vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Attached is a full explanation of my issues with Bank of America concerning their putting me on a Trial Modification Program without me filing documents and clearly telling them I did not want to do a modification since it was rejected several years ago after 7 months, leaving me with a ruined credit report. After numerous telephone calls for 4 days I finally got them to a few days later to correct my information and remove me from the trial period. My concern it this should never have happened. They had no authority or permission and frankly continually made excuses. I did file with the state and then now with you. If this is happening to me, it is obviously happening to others. Please investigate and stop this continuous nonsense and I believe illegal process they force on people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX and have no home to live in because of BOA. 
In 2014 I was trick in to sale of my house, it was XXXX and very disappointing to experiences to learn on the day of the closing the BOA had canceled the sale, no reason given. 
Took all escrow money from me. 
The XXXX Real Estate Companies that was used to sale the house was dishonest and provided negative representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I keep getting phone calls about a debt that I do n't know the creditor. They have been calling my son, my niece, my daughter in law. All the numbers being called are non-published numbers. All who have no knowledge nor involvement with this debt collector, nor any of my dealings. They tell them that that is an important court matter that needs to be resolved in a threatening manner.. 
The number I get calls from is XXXX ( Municipal Services Corp ). or so they identify themselvesI have called that number telling them to stop calling me and my relatives to no avail. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was provided a new replacement credit card by my financial institution because the account information had been compromised. However, to my shock, they are still permitting the existing vendors ( with my old credit card information ) to continue charging me. When I asked them how the vendor got my new credit card information, the financial institution said that they provided the new account information to the vendors to make it convenient for the existing vendors with recurring charges to continue charging me. 

I said, does n't it defeat the purpose of providing the new credit card? They said, this is the bank policy. 

In this case, the financial institution is more concerned about the vendor than the consumer. 

They should be forced to change their policy.

