vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am victim of ID Theft. I have notified my craditor which is Bank of America, cash rewards platinum visa credit card and made sure all the documents were sent in properly through certified mail. I have been authorized the n payments of XXXX dollars in month of XXXX, XXXX and XXXX which was posted to my account as of now ending in XXXX. I made sure I check with the bank after 8 days to make sure thry have revived the payments and they confirmed. Then suddenly thr funds were transferred back to unknown or old account whixh was closed due to IDTheft. Since then I have asked them to send me a new card and they have held my card up. They have said they sent XXXX cards but I have inquired about both of those which they never mailed out to me. Then I was told that if was waiting approval bur for what? I have been member since 2009 and had a excellent payment history. Holding my credit card whixh was made avai to me is a credit discrimination with the IDTheft victim. I was then told you will revive your card in 3 to 7 Bussiness days but never recited it. I am constantly paying the payments on the card on date we both agreed upon but I am not having the previalage to have my card avail for me to use. This is no coincidence that once I had disputed those amounts and pointed out lack of communication within department and how security of a member is been secured their authenticity is challenged. On order to defend their respective concerns they have held my card so I ca n't use or make future references which can make their side look bad. I would love to sue them for not sending my card and violating my rights as they ca n't just cancel or take my card once I am I 'd theft victim and then I have excellent paayent history. Thus they have to reimburse me for the discomfort thry have caused me by doing such actions.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
INCORRECTLY CONTRIBUTED FALSE & FRAUDELENT INFORMATION BANK OF AMERICA NA BANK OF AMERICA incorrectly closed my checking account under inaccurate & false pretenses despite reporting unauthorized transactions being made on my account to a representative. As a result Bank Of America closed my account for cause instead of properly handling my fraud claim. Furthermore, future attempts to follow up on such issue has been mediocre and disregarded by the bank. Not only did they disregard or not properly handle my fraud claim, they proceeded to allow the unauthorized account access & transactions to be posted to my account. On top of that, Bank of America did not allow me to visit a branch or speak to representative in person without assessing a fee for such a service, which is extremely unfair. Despite the unauthorized use of my account and being victimized by fraud, bank of America proceeded to close my account right away with a loss which I ended up paying for being deceived by a representative that it would correct the issue. This was not the case, and bank of America and its employees refused to disclose to me information about my account, including the reason for closure & failed to investigate the situation properly. I did not find out the reason until I was researching my consumer reports. This type of behavior is unfair, deceptive and predatory. It is my belief that bank of America acted in an unlawful way when closing my account in reference to UDAAP & also discriminated against me for my gender, age, race and income which has injured me financially and economically.

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 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received notices from Bank of America that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Bank of America. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of BoA, informed me that my SSN was used to open these accounts. I am a victim of identity theft.

Company public response: Company 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: SC

Complaint narrative:
I was being over charged on my loans for years. After finding out i did n't know what. Else to do. Come to find out Navient was the blame. So I 've been trying to find away to pay this back. I 've been unemployed so it 's been very difficult for me. I need help with my next step. Now i ca n't apply for anything else because of it going into default. I went to Itt-tech here in XXXX North Carolina. Just recently. Found out about the situation. I really need help on what to do next because I 'm trying for school Now and having a very difficult time with Navient on my student loans. I dont think it 's right for a company to get over and crush peoples dreams pr careers that they are trying to pursue.. My loans we 're over XXXX dollars and i am lost on the next step that needs to be taken ... ... ... ... ... ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: DE

Complaint narrative:
I currently have XXXX consolidation student loans serviced by Navient. Once I entered my principal and interest repayment period my payment amount is {$320.00} for the next 20 years. On XXXX XXXX, 2016 I received an email from Navient informing me that the payment term for my loan has changed. The email then gave a list of XXXX possible reasons for the change in the amount. The new payment amount {$330.00}. This change represents an increase of {$3400.00} over the remaining life of the loan. I called Navient on XXXX XXXX and XXXX XXXX to understand what has caused the change in the payment terms since is was not easily understood. The agents and the supervisor could not adequately explain the reason for the payment change. My loan has been on automatic payments for a least past 5 years and my loan is not past due. My interest rate is fixed and the rate has not changed. A subsequent notice indicated that there is unpaid Interest of {$20.00}. As a result the unpaid interest is not capitalized is used to recalculate the new monthly payment. This {$20.00} will now cost {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?

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

Complaint narrative:
I did not understand the interest on the balance, my account is in deferment because I am still in school but my account is stating I have to start making payments in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I was contacted by Navient a month ago and told my loan payments were in default and I needed to pay {$1000.00}. I told the woman on the phone that I had not received anything from them previously. When she gave me the contact information they had on file, it was an address that I had n't lived at in over 10 years. I said I did n't have that kind of money sitting around and I felt that I should 've known about the payments before they were late. She then became threatening about my credit and disregarded the fact they had the wrong contact information. My husband was in the XXXX and the address they had was our duty station in XXXX. He was XXXX XXXX and we now live in XXXX. We had to file bankruptcy and I did not know I had a payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 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 claims the modification document states that the loan payments must be paid in the month for three months. The documents do not state that they can not be paid early, paid all at once or define how the payments should be made other than XXXX payments for XXXX, XXXX, XXXX. XXXX XXXX went as far to say on a recorded call that they should be made on the first of each month. I have now paid XXXX payments and am going to make my XXXX to be sure the modification goes through. I have attached my back up documentation.

