vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Bank of America. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even " robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase Slate card late last year. 
I 've been paying 3-4 times the amount due each month. The last two months I rec 'd notice ( in an email and text ) that my payment was due. When this happened to me this past month I decided to sign on to their app to make sure I had actually paid. I found that I had made the following payments ... XXXX XXXX {$60.00}, XXXX XXXX {$200.00}, XXXX XXXX {$130.00}, XXXX XXXX {$200.00}, XXXX XXXX {$300.00}, XXXX XXXX {$100.00} AND I had XXXX late charges ( XXXX XXXX {$25.00}, XXXX XXXX {$35.00} and XXXX XXXX {$35.00} ). When I called to find out what was going on and to see if I could have these late charges waived, I was told they could waive XXXX and that the late charges were occurring b/c I was paying too EARLY! They claimed I had made my payment before the new cycle had opened. After speaking with a supervisor and getting all XXXX late charges credited back, I made sure that my next payment did not get to them TOO early ( I sent {$200.00} on XXXX XXXX ). I also told them that this was a sneaky way of making money. Responsible people may WANT to pay their bills early and should not be penalized. 
I work for XXXX as a XXXX and know good and well they have the capability to look back to a prior month to check for early payments. This really needs to be looked into as I feel they are taking advantage of honest people who want to pay their bills on time. 

( Someone also needs to check this text box. When I type, only XXXX characters appear on each line. The rest may appear once I submit but they disappear on your web page. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Bank of America ) and the XXXX XXXX County Sheriffs office. Bank of America originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Bank of America has reversed the credit given to me for the fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 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: PA

Complaint narrative:
I owe about XXXX in private student loans. I am XXXX years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying XXXX in private loans and XXXX in federal. I 've called many different Places with no help. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A merchant tried crediting me back for {$1500.00} in XXXX XXXX for a payment I made with a old debit card in XXXX XXXX. This credit never posted to my bank account because Bank of America can find no record of this card in my name. However, I have receipt from merchant showing I paid with the said debit card and a matching bank statement showing the charge on that card went against my bank account. I also have email from Bank of America bank in XXXX where they are informing me they are disconnecting this card do to security concern. Even with all of this clear cut information, Bank of America still denies I had that card. The merchant ( XXXX ) has provided receipts and their bank statements with trace numbers to try in find out where the funds are now since it did not return to them. I have been going at this for 3 weeks now and no one at Bank of America will look into where the funds actually are now. It should be easily traceable with the trace number to solve the issue. Why can no one tell me where the funds are now to solve the issue? Please help. 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 non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am a co-signer on a private loan my son has. It went into default, I was never notified about the default, no calls no mail until a XXXX Envelope this date. Three months and NAVIENT reported her late and in default. How can they do this without contacting her to cure the problem. This totally killed our refinance we are working on for our home. I talked to a Rep at NAVIENT and he told me to write to them to get this corrected. That will take us into XXXX, The loan as of this date was made current by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: FL