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 2016-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I AM A XXXX VETERAN. I AM WRITEING THIS LETTER BECAUSE BANK OF AMERICA HAS ILLEGALLY MERGED XXXX DIFFENT EQUITY LINES OF CREDIT ON A HOUSE UP FOR SHORT SALE AND XXXX THE EQUITY LINES OF CREDIT BELONGS ENTIRELY ON A DIIFRENT HOUSE ONLY RELATION IS THEY BOTH HAVE IS THEY BOTH ARE OWNED BY BOA. THE LESSER AMOUNT IS ON XXXX XXXX XXXX XXXX, MICHIGAN XXXX. THE HOUSE GOING TO SHORT SALE BECAUSE ITS EQUITY LINE IS IN DEFAULT BECAUSE IT IS XXXX NOW {$65000.00} UPSIDE DOWN IS IS XXXX XXXX XXXX MICHIGAN XXXX. 
BANKS HAVE THAT MUCH POWER NOW. WOW. 
PLEASE HAVE THEM CORRECT THE PROBLEM.. THEY HAVE IT IN THEIR RECORDS THAT THE LESSER LOAN THAT IS NOT IN DEFALUT BELONGS TO A TOTALLY DIFFERENT ADDRESS WHICH IS XXXX XXXX XXXX, XXXX, MICHIGAN I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN. THEN THEY FORCED ME TO CHOSE BETWEEN SHORT SALE OR FORECLOSURE. I CHOSE SHORT SALE BECAUSE I DON.T WANT TO FILE BANKRUPTCY. I PAY MY BILLS. I HAD TO FIND THE REALTOR AND THE BUYER. THE BUYER IS ABLE TO BUY IT ON PENNIES ON THE DOLLAR AND I GOING TO RECIEVE A XXXX I HAVE TO CLAIM IT AS EARNED INCOME. AS MUCH AS IT HURTS.AND AS EMOTIOAL DRAINING AS IT HAS BEEN, I DID IT. NOW I FEEL I HAVE BEEN WRONGED AGAIN. I HAVE A FAMILY HOME THAT WE JUST LET FAMILY LIVE IN FOR FREE XXXX XXXX, XXXX, MI XXXX IT HAS A SMALL LINE OF CREDIT OF {$7000.00} I ESTABLISHED WITH XXXX WHEN I WAS AROUND XXXX OR XXXX YEARS OF AGE. I AM NOW XXXX. THE ACCT NUMBER ON XXXX XXXX HAS CHANGE SEVERAL TIMES THROUGH BANKS. 1 ST WAS WHEN XXXX PURCHASED IT FROM XXXX, 2ND WAS THEN BANK OF AMERICA PURCHASED IT FROM XXXX BANK. 3RD TIME WAS WHEN BOA WAS CHANGING ALL THERE ACCOUNTS IN 2007 THE ACCOUNT CHANGED AGAIN. XXXX XXXX ACCOUNT HAD XXXX ACCT NUMBERS THIS ACCOUNT IS SO OLD IT IS GRANDFATHER IN TO BEING A FOREVER REVOLVING LINE OF CREDIT. NOW BANK OF AMERICA IS TRYING TO TAKE XXXX OF MY HOUSES FOR THE PRICE OF XXXX. PREVENTING THE SHORT I AM UNABLE TO SHOW PROOF OF THE PAPER WORK BECAUSE MY HOUSE HAD A HOUSE FIRE AND I STORING A LOT OF MY PAPERWORK IN THE BASEMENT. SO I AM UNABLE TO PROVIDE THE INFORMATION FROM NEARLY 25 YEARS AGO. BUT IT IS HARD FOR ME TO BELIEVE THE HOUSE WHICH IS TO BE SHORT SALE ; XXXX XXXX XXXX MICHIGAN HAS MYSTERIOUSLY GOT A XXXX MORTAGE OF AN ENTIRE OTHER HOUSE XXXX XXXX XXXX MICHIGAN IS UBELIEVABLE. THIS IS WHY I GOT A LAWYER. IT WAS JUST THE WRONG ONE AND I CA N'T AFFORD ANOTHER ONE. THIS IS WHAT THE BANKS ARE DOING TO XXXX PEOPLE. THE BUYER WHO IS READY TO FLEA, I AM STILL RESPONSIBLE FOR THE WATER BILL AND TAXES. IT 'S JUST TOO MUCH. I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN.

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 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
Multiple daily calls ( 4-6/day ) entirely by automated device, all originating from what Caller ID says is XXXX. The automated message ( s ) claim they are from CBE Group and are seeking " XXXX. '' I have no intention of serving as an unpaid collector for CBE Group and am not physically capable of doing so. I also do not reward, aid or abet wrongdoing so I will not be assailing this person, discussing any of this with neighbors nor engaging in unlawful collection practices with this fly-by-night scam illegal automated caller. 
I do want the peace and privacy of my home back and am not legally obligated anywhere in the world to serve as a message center for persons who may ( or XXXX not ) live in my neighborhood but who definitely do not reside here or have any business whatsoever with me nor I with their finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for Bank of America XXXX XXXX Visa Signature card, which was prominently advertised as having a XXXX mile sign-up bonus and {$100.00} statement credit as incentives after {$1000.00} in spend on the card. I was informed that I was approved for the card, and at no point did they mention that I had actually been approved for a different product. Fast forward to me having met the spending requirements, and I find out I had actually been approved for the XXXX XXXX Visa Platinum card, which only offers a XXXX miles bonus and no statement credit. 

The physical appearance of the XXXX cards are nearly identical ( the only difference being a small word " signature '' or " platinum '' in the bottom-right corner ). The only mention that you might be considered for alternative products is buried deep in the fine print of the application ( I had to go find it after the fact ), and there is no way to opt out of consideration for the alternative product. I have never seen any similar process with any other major card issuer ( and I have had cards from XXXX, XXXX, and XXXX XXXX ). This feels like a deliberate bait-and-switch, and many other feel similarly, from reading online.

