vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to Bank of America instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing this complaint on behalf of my father. My dad passed away XX/XX/XXXX and had a mortgage with Bank of America. I became the representative to his estate XX/XX/XXXX. Since this time I have continually tried contacting the mortgage department to get information on my fathers mortgage. I have had to fax my legal documents to the mortgage department twice because they claim they never received them. While going through my fathers paperwork I came across a confirmation letter showing that he accepted the " Borrowers Protection Plan ''. So finally on Tuesday, XX/XX/XXXX someone from the mortgage department was able to give me information. This women informed me that the loan was in " foreclosure process ''. I explained that my father had this protection, so I got transferred to another department. I spoke to a women in the " Options Department '' who explained to me that yes in fact my father did have the coverage. However, XX/XX/XXXX the " bank made a strategic move and canceled it ''. I could n't believe it .... I asked her if any other coverage was offered to him and she said, " no we no longer offer it ''. I then asked her about the money my father already paid into the coverage and she explained that there was no cash value. I then said to her, " you take his money and then take the coverage out from under him and offer him nothing else '', she stayed quiet. I was then transferred to the " Foreclosure Department ''. Now I have to send {$3400.00} to reinstate his mortgage and stop the foreclosure 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 2015-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
For the past XXXX months, XXXX, XXXX and XXXX of XX/XX/XXXX bank of america 's fraud department has continuously flagged my account and prevented me from making purchases at any automated fuel pumps. On each occasion I 've had to call and verify that I am in fact the person making the transaction. I 've also called to have my account unrestricted but, the problem still was not resolved. After speaking with a supervisor on my XXXX consecutive call I was told that it was because they had a wrong address in the system. However the problem still persist today. I 've had this account since XX/XX/XXXX and have been a loyal customer for years I find it extremely disappointing not to mention concerning that I can not count on my financial institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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: NH

Complaint narrative:
I sent navient all the paperwork they need to do a discharge for my student loans and they have denied me twice I went to XXXX University online and they committed fraud and their college was closed and now I am still in school and navient will not dischage these loans so that I can re add back my subsidized and unsubsidized by this school. I would like to get these loans discharged so that I can finish the next two years of my XXXX then get my XXXX without the rest of this funding I will have to drop from college at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 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: NY

Complaint narrative:
Asked for forbearance in XXXX, paid navient {$50.00} for the forbearance due to hardships. I have harassed by calls everyday for the past XXXX months saying I am late on payment. XXXX XXXX navient also screwed me when I asked for help, they failed to tell me the help was just paying interest not principal for the past XXXX years. Finally, moved by federal loans to fed-loans.gov. They are deceptive, deceitful. They screwed me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
over the past 2 years Bank of America has harassed m by misstating my requirement for a HARP loan and or modification by requesting the same documents which were sent and than stating they had aged over 90 days and requesting the same information multiple times and finally offering a modification which caused more hardship than relief. Seems as if they are simply not interested in the proper use of HARP funds entrusted to them to offer help. Late charges were overstated even though payments were not late as per the terms of the contract as well as escrow accounts being over stated even though we were trying to resolve the issues and there is no one to stand with me. In regard to checking accounts, transactions are manipulated to allow them to charge more fee. Larger amounts paid first so that account shows overdrawn and smaller amounts processed out of order and fees charged. Guess they need the money. I believe they are in violation of state and federal statutes relating to XXXX treatment. I was out of work for 4 months in 2015 for XXXX problems and suffered XXXX issues as a result of the XXXX over the actions of Bank of America. They have reported me to credit bureaus as being 4 months behind in mortgage payments even though I had tried many times to discuss the issues and communicated by phone and letter with no resolution other than continuing harassment. What to do??? I have tried to refinance with other companies but could not do so primarily due to alleged late mortgage paymnts.

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 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. 

I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. 

Bank of America has not been helpful in getting their error resolved.

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 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
There is a double-charge on my Bank of America checking account made in error by XXXX XXXX. XXXX admits the error, but they do n't seem to know how to resolve it nor seem to care. So I attempted 3 times to contact Bank of America to dispute this transaction, but I am put on endless hold and no associate answers the phone. Further, I stopped-in at my local Bank of America branch and they stated that all they could do was put me on the phone and that they too have not been able to reach an associate. This is unacceptable and demand resolution as this double-transaction was not authorized by myself.

