vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I paid for medical services with my credit card ( XXXX XXXX XXXX Signature card ). At the time of payment, The Hospital offered a 20 % discount off the bill if the bill was paid before my wife left the hospital. I paid the bill which was {$910.00} ( {$1100.00} minus XXXX % ). Insurance covered more than what The Hospital had calculated because my wife met the out of pocket maximum, so I overpaid. I contacted The Hospital providing all the calculations and how they owed me {$250.00} as a result of the over payment ( actual bill was {$830.00} minus 20 % or {$660.00} XXXX {$660.00} minus {$910.00} is {$250.00}. The Hospital refused to offer a refund so I immediately contacted my credit card to dispute the overcharge. I provided all the necessary information that Bank of America requested in a timely manner, well under the 120 days required by law. Bank of America sat on the request and did nothing. They gave me a case number ( XXXX ), but did absolutely nothing. They did not contact The Hospital ; they did not contact me for clarification ; they did not explain anything in terms of why they would not resolve the case. They just sent me a letter saying it was too late. Bank of America did not do its fiduciary responsibility of investigating the dispute. 
This all happened over many months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Borrowed {$5000.00} for college and have been paying on the loan since XXXX and now in XXXX still owe {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX/XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from Delaware either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.

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
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am having a very difficult time with Bank of America. I am trying to avoid a foreclosure. The problem that I 'm having is I can not communicate with anyone from BofA to get any status or information on my modification review. When I call in and type in my loan number it goes to voicemail # XXXX. It 's does not seemed to be an assigned voicemail. When I leave a voicemail nobody calls back. I 've called several different departments and they say only the assigned rep can give me an update. I do n't know if there is an actual assigned rep. I 'm very concerned. It seems my file is lost in the dysfunctional BofA system.

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 2016-09-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
Both my wife and I have a credit card with Bank of America. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.

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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA XXXX - The balance on this account should be reporting as ZERO! On my credit file, they are reporting inaccurate information regards to this account. I 've attached proof of the Cancellation of Debt as well as my tax filing paperwork. I 've sent demand letters to Bank of America and have yet to receive any response. This error is preventing me from getting the credit I deserve. Correct the error immediately or delete this account off my credit file!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I reached an agreement with NAVIENT and madepayment arrangements. I have FULLY compliedand paid as agreed for many years now. However, they continue to report me as making late payments. 
This is negatively affecting my credit. Because I ampunctually paying as agreed, I believe I should NOTbe reported NEGATIVELY on my credit reports. 
My school was XXXX XXXX University XXXX. XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient ignored my complaints when asking for documentation in reference to payments that I had made. They also made it impossible when trying to apply for a forbearance, when I fell on hard times and could no longer make my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TENET HEALTHCARE CORPORATION
State: CO

Complaint narrative:
According to my credit report, I have a paid account opened under Central Financial Control. This account was paid and is listed as, " PAID COLLECTION '', but says it will not be removed until XX/XX/2020. This account was paid and needs to be removed completely from my credit report. The collection agency has failed to remove this paid account and it is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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: NC

Complaint narrative:
Navient failed to notify me twice about renewing my repayment plan. I got a notice on XX/XX/2016 through email saying that I have a new document to be viewed. This email did not specify what kind of document it was. 3 months later on XX/XX/2016 I saw that my interest was capitalized and it was way overdue to renew my repayment plan I was able to submit my renewal for a resumption of my income based repayment, but Navient refused to removed the capitalized interest even technically I have not changed my plan. In addition, Navient failed to notify me twice, as required by Department of Education, to renew my plan. I hope that CFPB can help me with this situation as Navient entices customers to have email notices as a form of communication, but fails to provide what information the notice it contains ( most of the communication are the payments and monthly bill ). It is a setup for consumers to miss important notices such as renewal of their repayment plan. In addition, Navient failed to notify me twice about renewal of my repayment plan. The Department of Education requires loan servicers to notify borrowers twice about renewing their plan. I only received one notice about this and it was solely missed because of the above situation. Finally, Navient is a company whose sole drive is to make money for its stockholders and I believe that they are finding loopholes in the current system to increase payments by borrowers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is incorrectly reporting derogatory information about a HELOC account that I had with them XX/XX/XXXX. Bank of America is reporting that I had a bankruptcy in XX/XX/XXXX which is NOT TRUE ; furthermore, this loan was never late or behind as proven by Bank of America 's own history of this loan provided to me ; therefore they have no right to report this as a derogatory item. They should be penalized for this because this incorrect reporting is hindering me from securing a loan. I am enclosing a copy of a letter that I sent BOA with detail explanation of the issue and supporting 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 2016-05-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Because my previous interaction with Bank of America had not resulted in my account being closed, or my interest rate being lowered, I decided to attempt to use the card today. It was again declined. I checked my account on the web and it had again flagged transactions to places I had previously used the card, as fraudulent. I verified they were my charges, and the website said that the card was fine and usable. I tried again and it was declined. To recap my previous complaint, I am XXXX and do not use a voice telephone or XXXX. I again informed BoA of this via chat. Once again, I was told via chat that I needed to use the telephone. Once again, I had to escalate to a supervisor. The supervisor reiterated that I must use the telephone in order to find out why my card was declined. When I again said I do not use a voice telephone due to XXXX, he asked me why. Of course, this is protected health information. I requested the account be closed, and the supervisor closed the account. This, despite my wasting hours of my time the day before, attempting to close the account, and told that I could not do so via chat. 