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 2015-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a small business checking account with Bank of America, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), BoA promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Bank of America customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states " Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Bank of America continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Bank of America seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went to XXXX University in which they were found guilty of fraud now I owe XXXX for nothing. Now I owe so much money they took advantage of me knowing that they were commiting fraud. I just do not understand why do I have to pay all of this back when I was unable to graduate because of life issues. They over charged on everything knowing what they were commiting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America closed my credit card account in error. On XXXX/XXXX/16 I inquired about an APR reduction on my credit card account as I had excellent payment history, a long-term established relationship with an account that is twelve years old, consistently increased income and credit score over the past several years. My request was declined but I requested to speak with a supervisor for a secondary review and was promised a call back within one to two business days. On XX/XX/2016 I received a call back from a supervisor regarding the XXXX reduction and was declined a second time. During the call I discovered my current card had expired in XX/XX/XXXX so at the end of the conversation with the supervisor I requested to close the card until I could locate the new card that was mailed to me. After failing to locate the new card I logged in to my account to see if there was an option to order a card with a new number. At that time I noticed my credit availability had disappeared on the screen so I called Bank of America and was informed that I had closed my account and they were not able to issue me a new card with a new number. I attempted to resolve the issue though several managers but was told that I must go through the credit approval process ( providing updated personal information as well as a potential inquiry into my credit report ) to reopen the card. I explained to several managers this situation that occurred and that this account had been closed in error. All representatives were unwilling to help and insisted that I go through the approval process which would possibly count as an inquiry on my credit report.

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 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a XXXX from Bank of America with cover stating " Important Opportunity Enclosed '' offering assistance on my loan modification, that offer requested that I contact XXXX XXXX by XXXX XXXX, XXXX to take advantage of the " proposed '' opportunity. I called XXXX XXXX at the telephone number on the letter approximately 5 times but her voice mail stated that she would return by XXXX/XXXX/XXXX ( XXXX day before my deadline of XX/XX/XXXX ) but no call back. I even called the number that XXXX XXXX left on her voicemail indicating that if I have an emergency to call ( XXXX ) XXXX but no one answered the line and after a few rings the line disconnected. What am I to do, when I call and get no answer??? 

I would like to discuss my particular situation with the bank but to not prevail. I always feel that I get a perpetual run around with Bank of America. 

I assume that they are contacting me because of my complaint filed with the CFPB regarding my being overcharged on my loan modification because of the bank 's dubious practice/tactics of shepherding me to foreclosure by intentionally denying me a loan modification from the very beginning when I first applied in XX/XX/XXXX. Now I am being charged over {$180000.00} in additional costs because of the bank 's tactics of denying and then adding on more and more costs. I am being charged for their tactics. Now I can not get in touch with the banks representative, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased my home in XXXX, 2008 based on a monthly income of $ 5,000+ per month, with the express prayer to JEHOVAH GOD AMIGHTY that my children would not end up homeless, always having a place to call home. After forced early retirement in order to maintain my health and sanity, I attempted to get my FHA home loan modified with Bank of America to whom Countrywide had sold my loan. Bank of America promised a modification only to give me payments of {$1700.00} per month at 5 % ( taxes and insurance included ) which was more than my monthly payment before the " modification '' which went from approximately {$1700.00} ( taxes and insurance included ). Surely someone must have gotten a good laugh! ) .Bank of America then sold my home to XXXX. While in the midst of attempting to get a permanent home loan modification, I asked members of our regular Friday night Bible study to pray for me because if I did not get a permanent modification I could lose my home. A brother who attended the Bible study asked me to bring him all the paperwork concerning my home, and I did. The following week, brother XXXX said, " Sister XXXX, I promise you will not lose your home. '' He explained that he and his partners did what one calls " home flipping. '' He said his partners would buy my home and then sell it back to me at a price that I could afford. I did ALL that was asked of me and gave ALL papers concerning my home. They purchased my home then evicted my XXXX daughter and myself. Temporary mailing address I XXXX XXXX XXXX, XXXX, TX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently.

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