vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
i received a call from a XXXX telling me he was with XXXX.he proceeded to tell me he could set up an llc and file all necessary paperwork with both the state and irs.the company and XXXX never provided me any service and the merchants merchandise was not as described.XXXX called me on XXXX XXXX and reviewed expenses i listed for a grant.there was also no grant.i called my credit card bank of america to report this scam and i had been taken for XXXX.i explained the whole situation to them to no avail.they told me i waited to long.this company strung me along i believe to make sure i could not dispute. i wonder how bank of america could let somebody like this have a merchant account with their bank.even with no goods or services bank of america paid these people and took my money.i dont believe bank of america looked into this at all because even the money paid for this service was illegal.if i cant count on my financial institution what do i have them for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a mortgage with Bank of America. After receiving the closing statements I noticed all of the closing estimates were considerably higher. I asked that they withdraw my application. Unbeknownst to me Bank of America ordered an appraisal on the property. I learned about it when my agent called me. they still continued to say that they did not. They billed my credit card for an appraisal that was useless to me. After I complained and spoke to the vice president They still refused to give me back my money. 
XXXXXXXXXXXX XXXX phone AVP Sales operations XXXX XXXX XXXX XXXX Fl. 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 monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I called Discover card to advise them that XXXX ( internet services ) credited {$380.00} to someone else 's account. I had no balance on my ( correct ) account and asked both XXXX and Discover to ensure that this unauthorized payment was not made. The payment was " pending '' when I called these two companies on XX/XX/2017. Both XXXX and Discover representatives ( on a three way call ) advised me on XX/XX/XXXX that the authorization had been removed and that the {$380.00} will not be taken out of my Discover account because it was unauthorized. Today, XX/XX/2017, I learned that after both XXXX and Discover representatives advised me the authorization was removed, XXXX went ahead and again requested the money from Discover and Discover charged my account for that amount, which they had just been advised was unauthorized. Both XXXX and Discover representatives were fully aware this was fraud. I have spent hours on the phone trying to get the money stolen from me refunded to my account. As of today, the money has not been refunded. I believe you need to conduct an investigation into these fraudulent practices. Discover and XXXX colluded to defraud me of {$380.00}, and caused additional damages given the amount of time I have had to spend on this matter, without a resolution so far. I am also looking into pursuing a private fraud case against both companies. Let me know what your investigation results are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 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: OR

Complaint narrative:
I was recently, within the past couple years ... .Started on the " Loan rehabilitation '' program. Since XXXX 2015, I have been fighting Navient, over my defaulted loans ; which, they state, that they are out of default. Currently, this is n't the case. I have n't been able to, reinstate my student status, due to this issue. I have called, everyone ( This includes the federal loans servicers ), over this issue. So, it has finally come to this. Lodging a Serious complaint, about the way I have been treated, over this past 12 months. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America fails to provide promotional balances in the promotional interest rate section of the billing statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: MI

Complaint narrative:
I contacted Navient ( my servicer ) and requested to consolidate my student loans so that I could request Income Driven Repayment, in light of significant financial struggles ( reduced employment, and income ). The Navient representative indicated that I could not consolidate my loans XXXX, XXXX, and XXXX because they were returned to the guarantor ( The Federal Government ) and that I should contact them. The call was disconnected ( I 'm is not sure if the representative disconnected or not ). I called back and spoke with another representative, who told me that the loans XXXX, XXXX, and XXXX could not be consolidated because Navient had submitted them to The Federal Government, and the Federal Government had " rejected '' them and returned them to Navient, therefore, Navient " owned them '' and that I would have to pay them in full to Navient. I asked why the Federal Government had rejected them and when did this happen. The Navient representative said he did not have that information. I then contacted the Federal Government student loans office, and I spoke with the National Student Loans Systems representative. She checked their database and told me that Navient had NOT submitted the loans to them, and the Federal Government had not rejected any request from Navient. She indicated that she could see and could determine from the database ( Federal Government ) any transactions that would have affected my loans. She transferred me to a representative who helped me complete the online loan consolidation request ( at the Federal Student Loan website ). My loans XXXX through XXXX were included in the consolidation request. PLEASE help, I hope to consolidate my loans and request an Income Driven Repayment plan. Thank you for any and all assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has called me and my relatives 27 times in the past 24 hours. This is extreme harassment. I scheduled my payment to be made but their incompetant customer service cant get past that. I work XXXX hour days from XXXX to XXXX I dont need to be harrassed by them when I have this mountain of debt to worry about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had a Mortgage with XXXX in XX/XX/XXXX they sold the Loan to Bank of America, shortly after I had been with Bank of America, Bank of America send me a letter stating I was 10 months behind, I explained how can that be when I have not had my Mortgage with them for that Long, they explained that I had been behind with XXXX XXXX, I send them proof of my payment of the Months they stated I did not pay, I had made the payments thru XXXX XXXX, Bank of America send me another letter stating they wanted a letter from XXXX XXXX stating that they received the payments, XXXX XXXX send them the exact same thing I send them, Bank of America wanted more from XXXX XXXX, and XXXX XXXX said they have send them all that they can send that is proof of payment received and payment send. I could not get Bank of America to budge, I did not want to loose my Home so I applied for a Modification, Bank of America denied the Modification and I was forced to file Bankruptcy this was in XXXX my Bankruptcy discharged in XX/XX/XXXX. I applied for a Job with XXXX XXXX XXXX and they pulled my credit, XXXX XXXX showed up on my credit report they are showing I am late on the Mortgage XXXX and XXXX, XXXX I called XXXX XXXX and I explained I do not have a Mortgage with them, they told me they Purchased the Loan from Bank of America their Balance showing is {$140000.00}. I had a Balance with Bank of America for {$110000.00} please help me, this is hurting my credit and hurting me from getting a job with any Bank. I can be reached @ XXXX I will be happy to provide my Bankruptcy papers if you need them. 
Thank YouSincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My father asked me to help him recover {$5000.00} that went missing from his checking account on XXXX/XXXX/15 from Bank of America. The bank claims he did the transaction through a code that said XXXX and it was applied to a XXXX account, then a money market account within a very short time. On XXXX XXXX, they closed our claim and took back the {$5000.00} they credited us without any proof he did it. No bank employee can tell us what that code means but if it means via computer, my father knows nothing about computers. On XXXX, we requested they reopen the claim and provided an affidavit. I was able to contact Bank of America on XXXX XXXX to check on the progress of the claim and they said they had contacted XXXX. They told me XXXX has 45 days to respond. It has been well over 45 days and we have n't heard from anyone. I have tried numerous times to contact them and am put on hold, but after 30 minutes, I hang up because it is way too long for anyone to be put on hold. I want to see proof and resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
( 1 ) I believe I have been mistakenly put on a path through the application process for a Modification when a XXXX XXXX, 2016 Bank notification of intent to Accelerate triggered me to call the bank 's Customer Service team and the rep began me on the path of a Modification Application which I submitted XXXX XXXX via a designated single point of contact. I feel like the situation is overwhelming and spinning bigger and bigger out of control as I have discovered from reading various bank communications to me that a much better and simpler option would be what Bank of America describes as a " Repayment Plan that allows you to make your regularly scheduled mortgage payments plus pay off a portion of the past due amounts overtime. '' ( 2 ) Separately regarding the distinct, separate Modification Application process and review Bank of America Representative XXXX XXXX in our long conversation said more than once regarding all of my issues and questions raised that, " Your points are valid and you need to take them back to your Bank of America single point of contact. '' I have attached my written questions and requests made to my bank designated single point of contact here which lays our requests and questions to considered and addressed. Please note I have documented copies of all communications from the bank listed in the chronology of the attached letter. My assumption is the bank also has these in their database however I can provide upon request.

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 2015-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Mortgage Loan # XXXX was paid off on XX/XX/XXXX and Bank of America posted the load as paid off on XX/XX/XXXX, however they reported to the Credit Bureaus the load was 90 days past due in XX/XX/XXXX thus causing us gravely unjust hurting my credit making it impossible for me to secure financing through other institutions to buy a house. 
Bank of America refuses to change what they reported to the credit bureaus ( Letter attached ) in particularly XXXX who advised me by phone on XXXX XXXX that they could not change what Bank of America reported to them which shows 90 days past due in XXXX. 
I feel Bank of America needs to correct this with all Credit Bureaus IMMEDIATELY and furnish ME the written information provided to the Credit Bureaus to get this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America reported me 30 days late on my home equity loan on XXXX/XXXX/2015. 
I no longer receive statements from them as they wanted to go paperless and rely on the information on the on-line payments section which as of today XXXX/XXXX/2015 tells me that my next payment is due XXXX/XXXX/2015. No mention of a past due ... .no contact from anyone regarding a past due. The old format of the on line payment page would disclose that information. 

I want this 30 day removed from my credit report at all all XXXX bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 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: GA

Complaint narrative:
I make my routine monthly student loan payments via automatic payment- I have XXXX loans, XXXX subsidized and XXXX unsubsidized. On XXXX XXXX, 2016, I made an extra payment which I wanted to go to XXXX loan only and as a principal only payment. Navient did not have any means on its website to provide these directions, so I immediately sent an email with the instructions. A few days later it was not made, so I sent a follow-up email with further instructions. Today, because it was not corrected, I called to make the change. The CSR with whom I spoke said that I could not make a principal only payment. That sounds inaccurate and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my name is XXXX XXXX XXXX XXXX im XXXX person XXXX supplment secuity and socail secuity payments account with bank america XXXX routing number XXXX for payment XX/XX/2017 ssi and socail secuity XXXX asme account my socail secuity adriminartion inpute account above payments account person renting motel room left XXXX were XXXX jumping trains without fare paid geting tickects need to go to room rest XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX want cfpb contact bank america of my senstive information related this matter summitted your cfpb

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 2015-05-20 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: MA

Complaint narrative:
In my previous complaint ( Case number : XXXX ) I issued against Bank of America I gave an incorrect bank account number ( I have more than XXXX with them ). I am being charged wrong - the day XXXX issued this complaint I had {$28.00} or so that evening, the same transactions showed on my account but instead I was further overdrawn and another XXXX fee was taken - XXXX {$35.00} fee 's in a week??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had a XXXX XXXX, Bank of America Credit card since XX/XX/XXXX, this was a Platinum card with a credit limit of {$60000.00}. During the course of having said card, I have never missed a payment and my account was in good standing. My XXXX credit score went up a few points last week to XXXX. Sunday XXXX/XXXX/XXXX, I went to make a purchase and my card was declined, I immediately called BOA and was informed that my account was closed and after days of phone calls, I was informed that " it was a business decision to close my account ''. I inquired as to my XXXX rewards points and was informed that the points were forfeited upon account closure. I am seeking any form of assistance in this matter of BOA and their unjust account closure and criminal act of stealing my reward points. Thank You.

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 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse? 

IT 's only XXXX bucks. AM I too small to matter while BoA is too big to fail?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 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: IL

Complaint narrative:
I noticed that my account had a negative balance. As I looked at the account, I noticed that a pending transaction was listed and the balance was positive but a {$35.00} overdraft transaction was incurred. I spoke with the representative and they stated that the pending transaction was included in my available balance although the item is still processing and the merchant has not processed a receipt. I feel as though this is an unfair practice that puts consumers at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX

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