Bank of America 's discrimination against the XXXX is blatant and harmful. I wasted several hours of my time because they refused to provide the same services to me in anywhere close to the same timeframe as they would provide to a non-disabled person. The first supervisor claimed it was not possible. The second supervisor the next day completed the task that the first supervisor asserted adamantly that I needed to use a voice telephone to complete. 

Had I not persisted, I would still be having the same difficulty. As this is going to Bank of America, I have a message for them : DO NOT CALL ME! I have a cell phone ONLY for emergencies, as it causes me physical pain to answer and converse on a telephone. You have been told this on MANY occasions, yet you called me once yesterday, and once today. STOP!

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 2016-11-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Consumer Financial Protection Bureau assisted me with complaint Transaction ID : XXXX back in 2013 due to Bank of America not cooperating with a re-finance request. 
I am now writing due to the fact that after the completion of my divorce the house was awarded to me and is current. After the divorce I had to file bankruptcy due to bills that were accumulated by my ex-wife and she was not required to pay them back due to full XXXX. My complaint with Bank of America is that they will not discuss allowing me to refinance or take advantage of any of the HARP programs because the loan is privately held. Per court order I am required to refinance and remove XXXX XXXX from the title. BofA did allow me to submit an Assumption ( Request Consent to Add/Remove Family Member from Deed/Title ( approved per BofA ). I need assistance pursuing my need to re-finance my home as this is very stressful to be stuck in a situation where I am paying my mortgage and feel vulnerable to the bank.

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 2015-04-27 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:
Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am absolutely certain that my rights have been violated by Navient on more than one occasion. From the harassing phone calls, to the erroneous late payment notices, practically being forced to go on forbearance in order to try and prevent reporting to the credit bureaus. I would greatly appreciate some help looking into my accounts and history of my relationship with Navient. I am more than confident you will find several occurrences in which they have violated the law. 
I look forward to hearing back from you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have had a reoccurring issue with Navient. Started about a year ago when I suddenly started receiving a bill. I called to check on the bill and was told the bill did not need to be paid because my co-signer was filing for bankruptcy. When asked why I had not received notification of what was going on, I was told by law they did n't have to reveal anything. This all happened while the loan was building interest. I started to pay my bill and got the inflated bill caught up. Around XXXX 2015, no bill came. This continued for about 3 months. I finally was able to log into my account and found out my bill was 3 months past due. I called Navient on XXXX XXXX, 2015 to discuss the issue. They validated my mailing address and phone number. When asked why bills stops, they stated the bills were always coming and the issue was with the Postal service. When further asked why I had not received phone calls regarding late billing, the response was that the phone number was not validated. My current address has not changed in almost 5 years and current phone number has not changed in over XXXX. I spoke with a regular employee and manager. I was badged by the manager who stated, " you know when the bill comes, just pay it. '' When continuously stating that I have not received anything regarding a bill by phone nor mail, the issue was never with the company. I asked if there was a way to correct the issue and get the late fees and penalties removed and was told no. Since this conversation, I have checked with the Postal service. Their statement was, " why would delivery every piece of mail except XXXX? '' The employee is willing to write me a formal letter stating that they have delivered all mail. Also since my conversation with Navient, I now am receiving my bill that had quit coming for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Re : Complaint against Bank of America/XXXX XXXX XXXX over their administration of our home mortgageOur mortgage loan is held by Bank of America and is serviced by XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, CO. These financial institutions have repeatedly violated consumer and banking statutes in dealing with us for the following reasons : I. Back in XXXX, XXXX, a non-profit organization, did broker our loan modification with Bank of America ( BoA ) when BoA was also our loan 's servicer. We did strictly honor the modification agreement, but in XXXX XXXX dishonored it for no reason without advanced notice and compelled us to pay {$24000.00} in a lump sum or else we would face foreclosure. In the summer of XXXX, my husband withdrew funds from his IRA to pay the {$24000.00} alleged arrears in order to stop the threatened foreclosure and improve our credit so that we could seek a loan modification or refinance with another lender. We incurred a huge tax bill partly due to the early withdrawal from the retirement account. 
XXXX. Separately, we believe BoA acted in bad faith when it started processing our loan modification request back in XXXX when it was still our loan servicer. But midway through the review process, it transferred our loan to XXXX and XXXX suddenly stopped the modification process without citing any reason at all. 
XXXX. On almost all occasions we mail our loan payments by certified mail to the attention of XXXX XXXX, the CEO of XXXX in XXXX XXXX, CO, however, XXXX fails to timely docket our payments until the grace period lapses and we are charged interest, which again adversely affects my credit score. Once we even sought to fix this situation by sending the payment directly the XXXX XXXX in XXXX, GA and that payment was never posted and the check was never returned to us. We sent a XXXX payment by certified mail which was received, but it was late and we were again subjected to a {$72.00} late charge in XXXX. 
XXXX. On numerous occasions we have requested the history of all our loan payments from the inception of the loan, but BoA/XXXX have never sent it to us and that is a violation of the Truth-In-Lending Act because we are entitled to such statements by right as consumers/borrowers. 
Despite all this, our account is up to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have concerns regarding the authenticity and amount owed on my student loans. I would like the amount to be verified because I am concerned that regarding the recent alligations against Navient. There have been several lenders " servicing, buying and selling of my loans so I would like my current servicer, Navient to verify the balances. I would like these loans removed if they can not be accurately verified. These loans originated at XXXX XXXX University, and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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:
Navient put all of my loans into forbearance even after approving my income-based repayment plan. They are claiming I authorized this forbearance in XXXX 2014 in a phone call on XXXX XXXX, 2014 at XXXX XXXX and that they will not provide me with the recording of this phone call without a " court order. '' I would like to call into question this forbearance and hear this recording.

Company response to consumer: Closed with explanation