vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to BANK OF AMERICA. Bank of America can not locate this account

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 2017-02-15 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: GA

Complaint narrative:
Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
When paying rent for a shared household, my roommate accidentally wrote a check for rent for the entire house on a check from my checkbook instead of his own and sent it in. When the check was cashed, it overdrew my account by a large amount, and I was charged {$93.00} in overdraft fees. I called the bank and asked that the overdraft fees be removed. I did not think that the check should have been cashed since it did not have my signature on it. XXXX My roommate signed his name ). I spoke with a few people at the bank, and they refused to remove or reimburse the overdraft fees. When I explained that my roommate wrote on my check on accident and that it did n't have my signature, I was told " who 's fault is that? '' and that they go through XXXX of checks and ca n't check all of the signatures. I felt that just because they ca n't look at all the signatures, does n't mean that the signature does not matter. I gave up arguing with them after this and closed the account a couple weeks later. I would like to be reimbursed for the overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: NC

Complaint narrative:
I bank with Bank of America using the paybill service. The checks were due for pay on the XXXX of each month. The bank took the moneys early and charged me overdraft fees on the XXXX of the month.

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 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Received a letter from BofA on XX/XX/XXXX, dated XX/XX/XXXX, stating that as of XX/XX/XXXX they would no longer be my servicer, and that they would cease processing any payments. Told me my new servicer is XXXX XXXX XXXX, in FLA. Contacted XXXX, and as of XX/XX/XXXX they had NO record of my account. They ( BofA ) did the same thing last year after I filed a CFPB complaint. CFPB closed that complaint, stating BofA was no longer my servicer. Two weeks later I got a letter from BofA saying that they had decided to remain my servicer. Not sure to whom to direct this complaint, as BofA changes their tune each time a complaint is filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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:
I opened an account on Friday, XXXX XXXX, 2016 after visiting Bank of America to cash a payroll check. On Saturday I attempted to use my card and was advised that my account was being closed. I called on Monday to see why and they advised me that they did not have to tell me as it was a business decision that they made. They advised me that the payroll check which is drawn on their bank is being place on hold and that the hold went into affect on XXXX XXXX, 2016 and will not clear until XXXX XXXX, 2016. The branch manager of XXXX XXXX XXXX could not understand why they would hold a payroll check for so long since my employer uses Bank of America. They refuse to give me an explanation as to why my account is closing. They refuse to give me my funds after the branch manger has already written on the check that a deposit via my mobile device. This is beyond unacceptable as the department that is handling this refuses to speak with me nor give the branch manager an explanation. This has caused me to be late on a bill that I needed to pay and if they issue me a cashiers check via mail, I will be losing funds as they will charge me a fee to cash the check. This bank feels that they can treat me any kind of way and they do n't have to answer to anyone or give any reason.

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 2015-08-31 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: CA

Complaint narrative:
Receive daily calls from Gila LLC XXXX calls daily attempting to collect a debit from State of Utah for an assault court charge.from 1991. Never had an committed an assault crime in UT or anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 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: CT

Complaint narrative:
I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX, Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb, I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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 believe I was scammed by XXXX in their practices and would like to see if I an eligible for compensation for the lawsuit filled against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I worked XXXX for 14 years ( XXXX ). I used my Bank of AmericanXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Bank of America said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Bank of America attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Had loan for over 3 years and when making payments almost ex actually every 30 days and before they were due the principal amount and interest amount posted was always really different. On a payment of {$530.00}, one month {$100.00} to principal, next month {$27.00} to principal, next month {$43.00} to principal and on and on. Called them and they said it was all according to the number of days between payments. The difference was only 2 or 3 days. Would make additional payments between and nothing posted to interest. With no help or response I refinanced the loan to get away from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
I was Told Buy Iberia Bank To provide Information From XXXX to verify that previous Matter Have been resolve and nothing negative to report did so in a respectful manner they made spend my hard earn money faxing over them the documents from XXXX .After they information was receive they told me they will not open my account because of fraud or anything negative from other banks its because I have to many inquiries and the account sales man said I quote " I do n't feel comfortable opening accounts " I said why he said to many inquires and I 'm just not going open them I said you made me spend my money faxing you XXXX documents and your not going to open them he said no sorry about that so bye '' Wow '' So this your customer service department Iberia Bank you can let your employees determine the judgment and discrimination base on their own agenda after I qualified for A bank Account?

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 2016-02-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.

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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Toward the end of XXXX XXXX my father died. He had XXXX bank accounts at Bank of America. XXXX of those accounts were simply in his name, XXXX was in the name of the XXXX XXXX. Beginning in XXXX, XXXX I went into the bank with all necessary ( which I believed necessary, as I had already dealt satisfactorily with XXXX XXXX Bank -- where my father had XXXX accounts ) documents, such as death certificate, the Trust document proving I was the only heir and Successor Trustee all my ID ( and may I state my husband and I have considerable funds deposited in B of A. ) Starting in XXXX, I was made to come in XXXX separate times ( and the result is still in question ) to settle this matter!! Each time the bank manager went to the back, supposedly faxed all necessary paperwork to their Trust Division ( which happens to be back XXXX ) and said " It 's all done, just wait for the check in the mail. '' Within XXXX3 weeks I would then receive a letter from the Trust division stating they still needed paperwork. Not only was I getting upset, the bank manager was also -- stating this never happened before. Although I am not in need of the monies, I began thinking of people who may actually need funds soon after a death -- to pay for funeral expenses, maintain a house that existed in the will, etc. I began thinking the B of A. seems to be unnecessarily stalling people from getting what is legally theirs. It has been over three months!! and I still have n't seen final resolution.

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: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Each year I apply for an Income Driven Repayment Plan my request does not go through and it shows that I will have to pay a significantly higher amount per month. I then have to call and reapply for the payment plan I want to take effect. I was also put into forebearance this past year when I should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME

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