vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Well, I have filed a compliant against Bank Of America and the Bank issued a responsewhich I did not accept, since it is improper and requires a detail analysis to convinceme or the CFPB. I paid a total of {$1600.00} to date and the Bank gave me a credit of only {$370.00} out of the original balance of {$2000.00}, Pleas find the attached payment historyfiltered from online XXXX Payment database and also compare the response the BankOf America wrote me, ( since the file size was too large I could not upload it ) so please request a copy from Bank Of AmericaI think the Bank is still did not want to accept a wrong doings of an amount that is $ {$1200.00} which should be returned to my account. 
Therefore I demand The CFPB, to request back full return of My money, Restore mycredit History, Which I could not refinance as a result my home Mortgage and I alsowant CFPB to Forward this case to a civil Right lawsuit lawyer and Federal agencyto file a lawsuit against the bank to get me proper all possible compensation and alsoopen a selected and relevant case of other consumers regarding Credit and MortgageImproper handling and gaining unfair and Unlawful advantage, and also I kindly want to inform you that my credit score of XXXX were loweredfrom XXXX to XXXX which made Harder to get my Home Mortgage Refinance very HardAfter my complaint, and so please conduct a sample studyof Credit Bureau of a possible of giving Unfair advantage of credit and Mortgage to aspecific banks in some cases as well!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submit a complaint against BOA through CFPB ( Case number : XXXX ). BOA has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my BOA account closed and I submitted a copy of the police report to BOA stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against BOA, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called BOA asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because BOA has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to BOA to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue BOA. BOA file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties BOA and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. BOA and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? BOA need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by BOA and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.

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 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My ex-husband applied for a loan modification with Bank of America ( BofA ), while we were in divorce proceedings but still legally married, with the hired assistance of XXXX XXXX and XXXX XXXX of the now-defunct XXXX company in XXXX XXXX. XXXX and/or XXXX forged my financial information and my signature on the BofA loan modification application WITHOUT my knowledge or consent. Along with the application, a court transcript of a divorce settlement was provided to BofA by XXXX XXXX ( ex-husband ) and/or XXXX representatives who represented to BofA that it was a final divorce judgment, which it WAS NOT. BofA accepted this court transcript as a divorce judgment despite there being no official court filing stamp or documentation to substantiate the paperwork. BofA approved the loan modification based on this falsified information and permitted ONLY XXXX XXXX to sign the loan documents even though my name was on the previous mortgage as well as the new loan modification mortgage. I learned about the loan modification after it was approved. I contacted BofA on several occasions to ask how they could only allow XXXX XXXX 's signature when we were not divorced and since my name was on the loan. They claimed that they " thought '' they had a divorce judgment ( decree ) in their possession, even though the requisite court filing stamps, etc. were not on any of the divorce settlement documentation they had received. Bank of America was made fully aware after XXXX XXXX secured the loan modification that it was obtained with falsified and erroneous information, and submitted under penalty of perjury. 
Bank of America 's policy of only permitting one signatory on any loan that is held by TWO individuals is a violation of law. Bank of America 's Loan Modification website clearly states, " All borrowers on your loan agree to participate. '' Bank of America failed to adhere to its own policies. The forgery component is clearly against the law, and BofA 's knowledge of this and unwillingness to take corrective action is reprehensible. It begs the question, 'If BofA believed that we were divorced, and that XXXX XXXX was receiving this [ XXXX XXXX XXXX, XXXX , CA ] property in the settlement as stated in the XX/XX/XXXX court transcript, then why did n't BofA redraft the loan modification documents to reflect XXXX XXXX " ownership? ''

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 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: IL

Complaint narrative:
After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 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: SC

