vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
Student Assistance corporation calls me with robocalls constantly. Most of the time I get dead silence over a voicemail and then a message mid recordeing. This time I bothered to answer because I was expecting a call from another business for another reason not debt related, and I dod n't get a live person on the other side. I got " Student Assistance Corporation is trying to reach you. Please call... '' XXXX, you had me. you reached me. I am not going to call back when you robocall me and then give me a robot to listen to when I do actually answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and 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 2017-03-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 'm on XXXX for an accident i had on XXXX first. XXXX has deposited money into a Bank of America account. I do not have access to this account. I have not received anything from Bank of America. I found an expired Bank of America XXXX and was finally able to get someone on the phone. I was told that i had to pay {$10.00} to receive a card so that i could access my money. My bills are late my phone is turned off and they 've had my money for over two weeks.

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 2015-07-16 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have gotten harassed by navient about my loans since I graduated in XXXX of XXXX. I called them and asked them to lower my monthly payments because I also have private loan through my school, and they stated I made to much money for a single person. I then called and asked them to consolidate my loans with my private loans so I can get a lower monthly payment, and they told me to fill out an application. All while my loans are still accumulating crazy interest! On top of my loans I have already accrued XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control.

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 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: DE

Complaint narrative:
XXXX from Simm Associates out of XXXX, DE. He demanded the last XXXX of the SSN before identifying himself. We finally got him to use an alternate ID. Then he identified the himself and what company he worked for. He told her the debt and ask what for type of payment for debt. We informed him that we were not able to pay it at this time and to have a nice day with that we ended the call. He called right back and when I answered the phone I asked his name and what company he was working for he hung up on me. I called the number back and he answered the phone with " This is XXXX and you have reached SIMM Associates ''. I said so XXXX with SIMM Associates that was n't hard. XXXX then starts shouting at me saying you man enough to call me back then be man enough to pay this bill. I told him that I was filling a complaint and he said he did n't care so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was issued a merchant credit on XXXX/XXXX/2015 and it simply did not arrive on my credit card. This was due to the fact that the original card had been breached and a new number issued. The Big Bank told me in XXXX of several calls I made that they had no technology to move the credit to the new number. After at least XXXX phone calls I completed and online chat and was told they would be able to send the money ( in cash ) to my bank account but it would take 2-5 business days. Surprise after 5 days NO money. I reached out again -- -this time an online chat agent told me the exact same story -- -ANOTHER 2-5 business days and this woman told me to print out the chat as her word that it would happen as she said. GUESS WHAT -- -another 5 business days and no money. I now went into a branch to speak to a live person who called the big guns and when I left he told me that it would not be 2-5 business days but likely LONGER. NOW this bank has held MY money for 38 days. If I pay late I am charged interest but its OK for them to hold my money well over a month with no repercussions? I finally recognized the power of social media and when I posted on FB I got a fairly immediate response HOWEVER now the credit has posted well past the original date of the charge forcing me to pay for it and get my money back when I next pay my bill thus extending the time I am out my money. I feel i should be compensated in some fashion for the HOURS of my time spent chasing my own money AND having to wait for it. If this were a regular bill since they owed me the money the bank would have to pay me late fees and interest. Today I received a call form the social media team who were somehow able to get the credit sent to my new card ... funny how no one could do it before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan.

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 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated.

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient has caused me emotional trauma consistently over the last six years by harassing me over the phone and attempting to withdraw large sums of money out of my bank account causing to me have to close the bank account and pay overdraft fees. 
I was put into a state of XXXX over phone calls by collectors demanding I find a way to pay them large sums of money, and have been dealing with multiple phone calls a day from Navient ( from different phone numbers so I ca n't block them or know who it is ). 
They have failed to this day to offer me a reasonable repayment plan for my student loans based on my income and I now owe {$30000.00} more than I did when I started because of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: OH

Complaint narrative:
Navient incorrectly calculated monthly payment during annual recertification. They calculated payment twice as high as it should have been. Then Navient excessively delayed recalculation past due date of monthly payment and demanded late fees as a result of their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.

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 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
debt oriiginated in XXXX with bank of America {$250.00} payment was falsly reported in XXXX still receiving collection notices from XXXX XXXX XXXX in 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 2017-01-19 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: LA

Complaint narrative:
XXXX, Direct loans and other companies have constantly caused problems which damaged my credit and has led to filing bankruptcy twice. They have constant sold my loan from one company to the next capitalizing the interest over and over. I never received the interest rate that they promised over the phone. This has been a constant financial burden to me in such that it has caused me severe financial harm. They would ask for paperwork to be sent to them over and over stating they got it but it was lost or claiming I did not send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. In XXXX 2015 some one opened credit cards with Bank of America and XXXX XXXX in my name. I came to know about this only in XXXX 2015. They left a high balance of {$15000.00} with the boa credit card and another of around {$5000.00} with XXXX XXXX card. I came to know of this only in XX/XX/XXXX from a credit report alert. 

The banks are holding me responsible for the balance on these cards even though I have nothing to do with the credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Years ago I used my Bank of America card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said " nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the " Sent to collections ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 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: CA

Complaint narrative:
I 've been paying on my student loan since 2007 at 9.5 % interest to Navient ( Account # XXXX ). I called them about 2 months ago when I noticed not even half of my average $ XXXXmnth payment is going towards interest. They were aloof and never acknowledged the discrepancy. Only after understanding they were n't going to help me understand this or do anything about it, I threatened to complain. Again, they could care less. Since seeing that Navient is being sued for reasons such as this, I finally understand why they treated me the way they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line.

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