vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value '', and sought a loan modification ... not bankruptcy. We did not want this, attorney gave us no choice. Attorney did not utilize " request for production ''. He did not request our records from them, and did not submit my records to them. Loan modification took 3 years and {$47000.00} of interest was added to the principal.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have XXXX separate private loans that with ridiculous interest rates. I offered to settle with them on both private loans. The woman I had been working with XXXX XXXX told us how much they were willing to settle for. My father and i asked for this in writing either through certified, regular mail even email. Our customer service rep XXXX XXXX promised to notate my account regarding the agreement for the settlement offers and said she would mail out the agreement so we had a physical copy in hand and could take time to read all the details. She stated that before she could make any of this happen she was needing a payment of XXXX right then to hold my account. So we paid right over the phone with her and still have n't received the settlement amounts we discussed. When I try to call in and check on the status to see if they have sent us the settlement offer letters the rep says they have no idea what I 'm talking about and nothing was noted in my account about this. I 'm not going to send them close to XXXX XXXX dollars without having it in writing. I also get a lot of robo calls even an hour after making that XXXX $ payment over the phone with XXXX XXXX. I 'm being charged almost 10 %. The amount owed in interest alone is more than the initial loan amount. Also I have department of education loans managed by them and consolidated all of them and ca n't get anyone to help with the repayment plan. I 'm currently laid off due to lack of work. But these people do n't care. They 've told me that my dad cussed and hung up on them which was definitely not true. We want to get this settled and paid off. Please help! My mother cosigned for my XXXX private loan she 's on XXXX because she had XXXX and they are putting negative marks on her credit. So irritating and XXXX. It could really make a person sit and cry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am in the process of doing a HELOC with Bank of America. The originator of my loan application. The originator said I could have my home appraised because I disagreed with their automated valuation tool. Today my processor tells me that BofA is refusing to send an appraiser to my house because I have n't made upgrades in last 365 days. It is my understanding that I 'm entitled to a appraisal from a licensed appraiser if I disagee with their home valuation software aswell as I was told by the orginator before I applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have loans with Navient and they consistently deny me options for more affordable repayment. 
I can not afford what I currently pay them- each month is a struggle for me to get the money together. I need to pay my other bills, pay for gas, food & rent. I have repeatedly told navient this as well as written letters but they always deny me lower payments. 
I have been told my only option would be to put my loans into forbearance or be sent to a debt collection agency & then my credit would be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had slightly more than {$1700.00} in my Bank of America account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had " failed ''. But that " failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?

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 2016-01-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called XXXX XXXX XXXX to activate a replacement credit card today. The call was at approximately XXXX EST. The rep activated the card. He tried to sell me a balance transfer. I declined. He asked if I had any other questions. I told him I had recently transferred a balance to this card, and asked if I made a purchase how I would make a payment to avoid accruing interest. He gave me the correct information and then proceeded on a sales pitch to try to max out my credit line by direct depositing money into my account with a 4 % fee ( 18 month balance transfer ). He then went into the current soft pull of my credit report and told me that he saw I had outstanding balances with other banks and proceeded to use this information to try to sell me a balance transfer. 

I do n't have a problem with credit card companies offering their products and services. I do take issue with high pressure sales tactics, from a credit card provider, giving advice that will cause many to go into debt or irresponsibly spend. These sales tactics feel like the same ones banks/cc companies were using to position optional cross-sell products in 2010. For example, I believe he made the statement - " So this is a better option because it will cost you less '' ... which was n't true based on the information I had provided in the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: MI

Complaint narrative:
I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said " we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the " chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous " we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Bank of America for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.