Complaint narrative:
I received my XXXX from XXXX XXXX in XX/XX/2012 and it cost me over XXXX. Based on the current CFPD lawsuit against XXXX for predatory lending, I feel I have a legitimate complaint. I would like my loan discharged or made reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had made my car payment on XXXX XXXX, 2015 in cash by visiting the Bank of America branch. 
I got a phone call approximately one week after the phone call from the Bank of America and the person asked me when I would make the next payment and I assured her the next payment will be made within 30 days. About a month pror to that I had talked to a BoA rep and he said my car was up for possession if I did not make a payment and I immediately rushed to make the payment. 
The reason I got behind in making my payment was medical conditions and accompanying diffculty in landing a job. 
On XXXX XXXX, Sunday, late at night I get a call asking me if I was XXXX XXXX, I said yes and the person responded he has my car. I was confused what was happening. 
I called BoA XXXX XXXX on their customer service number and they gave me another number XXXX to call at XXXX .When I called that number the voice machine said I should call XXXX. When I called that number they gave me a XXXX number XXXX, option XXXX to call. I was harshly told that the documents were not ready.I again called later and they said the document will come by evening. I called them after XXXX and they finally gave me the number to call XXXX where a machine said the office hours are until XXXX. 
When the XXXX XXXX came to literally steal the car night of XXXX XXXX it was like a nightmare because I had made a payment XXXX days ago and spoke with the BoA person XXXX days ago. I was even willing to call the police and the recovery guy said he would call it himself and so as not to make a scene in the working class neighborhood I let the matter go. He asked me to remove my stuffs I complied. He asked me to give keys and I complied. I did tell him that this entire thing made me feel like I am in XXXX XXXX, meaning a lawless jungle. 
I lost my daily wages XXXX XXXX, 2015 because I could not go to work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a " credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Bank of America has not contacted the merchant as requested and Bank of America refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I sent a principal payment only check of {$5000.00} to Bank of America on XXXX/XXXX/2010. 
The " Principal Payment Only '' was written on the check. When I went to refinance last year, I checked on the payment and Bank of America never applied it correctly as I requested. I do not have a record of the check. The {$5000.00} payment was made XXXX day after the regular mortagage payment. Bank of America is stating without proof of the check stating it was a principal payment only, they can apply the payment as they wish.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
My drivers license, social security card, and other personal documents were stolen from me in 2012. As a result, a fraudulent account was opened in my name and there is an attempt to collect on it from Syndicated Office Systems. I have contacted the collector and provided them with police documents and fraud affidavit. They referred me back to XXXX XXXX XXXX - the original creditor. After months of me contacting XXXX XXXX XXXX and receiving conflicting information that they can not provide me with any documentation as to the validity of this debt, I keep transferring my calls back to Syndicated Office Systems who apparently are reviewing this account, but they have been reviewing it now for about 2 months and have they had any documentation proving that this in fact is my account and not an account resulting from an identity fraud, they would have provided me with that documentation or at the minimum, they would have provided me with the progress of their investigation. Syndicated Office Systems and XXXX XXXX XXXX are violating my consumer right by reporting false and fraudulent information on me to credit reporting 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 2016-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: GA

Complaint narrative:
The company in question has contacted me several times to repay a debt. I am currently finishing XXXX studies through an extension from an illness that I sustained when I was enrolled in the XX/XX/2015. I am not presently enrolled, though I have been granted academic permission to continue my coursework as would any student who is actively enrolled. 

In the past, I was granted a deferment/forbearance status by this company when not actively enrolled in classes. This time, they have decided to pursue aggressively a debt repayment on the basis that I was reported by the school as being no longer enrolled. The school and the lender both are having difficulties with communications between themselves regarding the issue -- something that I have personally intercepted with the intention of resolving this issue. 

I have disregarded the lenders contacts on the basis of my history with Great Lakes. I applied for a deferment and/or forbearance in the past several times with Great Lakes and was granted them without delay both over the phone and on the Internet. 

This time around, I applied again and was granted a deferment/forbearance on every loan except for this one, which was locked/frozen, meaning I could not request the same deferment/forbearance that l had requested successfully and without problems in the past. The lender has after several attempts finally emailed my personal email account without a description in the body of my email address -- only included is the sender 's email and contact information. 

I find these practices to be extremely fishy, unwarranted and demonstrative of the use of loopholes for the collection of debt without regard for academic circumstances. I base the reasoning for this complaint on my past experience with these particular companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Adjustments Inc
State: MI

Complaint narrative:
Need debt verified or removed from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now " interest free. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: MD

Complaint narrative:
Great Lakes is reporting to credit bureaus past due 120 days and it 's keeping me from getting a mortgage loan ( buying my home ) I have been paying on time since I have been employed ( I lost my job and could pay that 's what caused delinquency ) I requested in good will for the derogatory old remarks to be deleted. To date they report. Please help the loan is transferred/closed and I 'm paying through my fed loan servicing because I 'm now a federal employee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.

Company response to consumer: Closed with monetary relief