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 2016-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have kept in touch with my lender over the span of my loans. Recently, my lender has reported XXXX late payments for the months of XXXX XXXX, XXXX XXXX. These alleged late payments are also being reported negatively to the credit bureaus, when in fact I have requested before these reports that a forbearance be granted due to the fact that I have been enrolled in education towards my professional development as well as in the teaching profession since XXXX. According to the Office of the XXXX, if I am performing XXXX, and have been active in my professional development, I qualify for a mandatory forbearance. I have called my lender throughout the years to advise them of my XXXX status in a high need area while being a highly qualified XXXX. They have neglected to report my account accordingly, even though I have communicated to them about this error, they insist on not retracting these late payments that should have been under forbearance. As I pursue my options for repayment, the delinquent reporting is hindering my progress to pay off these loans satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 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: CL Holdings LLC
State: MO

Complaint narrative:
I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of an Illegal Debt Collection Lawsuit Mill owned and operated by XXXX XXXX XXXX XXXX XXXX, a Georgia-based law firm. From what I can tell, apparently XXXX XXXX XXXX XXXX XXXX take care of all the legal proceedings for XXXX XXXX, a company that purchased my credit card debt from XXXX, in the amount of {$3500.00}. 

Back in XXXX, I went through a financial hardship, and was having difficulties maintaining my mortgage payment and keeping up with credit card debt. I had no choice but to walk away from our home and all debt. As a consequence for my financial irresponsibility, my credit score dropped all the way down to XXXX and stayed there for over 7 years, making it very hard for my wife and I to purchase things like automobiles, a new home, or get any type of new credit. 

At the XXXX, nearly 7 years later, most of that bad debt started to drop off of my credit report as a result of the Fair Credit Reporting Act ( FCRA ) rules and regulations. Through secure credit cards and other means my credit score started to improve ( XXXX ). 

Then in XXXX XXXX, while logging into my credit monitoring account ( XXXX ), I noticed that my credit score had dropped significantly. It was the result of a new default judgement showing up as a public record. Here are the details of this judgement : Date Filed : XXXX/XXXX/XXXX Reference # : XXXX Court : XXXX CO Magistrate Plaintiff : XXXX XXXX XXXX Amount : {$3400.00} I was never given notice of this lawsuit, nor was I ever served. I believe this debt had already exceeded the statute of limitations from the date of last activity ( DLA ). Yet, it is not haunting me, and preventing me from purchasing a new home many years later. 

I also found this article published on your site related to the the unethical business practices used by XXXX XXXX XXXX XXXX XXXX, in attempt to make financial gains, through the use of questionable default judgements, at the expense of their victims. 

http : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-stop-illegal-debt-collection-lawsuit-mill/

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 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America ( BoA ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and " overdraft protection '' was applied from my savings, along with an " overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. BoA is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted BoA several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees.

Company public response: Company 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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have Navient, which is being sued by you all I heard. If you want my voice heard, you will hear it cause I cant seem to pay off this college loan that I have. I completed my XXXX with the University XXXX XXXX online program! I currently owe about {$16000.00} more dollars, but now it keeps going up and never down. I called Navient cause I have never missed a payment. However, cause I was paying {$260.00} a month, the interest which is about 8 % does not cover what I actually owe. In other words, Navient said in order for my loan to go down, i would need to pay {$500.00} a month. I cant afford that and I am drowning trying to pay off my other bills that I have all the while, the interest keeps building. The other problem is that i had my loans consolidated and they said because of that, its a fixed interest rate which I will have till I pay off this loan. There is absolutely nothing they can do to help this loan go away. They said there are no options for me. I can pay less, but if I pay less, the more I owe in interest! There is no way to change that. I have been with about XXXX other loan companies before Navient cause something happened to each company and were bought out by another company and have paid on this loan since 2012 I believe. From the beginning my loans were consolidated, but was never told especially now with Navient what my options were. As soon as Navient took over, i was not told what my options were, or if I could change anything to make it easier to pay off my loans. I feel cheated by Navient and the last few companies I dealt with. Also the University XXXX XXXX is a fraud! They use sales tactics to get you hooked in to enrolling you into college and use pressure with the loan comapnies. I regret ever going to college! They hooked me up with XXXX XXXX and that was the biggest mistake I ever made. I was given bad information by the university XXXX which led to XXXX XXXX which provided me with bad information and I feel cheated and deceived, and now that Navient took over, I feel no different! Now I am paying {$170.00} a month, and I am back up paying what was once lowered. I need help! I feel stuck and frustrated cause I am not able to pay off this loan that could have been paid off had it not been for the stupid interest rate! I feel for everyone else who is struggling! I thank you CFPB for this lawsuit on behalf of all of us who are struggling. Keep me informed about this lawsuit, how I can be part of it, and if this is a win, how I may get some financial relief from it! I tell people now, go to XXXX college and learn a trade or skill such as XXXX., dont go to learn and get a degree with no skill or trade! Its a waste of money and you will end up regretting it as I have with nothing to show for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I was contacted by a mortgage broker that works for the company where I got a mortgage original mortgage approximately 20months ago. He asked if I was interested in refinancing to lower my payment. I told him that I really had n't thought about it because it had n't even been 24 months since my original loan. He asked if I wanted him to run the numbers and get back to me if it seemed possible. I told him that would be ok but I was n't signing anything. A couple days later I was alerted by XXXX that my credit had been run by this person. I never gave him permission to do that and when I confronted him regarding this, his reply was, well how else would I run the numbers. He said he pulled my file from the company database. I 'll repeat myself, I never gave him my social security number and I never gave him permission to run my credit and I am extremely upset about this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation