vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-30 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 received a letter to my physical address I provided to Bank of America. This letter was mailed to my current physical address ( XXXX, WA ) and asking for my country of residence. I provided this on account opening ( obvious since I received my letter ) and am concerned that the information was misplaced, or the web application the bank uses is not committing the information correctly during the automated online account opening process ( or letting anyone, including XXXX 's open accounts ). I wish that the bank could confirm that my account information is secured and that they overlooked my account information prior to mailing this letter. The Bank of America chat representative could not state why my information was missed on the automated and validated online application. I was given no choice but to provide this letter back or my checking account would be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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 had my loans consolidated in XX/XX/XXXXwith XXXX when my son graduated college. I also enrolled in a 10 year Debt Forgiveness program because I was XXXX. After 2 years, I was nearing retirement age, but figured I had another 8 years to work because of the loan. At that time I owed roughly XXXX. While talking to a couple of XXXX representatives at two different times, they assured me that my payment would reflect my retirement benefits income which was significant less than what I was making. I was excited because that would afford me the opportunity to retire when I wanted to. Right before I retired, I called them one more time to make sure this was a possibility and I was told it was by another representative, so I pulled the trigger and retired. I sent in the appropriate paperwork to XXXX for an IRB. @ weeks later I received the amount I was supposed to pay each month, and it was significantly higher than what I had been paying. I was sick XXXX. I contacted them and they said I was not eligible for such a program because I had Parent Plus Loans. I retired XX/XX/XXXX and have not been able to make the payment but only a hand full of times. Navient talked me into a forbearance, not realizing and them not telling me that the interest would accrue, my loan is now XXXX. I have been misled so many time by these folks that there is no way I can ever pay off his loan and I struggle every month and it has me XXXX to the max. I pay my debts and always have, but I can not afford to pay this XXXX because of several XXXX/Navient misrepresentations. I tried to work with these folks many times on the phone, but they always mislead me and send me paperwork that actually raises my debt monthly payment. Can you please help me, I want to be able to enjoy my retirement for a change. I spent 33 years as a XXXX. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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:
They will not work with me on my student loans despite acknowledging my lack of income as compared to previous income ( after job loss I had to start over in the job market ) .. I was never informed that I could 've done income based payment options until I was out of fierce stance options. I never knew there was a limit to the amount of forebearance you could do on the loans. It was always offered to me when I was behind and I took it not knowing the consequences over the long term. Now I 'm in need of forebearance due to income and it will not be awarded nor can I afford the payment amounts they have offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: OK

Complaint narrative:
Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Bought a product from a company and recieved it well after they originally told me. 

Product did n't work, so I sent it back per a text agreement with the merchant. 

Merchant ignored me and would not respond to me for over a month. 

Decided to get my bank involved, they sent me temporary funds only to take them back a few weeks later saying it was more than 60 days after my purchase while 20+ days I did n't have the product delivered to me. 

Now as of yesterday the merchant has finally responded to me basically saying they have the manifold and the money and then will not contact me anymore. 

My bank will not do anything even with written proof the company has the product and does n't plan on sending it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America attempting to change terms of closed credit card. This is prohibited under CARD Act. I do not consent to an increase in late payment fee detailed in the XXXX 2016 notice.

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 2016-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to make this complaint against XXXX XXXX XXXX and my investor of my loan. Loan Modification policies that discriminately disallows the bank 's service provider, XXXX XXXX XXXX, to approve a loan modification that is authorized under the Hamp or Harp Program by Mr Obama for underwater homeowners. On two occasions, XX/XX/XXXX and XX/XX/XXXX, XXXX in accordance with Deutsche 's discretionary policies contrary to existing XXXX authority has denied our loan modification applications, despite proven severe decline in our home value and documented severe decline in our household income due to XXXX XXXX 's XXXX status. The basis for the denial is " The owner of your loan has very specific, technical guidelines for participating in the government 's FED programs and your loan falls outside of the requirements. Because our loan is not backed by XXXX or XXXX XXXX, my Wife and I have lost the opportunity to take advantage of refinancing or modifying through XXXX and are subject to the discriminatory policy of Deutsch Bank National Trust Company as Trustee on Behalf of XXXX XXXX XXXX XXXX Mortgage Pass- Through Certificates, Series XXXX. Because of the legal maze of ownership, we are unable to speak directly with anyone within the bank that actually owns our loan regarding our personal situation. XXXX just released contact information for the bank. It is a vicious cycle designed to disable the customer. Under any peer bank standards, our circumstances more than qualifies for a loan modification. However, because we are behind on our mortgage payment, we are requesting help. Our families gross financial hardships in other areas of our household, XXXX is not authorized to help and is acting under Deutsche 's " technical guidelines '' keeps our family economically strapped and oppressed. I would also like to add to this complaint that DBNTC in XXXX XXXX CA office is showing a lease sign, and is s subject of a new movie called XXXX. They still may be under investigation by the DOJ, and may be shutdown. I also would like to add that XXXX may be the primary investor, not sure due to the letter that B of A sent me has DBNTC the Trustee working on behalf of XXXX.

Company public response: Company 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: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.

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 2017-01-19 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: MS

Complaint narrative:
Multiple phone calls, info giving out to another family member, no clear info given about repayment options, deferment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Earlier this year I decided to open a bank account with Bank of America for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Bank of America. A few days later Bank of America notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Bank of America I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Bank of America had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Bank of America would be able to change the information so I contacted Bank of America risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Bank of America to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.

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 2017-01-19 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: TN

Complaint narrative:
I have over XXXX in student loans the payments are so high. I am unemployed and XXXX and have a XXXX child there is no way I can make the payments. Navient denies me deferments forbearance and payment arrangements they are now threatening to put me in default and garnish my checking account and taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mother and I open a bank account at Bank of America in our name only on XXXX/XXXX/2015. In XXXX XXXX, Texas. I tried to use the card and the transaction was not approved. So I returned to the bank to check what the problem was. I was told by the bank representative that the accout was closed on XXXX/XXXX/2015 at a Bank of America in XXXX, Texas. So the representative call the location and they stated that it was closed by my Mother in person. My sister inlaw lives in XXXX and she worked at that location. The representative that was helping me told the rep at the other location that she helped us open the account and that my mother was here in XXXX XXXX, and than representive went to her manager and they did nothing about it. I also explain that my sister inlaw does have my mothers drivers license because my mother did live with her at one time. 
On XXXX XXXX, 2015 I took my mother out of the XXXX and brought her to my home in XXXX XXXX. Since Bank of America here in XXXX XXXX would not do anything about it. I did filed a fraud complaint with Bank of American. The complaint was taken down incorrectly. So I filed a second one and they still stated that my mother went in to the bank and closed the account. Bank of America refuses to view the video so it can be proven that my mother was not present when the account was closed. I strongly believe that my sister lnlaw new the person that help her close the account, because she did work there, that would be the only way the account could be closed. As I said before my mother was not there. I am at witts end with all of the actions of Bank of America. The amount taken out of the account was {$1000.00}. 
Adult Protective Service has already placed Identity theft notice on my mother 's social scurity number. Because my sister In-law has taken monies out of the account that my mother had with Bank of America for years that was the reason we openned up another account. 
Please Help

Company public response: Company 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: CA

Complaint narrative:
After Navient took over my loan from XXXX XXXX, I have tried numerous times to try to get my co-signer off my loan, but their requirements are so strict that it it almost impossible. Even when your a few days late the calls go into the night and on weekends also. When XXXX XXXX handled my loan there were times I needed a defer my payments and they would charge a XXXX dollar fee to delay payments for a short period. Finally, I have tried and so have my parents to try to get the payment amount reduced and have been met with opposition. " Can someone else help you pay, '' " What about your co-signer, '' " Can you make a payment with a credit card. '' All of those words I would hear back from them, and nothing be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
THIS IS MY DEBTH WITH XXXX XXXX. THEDEBTH WAS WRITTEN OFF. I DECIDED TO SETTLED FOR LESS THEN THE FULL BALANCE. I PAID THE SETTLE AMOUNT. THE PROBLEM IS THE REMAINING BALANCE KEEP GETTING REPORTED TO THE CREDIT BEREAU AS I STILL OWE. BUT I SETTLED THIS ACCOUNT.

Company public response: Company believes complaint is the result of an isolated error
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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans 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, US Department of Education, 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 and when I went to set up payment arrangements. They are charging me more than they stated they would charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: TN

Complaint narrative:
I graduated in XXXX XXXX with an initial student loan balance of $ XXXX. In XXXX XXXX I started paying my loans back through my servicer, Navient, on an XXXX payment plan. I was not notified by Navient that through this IBR plan that XXXX of my payments only went to interest and XXXX to the principal, and was also not notified that the 'capitalized interest ' during this timeframe of over $ 12XXXX was added to the principal balance of my loan. In XXXX of XXXX I put my loans in forbearance through Navient 's online system and was not adequately notified that accrued interest during forbearance would be added to the principal balance of my loan ( The only way I found out about this was due to an article I saw regarding the CFPB 's investigation of Navient ). My current loan balance is over $ 174XXXX - how is it possible that I have my loan balance is now XXXX high than it was when I started?! I want to fight this. There is no way I will ever get these paid down. These are not repayment options, these are money making schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why.

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