vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I stopped paying on my mortgage XX/XX/XXXX. I lost my job and had to move for work to another state. The forclosure process began XX/XX/XXXX. Then it was sent to collections in XX/XX/XXXX. The bank dragged its feet and delayed the forclosure sale and the deed transfer was not completed until XX/XX/XXXX. I do not understand how this is possible. As a result of the bank purposefully stalling the forclosure proceedings i have been harmed. As the XX/XX/XXXX date looks like my forclosure occluded, I am not eligible for the FHA mortgage fresh start initiative or other programs due to the '' banks zombie title ". I need help with what my rights with this matter are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The promised card benefits ( purchase protection ) was not honored

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: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loans were supposed to be placed in a deferment status while trying to attend school and they ended going into a delinquent status causing negative damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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: NC

Complaint narrative:
this is a continuation of complaint XXXX banksaid that they had previously looked at the complaint andbasically refused to look at the facts again. they have notlooked at them the first time. this is not acceptable. 
they want me to go back to my credit union. the creditunion did not submit the check, Bank of America did ( note onsignature line says that check was verbally authorized bytheir depositer ). 
bank of america used a pre authorized checkBank of America submitted it overa, month after the loan had been paid off. 
the loan number is on the front of the check. 
the back of the check proves it has been cashed. 
b of a maintains they did not cash the checkthey are misrepresenting and denying what thefacts show happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
Based on all the news about the lawsuits against Navient, I 'd thought I 'd make a formal complaint that seems to be in line with the lawsuits. I 'm actually speaking on behalf of my wife, but I 've thought for years the way Navient collects and distributes my wife 's payments to her loans has been suspect. I believe they have falsely or deliberately delayed the payment we sent a day later in order to accrue an extra day 's worth of interest when I send two payments on the same day ( one payment being for what is owed via the IBR plan and additional payment to decrease the principal ), they never both hit the loan on the same day. I 'm sure there 's other issues I 'm missing too, but we have been trying to pay more than what the plan calls for to try to pay off the loan faster, and it never seems to make any dent in the total loan amount. This would most definitely be the case if Navient is indeed trying to swindle us and not credit our payments to them in timely and ethical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: UT

Complaint narrative:
The company refuses to talk to me when I have another party on the line. Additionally, the debt is not my responsibility. I was a medical student at the time I was exposed to blood. I used to appropriate avenues and the hospital and the school is responsible for any debt that my insurance does n't cover. They contacted me about this debt the first time through a collections notice they sent to the wrong address. It says in the XXXX XXXX XXXX that I am not responsible for the debt as a student and should have never been billed, since I got exposed while working at XXXX. This debt agency has hung up on me several times when I tried to call with representation. No one contacted me before this debt was sent to the collector and they collector refuses to acknowledge it is not my debt/I am not responsible. XXXX XXXX 's knows this.

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 2016-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received free-and-clear property ( primary residence ) in a divorce settlement in XXXX, XXXX. I then took out a HELOC loan with Bank of America ( " BOA '' ) to pay for debt incurred on the property to pay for renovations. In XXXX, the HELOC amount was rolled-over to a conventional, 30-year fixed mortgage ( sold to XXXX XXXX ) with BOA. However, BOA never filed the necessary paperwork to put the HELOC into a second position. Technically, I had ( XXXX ) first mortgages. Foreclosure was filed XXXX XXXX, XXXX. Because XXXX loans with considered first mortgages, they were treated as coupled together by the foreclosure documents. BOA kept the HELOC open on my credit report until XXXX, XXXX and erroneously reported late payments for years XXXX, XXXX, XXXX, XXXX. BOA admitted verbally that they were in error with the filing of the mortgage documents, with the title company, and with their internal accounting system. I have never received documentation concerning these transactions as promised. As of today, I am being denied credit for inaccurate information reporting by BOA to all XXXX credit rating agencies.

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 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband and I were facing foreclosure back in 2005 for property located at XXXX XXXX XXXX in XXXX, Texas. We had a mortgage insurance policy in place at the time. We approached the mortgage company, XXXX, regarding a short sale to prevent the forclosure process. XXXX told us that we could " only sale the property if we signed a promissory note to pay back the insurance company '', XXXX XXXX XXXX We sold the home and are currently paying back a non-collateral promissory in the amount of {$20000.00}. We recently discovered that this practice was inappropriate/and illegal for both mortgage and insurance companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX/ NAVIENT XXXX action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX/ NAVIENT would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. This month XX/XX/XXXX they handed my accounts over to XXXX XXXX XXXX , XXXX to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I began meeting with Bank of America 's mortgage loan officer, XXXX XXXX on XXXX XXXX back in XXXX, It has been a constant XXXX calling her and her never returning my calls. She has all my information and the customer service Bank of America gives is absolutely horrible. A common courtesy call saying she can not help me is something I believe you need to teach your customer service. I have also spoken with XXXX the branch manager who promises me I will get a call back but that does not happen. I am very dissatisfied with Bank of America and am sorry they hold my mortgage. I believe XXXX XXXX should realize how these people are representing the company.

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 2017-01-19 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: OH

Complaint narrative:
I have been a federal employee since XXXX XXXX. According to student loan forgiveness programs, such as Public Service Loan Forgiveness, I should have had my loan paid off after 120 payments as a federal employee ( which would be XXXX XXXX ). However, according to Navient they told me my loan type did not qualify and that if I did convert to an income based loan that my payment would go up and I would be paying even more every month and the 120 payments would start from the beginning. I graduated from college in XXXX of XXXX and my balance is higher than it was when I graduated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I attended XXXX XXXX College in XXXX, New Hampshire. My sophomore, junior, and senior year I handled my financial aid without the help of my parents. I was a good student. I got a scholarship, I was a XXXX, and was named XXXX team for maintaining the highest GPA on the team for two years straight. During the three years in which I handled my own financial aid I was advised by XXXX XXXX XXXX 's financial aid office to go to XXXX and to take out Signature Student Loans in order to cover the remaining costs that I had during the year. It was so easy and I had no idea what I was getting in to. Before I knew it I was {$100000.00} in debt to XXXX XXXX ( now Navient ) with 9.75 % and 9.25 % interest rates and very little hope for a financial future. Monthly payments have been over {$1000.00}. I work a full-time job, a part-time job, and serve part-time in the XXXX XXXX XXXX ( they offer student loan repayment on federal loans ). I am XXXX years old and am hampered by incredible debt. I 'm not afraid to work, in fact I work all the time just to afford my monthly payments. I am unable to save any money for a house or start a family. I feel like I was misled by my financial aid office and XXXX XXXX. I was XXXX, XXXX, and XXXX years old when I took on this debt. I did not understand the gravity of the decisions I was making. To make matters worse it was so easy! A loan application for {$30000.00} at 9.75 % interest took me XXXX minutes to complete! It did n't even require a co-signer. I am current on all my bills and have never missed a payment, but am getting very frustrated at not making any progress. I 'm concerned about my future and the burden that I put on my future spouse and my family. I 'm not XXXX to run from my problems, but I need help. Navient has recently worked with me in negotiating a lower monthly payment and interest rate for 12 months. I am very grateful for this, however the payments are still nearly {$500.00} a month and only offer a short-term solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Everyday I get numerous phone calls from Navient to collect on my loan. It normally begins at XXXX, sometimes as early as XXXX, and sometimes they like to wait a little after XXXX and right before XXXX. It 's a daily occurrence, they also call me during work, which I have stated to them before is not allowed according to the rules of the company I work for. Yet they continue to do so, using many different phone numbers from all over the country. I refuse to pay my loans when they refuse to show me respect and wake me up hours before I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. Bank of America has not allowed me any resource to submit proof of hardship. 
2. Bank of America has not provided me with a contact representative who can be committed throughout this and previous complaint process. 
3. Bank of America has yet to acknowledge wrongdoing in processing my loan. 
4. Bank of America has not had a representative stay in touch with me, other than the first XXXX or XXXX contacts. 

Since last few months, XXXX apartments have been damaged. My total repair estimates are upwards of XXXX. Additionally, my loan has increased from {$270.00} to over {$1000.00}. 

Every month or so, BofA responds to these complaints by assigning me someone new. However, after XXXX contact, it is difficult to stay in contact with them as they have not returned calls. The most recent incident to which the new contact person for BofA did not leave an extension number. 

Bank of America took over 15 months to only deny the first step of loan, then took days to re-deny the appeal. Bank of Americas only solution is to restart the entire process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: PA

Complaint narrative:
On XXXX XXXX, after receiving numerous harassing calls from Navient, I visited their website, Navient.com to check on a recent payment in the amount of {$140.00}. This payment was in response to I noticed that there was no payment in the amount of {$140.00} instead there was a payment in the amount of {$270.00}. I immediately called them and spoke with their representative, XXXX. She transferred me to XXXX. Her response was as follows : " The {$140.00} was split between account ending in XXXX ; {$130.00} and account ending in XXXX ; {$4.00}. The balance of the {$270.00} was to help keep your account out of default. {$45.00} and XXXX " I informed her that this was clearly fraud. Navient was falsely documenting the files. XXXX ( Navient 's representative ) continued to inform me that account ending in XXXX was a " charge off ''. Surprised at her statement, I clearly gave her the definition of " charge off '' and questioned : ( 1 ) why I had not been notified, ( 2 ) how is Navient still having this on the books as collectable and why have my payments been largely credited to a " charged off '' account. I then requested a supervisor. I was transferred to XXXX. 
XXXX responded to my inquiry into Navient 's irregular accounting practices. He justified it by initially stating that he did not see what I was seeing. When I went further about the defined columns on the Navient 's site, he disputed what I was in fact seeing. He stated that the {$270.00} was not a line item recorded as " received ''. Please see attachment. I informed him of XXXX 's clarification of the item and again, repeated that Navient had done irregular accounting practices. XXXX insisted on blaming the problem on XXXX XXXX, their local office. Upon questioning him on the " charge off '', XXXX had another tale. 
Navient is practicing irregular accounting practices on top of continuous harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer

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