vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now XXXX. Bank of America Claims that California Code of Civil Procedure Section XXXX applies to this case limiting the statute of limitations to one year. I contend, based on counsel from XXXX XXXX, that Bank of America 's claim to California Code of Civil Procedure Section XXXX is not applicable, because it refers to claims by a " depositor. '' I further contend that my wife, XXXX XXXX and I are not a " depositor '' of Bank of America, so it is unclear upon what basis Bank of America relies upon the statute. CCP XXXX states ( emphasis added ) : XXXX An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who XXXX as defined in Section XXXX of the Business and Professions Code, for that person 's XXXX. 

I also contend that there is applicable California case law stating that the statute is limited to claims by an actual " depositor. '' For example, in the California case of XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached XXXX ), the California Court of Appeal noted that Section XXXX only applies to actions by a " depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : " As plainly written, section XXXX, subdivision ( XXXX ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section XXXX, subdivision ( XXXX ), therefore is not applicable to this action. '' XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my wife and I are not " depositors '', I again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Bank of America. XXXX XXXX is currently XXXX. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Bank of America 's cited code as not being applicable.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I tried on a number of occasions to get help to repay my loans and they continued to redirect me, or say there was no way because I XXXX. Most XXXX get paid less money and still serve low income XXXX. I am XXXX and have so many students loans it is overwhelming. It has made me feel like I need to leave XXXX all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I bought some wine from a shop in XXXX, and B of A denied the charge because they " suspected fraud, '' and called us after the fact. It was a legitimate charge, and when told that with confirming information, they said they had released the hold. I told the vendor to re-submit, which they did, and it was denied again. It is embarrassing, unprofessional. and they should be criticized for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I currently have XXXX Loans from Navient. They have screwed up a bunch of my payments. Last year in XXXX I applied to have my payments reduced because I was unable to make the payments. They told me they would inform me if I was accepted to have them reduced. They took double the amount of money out of my account and when I called back later that month they told me that I was denied, and that I could apply for it to have it reduced for one year. So that being the only thing that I could do I accepted, and the process I went through to be approved took forever. They messed up my information did not inform me how much and when my payments were to be made. Dealing with Navient has been nothing but trouble and causing me nothing but stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Have some student loans by XXXX now Navient they did did the transformation doing the time I was in a chapterXXXX bankruptcy and it being converted to a XXXX Navient continue to call me wanting me to set up a payment plan and give them my checking account information no way they continue to harness me and now I am getting letters and calls from XXXX requested the same thing set up a payment plan or get garnish was n't told how much my loans was and was n't willing to. Make a deal on the payments or how much they needed up front

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with BoA 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 monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying since XXXX of 2015 to have this Bank of America debt taken off my credit report. I first contacted portfolio XXXX in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the first time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a week later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI

Company public response: Company chooses not to provide a public response
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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I 've been trying to get my Navient account audited, and have them show me how my account got to be as high it as it is. I got my loans down to half from around {$22000.00} down to {$11000.00}. I went back to school for a year and half, and it cost me {$35000.00} in new loans to finish up. So now, with the {$11000.00} + {$35000.00} puts me around {$46000.00} roughly. But my balance is at {$59000.00} roughly. So is it accurate that my account accrued over {$12000.00} dollars in interest alone in 1.5-2 years? Seems astronomically high to me, that 's if 2 years at $ XXXX accrued, 1.5 years at $ XXXX accrued. This is more than most monthly payments. These are higher than my monthly payments right now that they asking for. This ca n't be accurate. This is like a death sentence. Something is definitely wrong here, and seeing that there are XXXX lawsuits out by the government on this company it makes me question that validity of this company. Something fishy is going on here. Do n't know how I hit the bid on both XXXX and Navient, but they seem to up to some shady stuff. 

However, on top of all that. I 've been in contact with Navient for the last 3-4 months and they still have yet to provide me documentation on how my balance got this high. I 've asked probably 8-10 times for my account to be fully audited and check, and send me a report of how my account accrued so my interest. I 've yet to receive anything from them. It 's terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted a complaint number XXXX account number XXXX. I was told they would remove the {$510.00}. I submitted the XXXX form as requested and Bank of America continued to charge me {$510.00}. Bank of America told me that they would remove said charges and have failed to keep there promise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 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: CA

Complaint narrative:
I had co-signed for my brother 's student loan at XXXX XXXX XXXX XXXX around XXXX. 

Around XXXX, I had filed for personal bankruptcy and noticed a XXXX loan was also in existence that I was a cosigner for from XXXX. I contacted XXXX XXXX ( not Navient ) to get the paperwork. Other than my name and social security number, the other information on the application/note is not mine. It has an incorrect, and out of state, phone number and I did not sign it. They use electronic signatures via email. The email address they have for this note is clearly not mine. I have contacted them several times and even wrote letters to them and the credit bureaus disputing this to no avail. They claim that even though it has an incorrect email address that 's not mine, the social security number matches and therefore it is a legitimate. I am not contesting the validity of the debt, just the validity of my attachment to it. They refuse to work with me, they refuse to acknowledge their own lack of due diligence and they refuse to even work with the payments to even make it manageable so I can avoid negative credit reporting and late payments while this is sorted out. 
I can not afford this nor can I afford an attorney for legal action against them and the school for allowing this to happen. 

I do not know my options or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
For about 5 years at the least I have been receiving letters of demand from Pioneer credit recovery.First I almost got kicked out of my previous apartment because of this and something about bad checks written in Texas.My landlord & myself both faxed over my license with my social security number.To this day I am still receiving letters with case numbers.Once again. This has went on for YEARS..I have financial problems myself and this is very over whelming. I worked with children for 7 years so to have a XXXX case hanging over my head definitely left a bad taste in my ex bosses mouth

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$1600.00} XXXX for a regular payment due of {$1500.00} + an additional principal payment of {$86.00} XXXX, well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$1600.00} payment is noted as " {$1500.00} payment posted '', a {$67.00} late fee was charged, the additional principal of {$86.00} was not noted, and my account was charged for XXXX property inspection fees of {$15.00} and {$3.00}. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period, and why was I charged those XXXX property inspection fees? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$1600.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Navient is calling me 5-7 times a day at all hours of the day. They have offered me repayment terms and then changed them the next day. They have called me at work after both the owner and I have told them not to call at work. I have told them to stop using at auto dealer yet the calls persist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: AZ

Complaint narrative:
After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number.

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 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXBank of AmericaXXXX XXXX XXXX Tx XXXXBank of America did cash the check on XXXX/XXXX/2015. After contacting Bank of America they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I had informed CBE with each call that the person who they were calling was not at that number but they failed to update their records. The calls were approximately once a week and very disruptive. Their auto-dialing tactics should be prevented from these harassing phone calls when they have incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been working since XXXX 2016 to get a item removed Target XXXX Bankaccount # XXXX was paid to XXXX, all of the items have been removed from my XXXX bureau except this team. i call Target they transfer me to XXXX, I have been told multiple times this should not be on my credit and that a electronic submission has been sent, Please help me resolve this issue

Company response to consumer: Closed with explanation