vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is not about my credit score. This is about Bank Of America that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Bank of America in town and all documents confirmed it was sent. When I called to follow up, they said they " could not see " the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Bank of America to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. Thank you.

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 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account with Bank of America shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My complaint is against Bank of America. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Bank of America bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Bank of America dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I applied for a loan modification for a loan that I have with Bank of America that I originally was obtained through Bank of America. I started this process in XXXX 2015. I finally was sent to underwriting and was declined ( of course ) on XXXX XXXX, 2015. I filed an appeal on XXXX XXXX, 2015, but only received letters and correspondence stating " We require additional processing time to review your appeal ''. When I contacted the author of the letter today, XXXX XXXX, he told me that it was past the appeal processing time as I had not submitted the supporting documentation. He gave me conflicting information as to was I was denied my modification and the appeal. I was initially told that I made too much money for this modification. Today I was told I did not make enough money. I questioned further and this supposed calculation was without the requested loan modification. He said I did not send in supporting documentation, but I have not been asked to submit supporting documentation. This process has become so convoluted, that each " Home Loan Team member '' does not know what each other has been doing and I believe that Bank of America has been making this process so difficult in order to make it impossible for me to keep my property. I can not get a lower interest rate for this loan and now I have been told that I can not get a loan modification. This loan was originated by Countrywide Home Loans and I believe that this was a predatory loan. I have contacted the funding company, who is Bank XXXX XXXX which this was never disclosed to me XXXX. It appears that Bank of America would rather keep the extra {$500.00} per month that I believe I am entitled to in order to keep my property. This loan was funded before interest rates decreased : 7.12 % and I have been trying for years to refinance and now modify without success and have been given numerous reasons during these processes. I do not want to lose this property and have done everything that I can to keep up on the payments. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: CA

Complaint narrative:
I noticed that the CFPB filed suit yesterday against Navient. My loans are serviced through that entity, and the CFPB description of Navient 's actions I read in y'all 's brief sounded strikingly familiar. For two years, prior to my return to XXXX school, Navient would repeatedly call me and essentially make it appear that I had no other choice but to choose forbearance. That said, I had never heard of income based repayment plans until recently, and my income was anything but at that time. In addition to being coaxed into forebearance for about 18 months, Navient was slow to recognize my right to deferment once I returned to school, and I have no evidence that they rescinded their reporting to various credit agencies as they promised to do for their error during this window of time.

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

Complaint narrative:
Re Bank of America : I used to be able to go online to make an " extra '' mortgage payment dedicated specifically to PRINCIPAL ONLY. That ease of option has been removed and now only the " standard '' payment option ( which includes bank interest ) is available online. I 'm trying to pay down the principal whenever I can, but now they expect me to physically go into a branch or physically write a check telling them that the payment is to go to principal only ( not any interest ). It 's ridiculous when I can do everything else online but not pay down my principal ... it 's a huge impediment and against consumers! They are making it more difficult to pay down the principal on a mortgage so they can be sure to collect the interest.

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 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient contacted me on one occasion and when I answered the phone, they asked for " XXXX XXXX. '' When I said they had they wrong no., the individual said you do n't know XXXX XXXX at which time I hung up. They have also left voicemail messages for someone ( who they named ) who does n't live with me, saying they are calling with reference to their student loan and want to discuss ways to lower their current monthly payments. They left return phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: NY

Complaint narrative:
Bank of america had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted bank of america in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for bank of america that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every 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 explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied for the Chase XXXX XXXX credit card which was opened on XXXX XXXX. As part of this account opening I was to receive a {$300.00} travel credit for each calendar year which must be included on in your last billing cycle for that year. On XXXX XXXX and XXXX I made travel related purchases to ensure I received the full benefit. Chase decided to only reimburse me for the purchase on the XXXX informing me they has predetermined my close date would be the XXXX. This was not documented anywhere on the opening credit card documentation, and was not available to me on their website. I was not informed of this close date until after my purchases had been made resulting in a loss of {$130.00}. Considering the card has a {$450.00} annual fee this was not desirable. When I called to report, Chase agreed with me that the information was not published online or in my opening documents but would not reimburse me saying their system did not allow for them to correct this and that they would be doing nothing else to correct my situation. It was very disappointing how they acknowledged their own system limitations but were not willing to address the situation to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.

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: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am constantly getting calls about differ t amounts and what I need to pay or am required to pay depending on who I talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am on unemployment and my husband is unemployed as well. My unemployment payout is not as predictable as a paycheck and therefore I have sustained a number of {$35.00} overdraft fees. Bank of America did refund some and I am working on getting my auto pay accounts deactivated but I have XXXX {$35.00} overdraft fees I still need refunded. The {$35.00} fees are for items some of which were under {$10.00}. Due to this I have {$95.00} to live on until next week. It will go for groceries. 
My complaint is that my unemployment deposit covered the items the bank paid the night before so it was a matter of hours. I could understand XXXX fee but they are causing more hardship than I already had financially. 

Please see if you can help me with this. 
Thank you in advance!

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 — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am the co-signer on a loan for my niece. She has stopped making the payments recently. They have started calling me sometimes 12-15 times a day, despite me contacting them repeatedly and explaining to them that I am ill on XXXX. I have on three occasions, given them the name and address of the bar my niece co-owns in Florida and have asked them to contact her for the money. She clearly HAS IT!!!! On the last occasion, the gentleman took my information to apply for hardship. I made a {$25.00} payment but the calling has gotten worse. Neither my niece nor my sister will help me out. I am SO STRESSED and so angry at my own family for this but there is nothing I can do. I want Navient to go after my niece for the money and leave me in peace. It is having an effect on my ill health.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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: CT

Complaint narrative:
My daughter has a Student loan with Navien Collection Agency ... I willing to pay them by bank check or money order ... they refuse to take my bank check or money order ... They want me to pay by debt card ... I have told them XXXX times ..I do not want to apy by them having my Debt card ..and they been giving me a hard time .... the balance to this loan is XXXX anbd willing to paid XXXX upfront by bank check or money order ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
my loan amount was {$14000.00}. in 2011 my wages were garnished {$420.00} a month. This went on for 3 years. I spoke to someone and they said my loan will be paid off in 3 years. After I contacted Navient why they were still garnishing my wages, they informed me my loan balance is {$13000.00}. I had already paid {$14000.00} from the garnishment. Yet, I still owe {$13000.00}. 3 years later I am still paying and my loan and the balance never is going down,. this has been a night mare and the worst part. The school i went to bankrupt and my degree is no longer valid. so i paid all this money for a worthless degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
Jefferson Capital Systems re-opened my account after it was charged off. There is now a missed payment showing up on my credit report ( false/ misleading ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to a Bank of America ATM at a local branch on XXXX/XXXX/16 to withdraw {$2100.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice at that time was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

Also on XXXX/XXXX/16 I went to a Bank of America ATM at a local branch to withdraw {$2300.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice again was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

The type of account that I have is an electronic only account which means that I do not get charged a monthly fee as long as I use electronic means like online and ATMs to access the account. If I do use bank personnel like a teller, I get charged a {$8.00} monthly maintenance fee on my next statement date. 

Bank of America should not be able to designate an account as a no fee checking account and then charge a fee if the transaction you request can not be completed electronically. This is like having a free parking zone for 5 seconds which is actually allowing you to park free but the functionality of the parking space is designed to charge you for practical usage. 

This practice should be disallowed at Bank of America. If an account is designated as free for electronic usage then the bank can not restrict the usage by electronic means OR the bank can not charge for in-person/teller usage if the electronic means provided by the bank does not allow your transaction to be processed.

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 2017-02-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.

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