Complaint narrative:
My daughter died on XXXX XXXX, 2009. She had a private loan through what was then XXXX XXXX which is now Navient. Her loan was switched to my name without me being contacted. Every month, {$96.00} is being deducted from my back account. Upon co-signing for the loan, it was my understanding that I would only be held responsible for repayment of the loan in the event that my daughter defaulted on the loan. My daughter never defaulted on the loan prior to her death. Due to the fact that she died and never defaulted on her loan, I should not be held responsible for the repayment of this loan and this loan should be forgiven because of the death of my daughter. I have made several attempts to contact Navient regarding this matter and I have never gotten a response. I would like to be contacted by Navient to discuss the reimbursement of my funds and the possibility of loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We are in the process of doing a short sale with Bank of america. We have submitted all paperwork and understood because it was a VA loan that it had to be denied for a loan modification before are offer for a short sale could be considered. I have recently moved out with my significant other and our baby girl and have been maintaining the property and our realtor had the lockbox on the door in order to show the property to potential back up offers for a short sale. Bank of America sent safe guard properties into the and drilled out all the locks on the doors and replaced them with their own, they damaged the front screen door, and posted signs all over the house. It has greatly diminished the value of the home and the look of the property. They are making us jump through all sorts of hoops now to get keys to the property and will not return the lockbox they destroyed or provide compensation for it and the screen door they broke. The bank is saying they have every right to enter the premises and do what they did, which is completely illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i bought a XXXX on XXXX i wired XXXX to XXXX XXXX IN XXXX I TOLD HIM I WOULD PAY THE OTHER XXXX IN PERSON I WIRED THE MONEY THAT AFTERNOON AND LEFT TO XXXX AT XXXX THAT MORNING. XXXX CALL ME AT XXXX WHEN I WAS ALMOST THERE TO THE ADDRESS WITH THE TRUCK DRIVER AND SAID HE HAD TO GO TO XXXX ON ANOTHER MATTER SO XXXX COULDNT BE THERE SO I CALL MY BANK TO STOP TRANSFER UNDER A FRAUD AND CALLED THE XXXX STATE POLICE TO HOLD ACCOUNT MAX FROM THE XXXX STATE POLICE SEIZED THE TRANSACTION AND XXXX SAID THEY NEVER GOT TO YOUR MONEY AT BANK OF AMERICA AND THAT THE MONEY WENT TO XXXX BANK OF AMERICA SO THROUGH ALL THE FORMS XXXX XXXX XXXX XXXX FILED WITH BANK OF AMERICA IN HOLD HARMLESS I WAS TOLD I WOULD HAVE MY MONEY XX/XX/2016 AS OF NOW STILL NO MONEY AND THERE STILL NOT DONE.

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 2015-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I recently got almost XXXX taken from my checking account from a 3rd party global collection from Bank of America.. They said it was. " tax levy indiviual " withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Bank Of America where i pledged my stock to get a mortgage when i got another company to pay that loan, BANK OF AMERICA is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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 believe I was one of the individuals who Navient made my repayment of my loans difficult. My interest rates was was extremely high and bad information was given. Please help me to get to the problem of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.

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 2016-10-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have XXXX student loans and was unemployed for quite some time. During my unemployment, I had all of my student loans deferred - or so I thought I did. I received a call stating my student loans were 120+ days in default. I explained my situation and they reinstated my deferment however they will not remove the derogatory marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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:
My problem is with the private student loan servicing company, Navient. My original loan was with XXXX XXXX until this company took over. I have a XXXX claim pending and have not worked since XXXX 2013. I have tried to get this company to either give me some kind of temporary forbearance or lower my payment or interest. Time and time again they have refused to do anything and some of the representatives ( particularly the last one ) have been extremely rude and unreasonable. I explained to them that I have other Federal students loans and they have been working with me on my situation, but that did n't phase them at all. I did not know what I was getting into when I took out this private loan until it was too late. My husband is having a hard time helping me with this loan because he gets paid on a commission basis and his paychecks can be skimpy at best. Companies like Navient need to learn to work with people just as the Federal system does!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
RE : XXXX XXXX and Portfolio Recovery Associates , LLC ACCT : XXXX On XXXX/XXXX/16, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XXXX/XXXX/16 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: WI

Complaint narrative:
It was hard setting up pay arrangements with XXXX XXXX and navient for small payments. Making us difficult for me to make payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been a customer at Bank of America for many years, since I was in high school, through college, now, and as I prepare to become a student again. I am constantly in a branch working with staff whose most common response is that they are unable to assist me due to restrictions placed upon them, or it has to be submitted for review. I 'm in the branch trying to find effective ways to use my account without constantly paying fees. Yet I encounter fees for going to the branch too much, for over drafting, for transferring funds if my account does overdraft. I 've overdrafted for less than XXXX dollars and am yet unable to bring my account current because the bank says they are unable to return {$70.00} in fees. In less than 6 months i have been charged more than {$600.00} in fees, almost equivalent to XXXX paycheck, this has a significant impact on my financial well being.

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 2016-03-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have asked Navient, who manages one of my student loans to discontinue calling me on at least 5 occasions and told them to make all communications in writing via US mail or email only. I am in the process of trying to get a foreberance approved, which I have run into several issues with paperwork and their lack of customer service is deplorable causing the issue to not be resolved still. I have also submitted an email request twice they refrain from harassing phone calls and they still have not listed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: FL

Complaint narrative:
On XXXX/XXXX/2016 I attempted to set up auto pay on the Navient website. They said it was not available. I waited until XXXX to try again. They have already marked my payment late. This is the second time since they took over the loan I have been prevented from making a payment and been marked late. My loan was suppose to be income sensitive. It has lost that status since they took it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2016 I paid with my Bank Of America credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract

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 2016-11-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have made numerous attempts requesting the validation of the debt. I have requested in writing ( since XX/XX/XXXX ) to the collection agency and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: MA

Complaint narrative:
Navient applies payments made to contested fees first so that each month they send notices that I am past due. I am submitting the minimal payment and have contested the fees they have assessed.

Company response to consumer: Closed with monetary relief