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 2015-06-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I was scammed by a company called XXXX who said they could lower my monthly payments and interest on my credit card account. Once I realized what happened I notified my bank which has my checking and savings accounts and my credit card company. I did this on XXXX XXXX for Bank of America and XXXX XXXX for XXXX XXXX. XXXX XXXX and Bank of America both closed my old card and account information and issued me new cards and account numbers. After this Bank of America allowed a {$3800.00} cash advance, which I did not authorize, to process and this was deposited into my checking account. I am willing to repay the cash advance but Bank of America refuses to clear the cash advance fee or the late fee I incurred after I changed my checking account on their website, but they did not debit the account as they were supposed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I have been trying all day to set up an account with b of a on XXXX XXXX in an XXXX XXXX. I am moving from XXXX to XXXX soon. I spoke with XXXX at the branch who said he could handle it. Then said he had to wait til friday. Then I had my bank manager here in XXXX call him to work with him to set up account and wire money. he said i could go on line - but he was busy. We tried that for hours. No one at B of A knew how to do it even though they offer it. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance.No one at B of A knew how to work the computer or knew the procedure. I asked if they wanted XXXX to call them and show them how. The entire staff including managers was incompetent. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. We tried that for hours. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was never given an option for an income based payment plan. I was forced into default and forfeited several years of tax returns on top of bad credit because of my inability to pay an amount that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In regard to the complaint I submitted on XXXX # XXXX, Since there is some changes happened to the case I would like to update the changes in the form of a summary, I ordered, the order # XXXX from XXXX using my XXXX, On XX/XX/2017, due to fraud transaction I closed the account, and the balance of this account was the price of that order, The XXXX credit card representative advised me to go to any XXXX store and pay for the order, On XX/XX/2017 I went to XXXX located at XXXX XXXX NJ XXXX, and paid {$44.00} reference # XXXX using my Bank of America credit card ending XXXX. 
On on XX/XX/2017 I received statement from XXXX for the same order, On XX/XX/2017 I contacted the XXXX XXXX card, around XXXX, answered by XXXX XXXX, and asked him to contact, XXXX and update the balance by the payment I did, he told me to wait until XXXX will update it, On XX/XX/2017 I contacted both, XXXX, answered by XXXX and XXXX, and XXXX card answered by XXXX or chavil? And both of them accused each other of having the responsibility, to correct the mistake, On XX/XX/2017 I received e-mail from XXXX help, to go to the store and refund the bill, paid on XX/XX/2017 by my visa card bank of America ending XXXX stating that they received it by mistake? 
On XX/XX/2017 I went to the same XXXX store and paid the credit balance using my debit card, reference # XXXX for the same order, but they could not refund the first bill, In summary, it means that I already paid to XXXX the order twice, I would appreciate, if you help me to dispute and the refund the payment with {$44.00} which went through my visa credit card bank of America ending XXXX Attached all the documents and the proof of my complaint, Thank you and I appreciate your time XXXX XXXX, XXXX NJ XXXX XXXX XXXX

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 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
My husband and I are receiving daily calls from Southwest Credit in XXXX, TX asking to verify personal information and saying that they want to collect debt. Because we recently received a mortgage, we have seen our credit records and have no unusual outstanding debt -- other than regular bills and credit cards. We do not want to receive any further calls from Southwest Credit. Because the phone numbers for the calls do not show up on our phone, we can not put this company on the Do Not Call list. And, the return call numbers that it leaves in our voicemail ( on different phones ) is not always the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 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: GA

Complaint narrative:
I have been in some form of bankruptcy since XXXX and paid my last payment in XXXX XXXX. At that point my loan went from a total of {$160000.00} to whopping {$350000.00}. All my loans double in size which should have bankruptcy stay and not capitalized interest. I requested someone from Navient to research how my interest was calculated I received an immediately approval of consolidation in order to stop the conversation. I need help to discern why all my loans have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
Reported to the credit bureau that I wrote a bad check to a company I NEVER had any dealings with- its is called XXXX and the check is in the amount of {$4400.00}!! I have disputed with XXXX - but they said the collection agency isnt taking it off- EVEN THO the collection agency CAN NOT produce ANY Proof- Because there is NONE- I HAVE NEVER WROTE A CHECK TO XXXX- much less XXXX for $ XXXX THATS A HECK OF ALOT OF SODA- dnt you think?!!!!! This is ridiculous, and these companies can not be allowed to do this WITHOUT PROVING their claims for collections!! this is ruing my credit- and its fraud!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation