vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have been repaying Bank of America since 2012 for property tax reimbursement. They were reimbursed fully by XXXX County, OR. I received a bill from B of A for {$500.00} for " closing the escrow account '', stating that I " asked the to close it ''. 
I did not ask that it be closed, only that they stop billing me for repayment, after the balance had been paid. I can not get through to anyone to try to resolve this issue. I am XXXX years old, have been dealing with constant " what I call harassment '', since 2012. Can you hel me? I have been XXXX since I received this letter, and do n't know how to deal with. Thank you for your help. 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 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: CA

Complaint narrative:
I am very unhappy I live on a very tight income and yet every time I call they give me options but options I can not afford. I had made a call on XXXX and spoke to a customer service representative that assisted me in regards to my loan. I went ahead and explain to him my situation I let him know that I can not afford to pay this loan my means are tight and I do n't make enough let alone I have to repay credit cards for being out of work for a year and a half. Let alone I am checking my credit on credit karma and find out that my credit score has dropped significantly and it 's all due to this loan I am in urgent need to have this loan forgiven, for I 'm not able to afford to pay this loan. I am struggling right now with my income and trying to catch up with my current bills. Please understand my situation it 's been hard since I graduated from University XXXX have not been able to land a good job with a good salary and I have to eat and I have to have a place to stay and I have to have my transportation. I urge you to please consider me for student loan forgiveness. I have very little income coming in and I pay rent I pay car note and I pay my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 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: KS

Complaint narrative:
In short, for years XXXX XXXX, and now Naivent have refused to process my unemployment deferment request as per our contract, stating that the State Of Kansas must change the format of its Unemployment Benefits letter to fir XXXX XXXX Navients needs. While the letter includes my name, address, SSN and DOB, it does not include the " XXXX '' after my name. Their claim is that there could be a different person with my name, address, SSN and DOB, and therefore they refuse to process my unemployment deferment per the terms of our agreement. This has added XXXX dollars in interst to my loans over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Uncle and I opened a Bank Of America credit card last year. Bank of America mailed out new credit cards without advising us. They said the cards went out activated. They said the cards must have been intercepted per Bank Of America 's customer service representative. Fraud charges were charged on the card, they all but accused us od doing it. The person that did the fraud was able to make charges, make fraudulent payments and charges in another country. Bank of America did not do their due diligence in protecting the account and our information. They also sent info to the credit bureau closed due to fraud by credit grantor which made it look like we did the fraud. So after all of this they are telling us they closed the account and we would have to reapply for a card. This should be illegal, so if they deny the credit card being reopened it 's negative and if they open it it 's a ding on our credit report. We should not be penalized for this. I am not going to ra apply, we should just be issued another card and we should be able to close the account not them. They punished us the customer for something we did not do. This is less than a bank and I believe the fraud is an inside job. Too much happened on the account for it to be an outsider. Please help us resolve this issue.

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 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2014 I had fraud and identity theft on my XXXX accounts XXXX with XXXX and XXXX with Bank of America. Police reports were filed people were convicted and restitution had been ordered. However XXXX cleared it up for me and sent me a letter stating they have cleared it up. Bank of America has refused to clear it up and it is still negative when I went to open a checking account a week ago. XXXX removed it but XXXX still has it in my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 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: MA

Complaint narrative:
Navient created obstacles to the repayment of my loans by providing bad and misleading information. They also processed some of my payments incorrectly saying I failed to pay back loans when in fact I had. Another problem was they made it impossible to lower my payments. Always giving me a hard time about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: FL

Complaint narrative:
in 2008 my wife inquired to bank of america for a equity line of credit. I was not present at the time of the transaction but I did come in to sign the paperwork. I believed my wife so I signed the paper so as time went by we stayed current then XXXX we fell we were mislead and under informed about the true nature of this loan and its structure of double intrest.Thank you for your time and consideration of our matter based on the market. We contacted the bank to see if we could come to a better resolution .We sent taxes form everything they asked for and were denied at every attempt they would do nothing. So I am writing you for help we paid interest for the first part of the received a letter saying our payment would increase from {$360.00} to $ XXXX the time of the transaction the loan officer explained to my wife that there would be a slight increase loan now the payment as increased and there 's interest on that payment as well. I

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 2017-01-27 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: GA

Complaint narrative:
I co-signed a loan for my brother in XX/XX/XXXX it is now XX/XX/XXXX and these loan balances have not decreased. Recently they placed him on an annual autopay and they let it lapse, then he gets late fees and interests. They keep resting the clock as he has made XXXX straight payments, but will not release me from the loan. Recently he did not make any payments and I was not notified. My credit score dropped XXXX points. Recently, I paid {$1600.00} to bring the loan up to date. Now they have set him up on an auto pay plan which will not go into affect until XX/XX/XXXX. Therefore, XX/XX/XXXX he will not have to make any payments but they will now charge him " admin forbearance '' which will had another {$400.00} on top of his loans.

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: NY

Complaint narrative:
I have both federal and non-federal student loans with Navient. They have taken triple the amount out of my direct deposit account than I signed up for multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have tried to fix a loan that I have with Bank of America for the last year, in that process they at no time did they give me the opportunity to refinance or to work with me on converting a balloon mortgage to a conventional loan until it was to full term and then they would not let me make payments due to the term was due in full. After the fact that it was late they would not let me refinance with them due to it being one payment late. So they have pushed me around for the last year to get the XXXX form sent in. I have sent 8 forms in and every time it has been something else was not filled out right or it was due to the fax being as they say unreadable. When I have faxed it from their branch and also sent in myself. I have had nothing but problems with them and they have successfully ruined my credit in the process. I am having to put the house in my wife 's name so we can refinance it and so we can get a loan from another bank because I would n't trust or finance another thing from Bank of America. At no time can you go to a branch and have someone help you because it has to go to Colorado for evaluation and they do not call you back in a timely manner, so you have make a scheduled appointment with them to get a answer. I have sent 8 forms in and no success but I can call the IRS and with in one hour I had the transcript that they needed and they will not accept it because they did n't get it from the IRS. I want to file a complaint.

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 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I just looked at my account and my {$9.00} and a few pennies overdrew my account and Bank of America charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 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: AR

Complaint narrative:
I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another bank.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
bank of america refuses to remove there error on my credit card for {$1100.00} after i disputed fraudulent payments made to my account. its clearly their error when i call them they tranfer me from department to department and no one seems to be able to fix the problem.

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 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is again pushing their terms on me but years back I asked for proof and documentation that I am bound to Bank of America terms. Yes, this is an old issue but BOA has never provide proper and appropriate documentation. My loan originated with XXXX XXXX, then Countrywide and the question is not IF the loan could be transferred but instead simply want the legal details and documents of the transfer. BOA has sent my original loan docs probably 6 times, their terms countless times, they have said I need to contact others ... None of that is what I am looking for as again, this is not a question of 'if ' just the 'how ' which is the legal transfer of the loan, something signed or sealed by the court ... I however feel those claiming to service the loan and those benefiting from the servicing should be able to provide something as fundamental as this legal documentation, really seems like I should and could stop making my payments until BOA provides this. 

Now for the insurance issue, I do have current coverage on the home and when BOA provices that information, I will turn it over to BOA. Now that BOA can no longer pull money from my account as well as they have done so illegally in the past, I now wonder how they will deal with this?!?!? They can bill me and charge me fees, but I will re-state that my payments are only authorized to be used for principle and interest payments, if BOA terms state differently, then again, prove I am bound by those terms but also consider that the second I provide proof of my coverage, that means BOA is completely wrong with whatever actions taken and I 'm still pretty sure one day all of this will end up in court and the list of BOA illegal and/or unethical and/or inept actions have done nothing but expanded and I 'm guessing it will be interesting, and bad for BOA, when a judge sees what BOA has put me through. Of course I wish the CFPB would actually do their job but that seems like a stretch at this point. 

I will state again so there is no confusion, the payments I currently make to Bank of America are to only go to the principle and interest payments on the account, no part of the payments are to be used for fees or other charges. Further, I request all fees to be presented in writing and via USPS mail service, not digitally since BOA deploys deceptive reporting in an effort to confuse consumers ( using a general ledger format ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-20 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: MO

Complaint narrative:
One day I noticed late payments from Navient on my credit report. I immediately contacted Navient regarding the late payments and balances reported on my credit file. I even requested my promissory note and original documents, but was told that they did n't have them on file. Ultimately, Navient removed the late payments from my credit reports. However, the balances, which are extremely high, still reflects on my report. Navient did not remove these balances after learning they were in error by reporting them on my file in the first place, because my records showed that my student loans were in forbearance at that time. This has been very damaging to my credit due to the high balances of my student loans. In addition, Navient have failed to provide me accurate documentation reflecting those balances. I can say that my student loan balances have increased substantially after being transferred from XXXX XXXX to Navient. I 've complained about it to Navient but was told it was merely interest. My response was, " this is an unethical amount of interest. '' In closing, I feel like I 'm being ripped off. I feel that Navient is mishandling my loans. I 'm not even sure I owe what they claim I owe. How can I find out what is accurate and what is not? My hands are tied here. I do n't know what else to do. Can something be done about Navient?

Company response to consumer: Closed with explanation