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 2017-03-15 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: LA

Complaint narrative:
I enrolled in a XXXX College course in 2007. My tuition amount was increased after classes had already started. Albeit I was told beforehand that it would n't happen. Several years after graduating and life experiences, I went through a hardship that rendered me homeless for a few years. As I 'm writing this, I am just recovering. Explaining this ordeal to a service rep seems to fall on very deaf ears. I was always offered a forebearance, never offered a solution that made sense, was suitable to my situation and that would help me be in good standing to allieviate the loan. Not a very pleasurable experience whatsoever. I am a XXXX, married man and father to a child under XXXX yrs of age. My desire is to improve and create a better quality life for my family. Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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: FL

Complaint narrative:
I was set up auto pay and they never contacted me to tell me i have to call to continue auto pay annually then i get call saying im 2 months behind and bow i need to triple pay to get update and im 2 months behind because its a new month but its not even XXXX of month which would make it 2 months past due! Then boss yelling in background telling the lady XXXX no she needs to pay past due first before anything and she is telling me im sorry im lk is he yelling at me to you! Everysince they changed to navient iv had nothing but terrible experiences. Nor will they let me access my loans online so i can see what my balance is

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to fix an issue with my bank account with bank of america XXXX and received various false information about what I should do about the money that was stolen from my account. There was also various transactions that were used to create a false sense of fear with - {$880000.00} removed from both my checking and savings account. 

There was also information that was falsely used to allow for the - {$880000.00} to be removed without applying a hold on the funds that were available or use of proper banking procedures. 

There were also various other attempts to steal or borrow money from other accounts that were directly connected to the government that bank of america assumed were fraudulent or incorrectly funded. Numerous answers that were provided to them were not enough to fix the issues. 

I want to make sure that bank of america realizes that using such codes incorrectly can cause great harm financially to a person as well as hamper a person 's ability to be financially stable especially without proper authorization or investigation before playing a {$1.00} XXXX hold on an account for {$1000.00}.

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 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX, 2015 I had prepaid for a rental car {$210.00} and once I picked the car up I was charged another {$350.00}. Since I was double charged, I contacted my bank and filed a dispute against the charges and returned the rental car. I was refunded the {$350.00}, however the {$210.00} has been refunded and withdrawn from my account on three separate occasions even though I have mailed, faxed and took copies of documentation to the actual branch office. I have yet to receive the credit to my account of the {$210.00} and due to them continuing to credit and then withdrawal the {$210.00}, I have had incurred additional insufficient fund fees. I have spoken with multiple individuals, including a branch manager and have been treated terribly and received no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: NC

Complaint narrative:
I have several private loans with XXXX XXXX now Navient. I called to lower my payments, my credit history and purchases were looked up without my permission unbeknownst to me. She then puts me on a brief hold, then she comes back reporting, '' Well you brought a car knowing you had to pay us '' and hung up. 
I did not give her permission to do this, she needed my permission to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Had a mortgage and refinanced with Bank of America they used the wrong tax ID number and legal description which I did not know they had done. then I filed a chapter XXXX to which they hid the error remitted the corrupted mortgage documents to FHA XXXXand the loan has a retired tax ID and legal description. I tried to get them to correct as they have both the houses which is lot one and lot XXXX using the old legal description and tax ID number. they lied claimed they were correcting the error instead was trying to sell the loan to Nationstar mortgage who told me they refused to buy it because of the corrupt documents. they stiffed FHA FHA has an insured mortgage with no property -- actually no Tax ID or legal description with XXXX housesI sent all the information to OCC which they claim they remitted to you I can recopy all the documents and send them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received notice of suit on an account that I had. The balance is XXXX. I do not have this money. I can not afford an attorney or any type of garnishment to my wages. I am the sole provider for my son and garnishing my wages is only taking food out of his mouth and depleting funds for his necessities. I did go into this contract with good intentions and I never had such a bad payment history on accounts as I do now. My income has decrease by 10 % and expenses have increase by 40 %. I just do n't have the money that I would like pay. 
*Please allow a settlement of 30 % of this balance to be paid within 4 to 6 months. I can begin payment XXXX XXXX. 
*Please drop the suit currently in process. 
I apologize for being such a bad customer. I never wanted this to happen. I am in my current financial circumstance due to my attempt to band aid lack of funds with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA and removed the charges, and sent us a letter dated XX/XX/2016m that " the fraud investigation '' " had been completed and closed, '' but some XXXX months after the original charges the charge reappeared. BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not mine. I FAXed to BofA Fraud Claims " Reconsideration '' department today a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because I will not pay for unauthorized charges, never. 

Bank of America should remove the unauthorized charges from my Visa. I will not pay for any of them they are unauthorized and the burden of proof is on BofA to prove that they were authorized, which it has not done and they were not authorized.

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 2016-09-19 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: FL

Complaint narrative:
I am XXXX years old. I went back to college about XXXX and, unfortunately, I selected a school called XXXX, later known as one of the " XXXX '' schools. I took out several student loans totalling about {$15000.00}. 
I have been unemployed since XX/XX/XXXX and have had my Navient account in forbearance. I just learned today that I am no longer eligible for forbearance or deferment, and my account will be going to collections. I filed Chapter XXXX bankruptcy in XX/XX/XXXX, but Navient claims they have no record of that bankruptcy. I am concerned that if this account is in collections when I turn XXXX and I apply for social security, that Navient will garnish my SSI. I have been awaiting a solution for students of the XXXX disaster, but nothing has appeared yet. 
How can I prevent my account from going into collections pending a sollution for students that were defrauded by XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen.

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