with Countrywide. made our payments on time until in XXXX when discovered that Countrywide committed a fraud on our loan. By this time Bank of America have purchased countrywide loans. We contacted Bank of America and asked them by civil code to provide us with all the supportive documents that we submitted when originally applied for a loan. After several attempts Bo of A legal department could not provides us with documents requested but advised me to file a lawsuit and subpoena their file. We stopped making a monthly payments and preceded with a lawsuit. In XXXX XXXX XXXX Bank of America transferred /sold our XXXX loan to XXXX and on XXXX XXXX XXXX Charged it off. In XXXX I received a XXXX and a phone call that U.S. Department of Justice and XXXX XXXX XXXX XXXX XXXX including B of A. Our loan was modified. I am planning to sell the property and move to XXXX but second loan is still showing on a Deed. I need that remove and since Statue of limitation is over, loan was modified and I should not be responsible for the amount showing on a Deed. I need your help to clear my Deed

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 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I had summited a claim regarding this with another company and it had been removed but that company sold my dept to this new company and its showing that its a new re opened collection ... 
RECEIVABLES PERFORMANCE MGMT {$0.00} {$630.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$630.00} Balance XXXX Original Creditor {$630.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Joint Account Responsibility -- Remarks NoteXXXX, XXXX. 

XXXX XXXX, XXXX XXXX {$630.00} Re : XXXX XXXX Reference No : XXXX Dear XXXX XXXX : It is our policy and procedure to honor requests for no phone calls. On behalf of XXXX XXXX XXXX XXXX we apologize for any inconvenience or embarrassment you may have been called. Your comments have been referred to the appropriate department for investigation. 
Please accept this as confirmation XXXX XXXX XXXX XXXX has closed its file and discontinued collection efforts on the account. 
Sincerely, Consumer Affairs on behalf of XXXX XXXX, XXXX. 
Toll Free No : XXXX This communication is from a debt collector this company is trying to collect a collection that was sold to them when we had came to agreement with other company.

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 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I transferred XXXX IRA 's to Merrill lynch last year. From the time I opened my account I was asked repeatedly by the broker in XXXX to return to his office to fill out the same forms over and over again. I also was asked to provide a death certificate for the inherited IRA, which I did to the merrill lynch broker in XXXX and again to another merrill lynch broker in XXXX. I had to provide the death certificate before I could withdraw the RMD required minimum distribution. I also filled out forms so the RMD would be withdrawn automatically and sent to me. last Friday I called merrill lynch to see what happened to my RMD. I was told they dont have the form for an automatic withdrawal on file but they would send me a check as I requested. Shortly thereafter I received a message on my phone telling me to call merrill lynch. I did and when I was finally able to get through their automated phone system i was told they refuse to send me MY money from MY account in the RMD unless I send them a copy of the death certificate, which i already did twice. If I do n't receive the RMD before year end I will have a problem with the IRS. I ask you to contact merrill lynch and get me my money now, I also read in the past merrill lynch entered into a consent decree when sued by you, Apparently merrill lynch does not take you seriously as they continue to flout the law, therefore I ask you to fine the as much money as you can and to revoke the brokers licenses of all those involved in attempting to deny me access to my money.

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 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 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: MN

Complaint narrative:
We were advised to use forbearance early in our loan and while going to school still. Looking back and now knowing what I know we should have been making what payments we could. Interest accrued during this time has really added up to a large sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It has been over a month since I filed a complaint against Bank of America with the Consumer Financial Protection Bureau ( CFPB ). Despite promises to the contrary, in the intervening weeks absolutely nothing has happened with my concerns, and sad to say, it does not look like anything will happen with my concerns without Bank of America being compelled to act. 

Within a day or two after I filed my XXXX XXXX CFPB complaint regarding Bank of America I received a telephone call from XXXX XXXX XXXX of Bank of America. I was told that she was calling on behalf of Bank of America 's president as a result of my complaint to the CFPB. 

We spoke on XXXX XXXX and at that time XXXX XXXX promised to finally correct my deceased Father 's mailing address, and to get a nearby branch manager to give me a call, so I would not be forced to repeat the frustrations of the past when I attempted to close my Father 's accounts at a local Bank of America branch. In addition, on XXXX XXXX I FAXed over to Bank of America a letter addressing concerns about unauthorized Bank of America deductions from XXXX of my Father 's account. XXXX XXXX had previously promised she would review these concerns. 

I have called XXXX XXXX a number of times since I sent the FAX over on XXXX XXXX, and I have yet to hear from her. Neither, all these weeks later, have I received the promised call from the Bank of America branch manager. 

Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Bank of America from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to " discuss this further. '' I have yet to see a sign that Bank of America is interested in more than simply stonewalling me, and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Bank of America to take my concerns seriously, and resolve matters promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A merchant, XXXX, scammed me into seeking their services. Later, the merchant stated they would be ending there services yet still charged my card at a later point. The merchant was suppose to handle XXXX separate cases fully, they did not and did not fulfill the contract. I had to hire XXXX other firms to perform the service. In addition, after speaking to multiple ( similar merchant, third parties ) they all reported that the credit card company should protect me from the original merchants charges. As of today, Bank of America has given me the run around instead of fulfilling their promise to protect consumers and has failed to comply with the Fair Credit Billing Act. I have had an attorney write to the credit card company explaining that the charges from the original merchant should be returned, however Bank of America has refused to assist the consumer..

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 2015-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief