vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am an XXXX age XXXX woman living on Social Security Benefits, with no assets not even a savings account. My daughter has to help me pay some of living-medical needs solely. I have attempted to several times to payoff my high credit card debts with Bank of America. I was successful with making XXXX settlement agreements with XXXX out of the XXXX Bank of America cards. These Bank of America cards I have had over 10 to 15 years and paying interest rates well over 21-29 %, the balance never seem to be going down and because of my fix income I can not afford the payments. I was successful with help from a company with securing a settlement agreement that was accepted by Bank of America, which I have made 2 successful payments towards settling the balance. Please see ( Attachments below ) Due to the fact that I was making schedule payments to settled these Bank of America Accounts, I was assured that once a larger portion of these settlements with the XXXX BofA cards was within good standings, I was offered a settlement arrangement for the last BofA Card. This is where the deception from Bank of America started. Bank of America sent their law firm XXXX XXXX XXXX, XXXX. to threaten with a legal summons and even scared my family member who received the summons that they were going to take my house and seize all my assets. 
I did not believe it, why would Bank of America and XXXX XXXX XXXX, XXXX. say that, the shock cause me to seek medical attention immediately. Why would Bank of America and XXXX XXXX XXXX, XXXX. take threaten me with a summons on a credit card which they have already made settlement agreements on which was agreed on both sides. I am on a fixed income Social Security Benefits with no assets, XXXX, why would Bank of America and XXXX XXXX XXXX, XXXX. make these threats? I feel that it is because of my Age, I have read about companies taking advantage of the XXXX because we age getting older so taking advantage of XXXX and violate our rights. I really feel for all the XXXX and I pray for us, some of us were thought that we should pay what we owe and I have been using the little social security checks to paid off my high rate credit cards and even with me make settlement payments towards the Bank of America cards that they accepted. Bank of America and XXXX XXXX XXXX, XXXX. is still trying to use unfair deceptive and misleading practice, which violates the FDCPA. I pray for my XXXX, I pray for this county. Please see ( Attachments below )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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:
I have an account with Bank of America and I am having discrepancies in my account. My account was overdrawn and I am being charged excessive amounts of bank fees. I have tried multiple times to get some sort of assistance in removing some of the fees that are being charged on my account, and they said that they were unable to help with any of those fees. 
I 've also tried to set up some sort of payment plan with BOFA so that when my Social Security direct deposit comes in the amount wont be taken in XXXX lump-sum, and they also were unable to access me with this request because I would need to cancel my direct deposit first. I 'm not quite sure as to why BOFA has the option for discrepancy and they were not able to access me in any shape of form. I asked a question about their policy and the representative was unable to answer my question but stated a customer service agent would. 
When I got transferred to customer service they also could not answer my question and said to me that the discrepancy department has given me false information. I then-after asked if they can assist me and creating a payment plan and was told by customer service that they have a department that can assist me with the payment plan. Customer service transferred me to a collections agency that told me that customer service also gave me false information. 
I am single mother of a XXXX year old XXXX receiving a pension of {$XXXX} once a month and in fees alone this bank has charged me a little over XXXX dollars in fees in just 2 weeks ; and the fact that BOFA 's collection agency stated that i needed to cancel my direct deposit in order to create such payment plan is just ridiculous. The lack of communication skills within this company 's ' departments shows why they have such a horrible review!!! 
I can not fathom how individuals would choose to work for such company. I am completely distraught with the assistance i have received by them.

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 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 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: OH

Complaint narrative:
I did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. 
Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: PA

Complaint narrative:
When I had first graduated and explored my repayment options I was never properly counseled on what may lie ahead of me. I felt like I was guided toward the most common repayment plan without disclosing the costs and benefits. After graduating from XXXX school, without a job in my field, and unable to make my monthly payments XXXX I was counseled to defer my repayment plan. I was never advised to make smaller monthly payments or offered alternatives. My interest rates were never discussed nor were the way my repayment would be applied. After graduating XXXX, taking a year off, then we applying to graduate school and enrolling I had to defer my student loan payments. During the time I did this and called to discuss my student loan options they simply stated I should go inter Department. The loan counselor never explained that my interest rates would continue to grow and I would accrue interest over there as I was in XXXX school as well. I have previously tried to call and calculate a better repayment plan and feel I was never given a direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I first obtained this credit card in approximately XXXX, as a XXXX XXXX branded credit card. I do not recall the bank who serviced the card at that time. I obtained the card because it was marketed as a FIXED RATE 9.99 % card. The marketing promised that this rate would not change. And for the last thirteen years it has not. Other than occasional 0 % balance transfer promotions, I have been paying 9.99 % APR since the inception of the card. On my XXXX bill, I noticed that the rate has been raised to 10.24 %, for no apparent reason. When I inquired about this, I was told that the federal funds rate increased on XXXX XXXX, XXXX, and so, in turn, did my rate. But this makes no sense. At the time I obtained the card, the fed funds rate was XXXX higher than it is now. So, why then over the last eight years when the fed funds rate was XXXX have I not been paying less? The card was specifically marketed as having a fixed rate for the life of the card. When I pressed the issue the agent said she could not help me and directed me to call " retention services, '' which is, as I understand it, their sales unit. Why on earth would I buy a new product ( and allow a new hard inquiry on my report ) from a company that is behaving in such an underhanded way?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I was contacted this morning by CBE Group at XXXX local time to collect a debt for XXXX XXXX. I specifically asked XXXX to not call me any further regarding the debt unless we were discussing negotiations regarding its legitimacy. Yet, here we are XXXX with my cell phone ringing to a debt collector. 

XXXX is attempting to collect almost {$1100.00} for XXXX XXXX XXXX XXXX devices that were damaged from day one. I made every feasible attempt possible to resolve the issue and have the devices repaired or replaced, XXXX refused to comply ( their excuse is that Franchise locations do n't have to abide by XXXX XXXX XXXX ). The final attempt to resolve the matter resulted in a store manager rudely telling me that my issue was n't their problem and I could leave. 

So I left, not just the store, but the whole company. Obviously I was n't getting anywhere by talking to them anymore ( and I 'm still not either ). I attempted MULTIPLE times to resolve any outstanding balances with the company, they refuse to negotiate or work with me on the matter and expect me to pay full retail for XXXX broken phones. I offered to come to a fair and reasonable settlement, they wo n't have it. 

Then this morning ( XXXX ) XXXX tells me that regardless if I would have given the phones back or sold them outright, I would have to pay the same amount of money to them ... but I was wrong in selling the phones outright? 

I have informed XXXX/CBE Group that as of this moment that they are to not contact me again unless it is with a fair and reasonable settlement offer and I will gladly be taking this matter up with the necessary parties to have this debt not only settled but never posted to my credit under my Right to Redressal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am receiving calls everyday, less than 24 hours from when I previously spoke to them. I give them the same spill, " I am unemployed, I do n't receive unemployment, I have no income whatsoever at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of XXXX I took advantage of a promotional deal that Bank of America was running through my credit card. I used a check they issued with a 0 % APR until XXXX XXXX. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting XXXX XXXX I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay on time. For standard purchases the APR is 14.99 %. 

Here is where I am upset : It is my understanding that the minimum payment is calculated by adding the interest accumulated on each outstanding balance ( the 21.99 % and the 14.99 % ) and 1 % of the overall balance due. 

It is also my understanding that if I pay the minimum payment the whole payment is applied to the standard account ( the account with the lower interest rate ). This means that the balance of the larger interest actually increases each month because the interest earned from the previous month is added to the Balance Subject to Interest Rate ( BSIR ). In XXXX XXXX the was {$4700.00} for my 21.99 % portion of my BoA balance. As of my last statement ( ending XXXX XXXX, XXXX ) I now owe {$5500.00} for my 21.99 % portion of my BoA balance. This BSIR increases by over {$100.00} each month, and the interest amount increases each month because the BSIR increases. 

I have talked to BoA. They claim that the Fair Credit Act directs them as to how to apply my minimum payment across multiple APR balances on XXXX card. Now I have read the Fair Credit Act. It was boring. It does dictate how to apply payments OVER the minimum. It does not clearly state how minimum payments should be applied. 

It is my assertion that BoA is exploiting a loop hole and hiding behind that FCA. 

Minimum payments should not penalize consumers by increasing debt. Money should be applied to the accounts so that in this case the balance for the higher interest portion does not increase each month. In order for this to stop happening to my account I must pay enough to pay the minimum payment plus the higher interest portion of my debt, least I increase the debt in the higher interest account all over again.

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 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
The company Cbe Group keeps harrasing me by phone constantly day and night. I have told then numerous times to stop calling but they continue to do it please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.

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 2016-04-12 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: CA

Complaint narrative:
I am extremely upset! Bank of America is Charging me XXXX overdrafts fees in the amount of {$35.00} each. I get direct deposit, and the money comes in regardless a. They continue to still charge my account with extended overdraft fees, and it 's a lot of money for someone who does n't have {$250.00} to throw away in overdraft fees. I 've been told about Bank of America doing this to their customers, and I should have listened. Now I am the victim of it, and it horrible. XXXX item goes through, and your being charged so many fees! What a joke of a bank this is. I ca n't wait to close this account. WARNING!! Do not open an account with Bank Of America. This should be called the Bank of Fees for Americans!!!

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