vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In early XX/XX/XXXX, Bank of America suspended my Home Equity Line of Credit. After a couple of weeks trying to find anyone who had any clue what was going on, I was finally told " it 's being closed because you use it as a transactional account ''. I explained that reason was nonsensical, and that my loan contract provides specific reasons why the account can be closed. I read each reason, and was told each of them do not apply. The response was simply that Bank of America can do whatever they want, and since the decision was made they do not have to justify it. I insisted on speaking to a supervisor, and was promised a callback from a XXXX. I never received any calls. 

I submitted a CFPB complaint in XX/XX/XXXX about this matter. After " looking into it '', it was simply reiterated that they 're closing it because it was " not used as intended ''. I explained there is no specified intended use, and closing it is a breech of contract. I was then told that they havent closed my account, just suspended it, thus there is no breech of contract. I then had to point out that my contract has reasons why the account can be suspended, in addition to reasons it can be terminated, and it was becoming obvious that no one at BofA had actually read the contract to which they are bound. At which point the representative became non-responsive, only repeating that the reasons do not matter and BofA can do whatever they want with no need to justify it. I again requested a supervisor to deal with this blantant non-responsive response, and was promised a callback within XXXX hours. No call was received, and all further attempts to followup has resulted in my voicemails being ignored. 

At the advice of the CFPB Ombudsman, I am resubmitting this complaint in the expectation a new XXXX Representative will treat it seriously and actually research the complaint, and address the issues involved.

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 2016-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2016 my employer sent my salary by way of direct deposit to a Chase checking account where I was no longer the account holder. I contacted Chase Bank on XX/XX/2016 when I realized that my check was not rerouted to my new bank. I spoke to a Chase employee in collections and overdraft protection, who informed me after talking to her senior specialist that my check would be rejected and returned to my payroll department, and it would take 4 days. 


In 4 days I began to call Chase Bank again and I continuously called the bank for information because the check was not returned. On XX/XX/2016, I was lastly informed that due to the fact that the account was in the negative it does not matter if I am no longer on the account, they are not going to return it and that the request need to come from my Human Resource Department to request the return of the deposit if it was deposited into the incorrect account. 

I contacted my payroll department who informed me that they were not familiar with that process and if a direct deposit by error is deposited into an account which I am no longer the account holder the Bank should return the check. Being the XXXX, I sent a request on City letterhead via certified mail to the Executive Offices of Chase Bank at XXXX XXXX XXXX XXXX Tx, XXXX requesting the refund of the check on XX/XX/2016. I requested a return explaining the check was deposited into an incorrect account and I have not received a response to my letter or a refund of my misapplied funds. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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:
Navient is servicing both my federal student loans, as well as a private loan obtained while I was an XXXX. Due to my limited income as an XXXX, my federal loans are being repaid through the Income-Based Repayment option and they are current. However, my private loan, which initially totaled {$31000.00}, is now more than {$80000.00} as a result of usurious interest rates ( 10.75 % ) and numerous forbearances granted while in graduate school. On XX/XX/2017, Navient agreed to lower the interest rate and reduced my monthly payment to {$340.00} per month for 18 months. My account was automatically debited for two such payments ( one in XX/XX/XXXX and another in XX/XX/XXXX ). Without warning or explanation, Navient increased the payment to {$1800.00} per month on XX/XX/XXXX - more than I actually earn each month. 

Navient 's approach to loan servicing is disingenuous and borders on fraud. These practices have been well-documented by the CFPB and forms the basis of the Bureau 's recent legal action against Navient. I sincerely hope that the CFPB continues to pressure Navient, through the courts, to cease and desist in these fraudulent practices and that those of us who have been injured, despite our good faith efforts to resolve our financial obligations, finally receive just remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I found out today that due to Bank of America mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a BOA branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if BOA will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at BOA was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the BOA account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Bank Of America to XXXX. 

I would appreciate if someone from BOA would clarify with early warning services as to why they closed my account. 

The ATM number XXXX

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My Navient loans have variable interest rates with NO MAXIMUM. Right now there are currently at 11.42 % and are consistently increasing, i.e. they have never decreased in the 6 years since I 've signed. I 've asked Navient to provide me with a formal letter stating this to attach here and they will not. I wonder if this is because it 's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am purchasing a house and my mother and my sister wire transferred my funds from XXXX which I can use toward the purchase of a house. The wire transfer from my sister XXXX XXXX are held by the Bank of America. The funds came in on XXXX XXXX, 2015. Bank of America requested some additional information from the sending institution in XXXX, such as the name and the physical address of the originator and the complete physical address and the economic need for the wire transfer. They got all the necessary information back on XXXX XXXX. However, Bank of America still does not release the funds. I have a settlement on XXXX XXXX, 2015. When I called the Wire Transfer Department at XXXX I was advised by XXXX that the Bank has a right to keep these money for as long as they need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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: TX

Complaint narrative:
I first sent complaint to XXXX XXXX of the XXXX XXXX. He deals with problems. 
He said to contact you. 
I undid an Annunity with Merrill Lynch XX/XX/XXXX. I had held it past 7 years so theysaid I could do that as I prepared to downsize and have money to put down on a house until sold present one. 
What I did not know until tax season here XX/XX/XXXX that there was a " GAIN '' on it and I would pay more then a few hundred on the gain. 

I was not familiar with gains on this type thing and Was told legally by Merrill Lynch they can not even discuss gains or use that term. I apparently waived paying taxes thinking it would just be a few hundred dollars!!!! 
Little did I know I owed {$7000.00}!!!! 

I have talked for 3months to Merrill Lynch and have no satisfaction. They have said Legally they have done everything right. They told me government set up this rule to not discuss gains and that is upto me as a consumer to know or ask, so I am out of luck. 

There is a lady in XXXX with Merrill Lynch that has done the research and sending the paperwork to me!!!! 
So all I Know is I live in XXXX, XXXX and apparently some banking rules need to be changed so another XXXX citizen does not literally pay the price like I did. 

SincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient Student Loans have called me 8 times today starting at XXXX. They are calling my home phone as well as my cell phone. 

I pay my student loan every month and as soon as I am one day late the phone calls start coming at XXXX. until XXXX. It is not like I am 30 days late. I am so tired of being harassed by a company where I pay my bill every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has made numerous phone calls to my place of employment. I have asked them on XXXX occasions to remove my employer 's number from their records and to not contact me there as it will jeopardize my employment. I also informed them of my rights under the Fair Credit reporting act and they initially, each time, agreed to remove the work number. I AGAIN received a call today at work. This continued harassment is jeopardizing my employment and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: WA

Complaint narrative:
I attended XXXX XXXX University for XXXX classes, then transferred to XXXX University due to my inability to get XXXX services to correct an issue submitting assignments. Now after withdrawing from this ( for profit ) school, they are saying that I owe them for the full tuition amount. This is negatively affecting my credit rating and impeding my ability to acquire housing and employment. I am XXXX and currently unemployed and homeless and unable to pay {$5.00}, XXXX full-tuition 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 explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MN

Complaint narrative:
XXXX XXXX was originally collecting a debt of XXXX from me which was accumulated when they continued to charge me monthly for a contract phone I was not using. I was on my credit account as a debt collection for two years than disappeared. It reappeared but this time it is under the company Jefferson Capital Systems. They sent me a letter saying they are offering me a discounted amount to pay off my debt which I did pay off in full. It showed that my balance was at XXXX. Now on my credit account they continue to have the account open and claim I owe them a balance of XXXX which is not correct. Now I am not so sure this is a collection on the behalf of XXXX XXXX, it is possible they could have found that information and are claiming to collect it on XXXX 's behalf. Now my credit score is being affected by something I paid off and I am not so sure my money was given to the right party. I have tried disputing it, but they keep lying even though I have provided proof of the letter and payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a " he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: IL

Complaint narrative:
I have XXXX acess to my online account since XX/XX/2016. When you call their toll free number XXXX and XXXX it says that they are temporarily closed and they hang up on you. I do n't receive anything in the mail so I have no idea what I owe. I do n't want to send a paper check because at this point I do n't trust this company and they probably wo n't able the payment how I want it and plus how would I even know if I do n't have access to anything. I do n't understand how this is legal. For a credit card or mortgage they have to send you statements and give you access online but it seems like student loans are allowed to do whatever they want without any consequences. If this is not solved I am going to go to the media so they can see how great it is to get a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently applied for a HELOC from Bank of America since I have been banking with them for over 22 years. I joined XXXX Bank in XXXX which is bought by BOA in XXXX. I was expecting a concierge level support since I have been Banking with them for a while and to my dismay my experience have been the worst ever so far. I clearly told the BoA rep I was trying to refinance my existing HELOC from XXXX Bank which had a loan to value of 80 %. I was told that as long as I have credit score over XXXX and the value of property is above 950K that should not be a problem. I have been assigned to a processor called XXXX and we have been playing phone tags for last 4 weeks and never had a chance to get hold of her. I have spoken to multiple customer care reps last few weeks and I am hearing the different stories from them. I even escalated to a supervisor twice and they promised that he will expedite handling of my file which is a complete lie and I am extremely frustrated about the way they handle my file so far and I wasted so much time talking to BOA on the phone and ca n't get anything done. Appraised value of my property is XXXX and my credit score over 730 and I got this letter from BOA America stating that they ca n't refinance my existing Heloc and my application got rejected. When I talked to supervisor called XXXX she told me that they have a counter offer of 75 % LTV and BOA rep will follow me. When I spoke to BOA rep called XXXX he told that he ca n't even consider 75 % LTV and maximum they can offer is XXXX due to too many inquiries in my credit report and some late payments back in XXXX time frame. I explained to BOA rep that I have been shopping for a mortgage for a while and due to that I have some inquiries from other Banks which was not converted to loans. I also told them late payments were due to short sale due to an extra ordinary circumstances back in XXXX and explained to BOA rep none of previous banks denied credit due to this issue and XXXX and Credit unions offered me 80 % LTV Helocs in the past after completing 3 years of short sale and I never had a pleasure to bank with them over 22 years similar to the way that I have been Banking with BOA. I am very familiar with Helocs since I had atleast 10 of them for last 20 plus years and BOA did n't have a courtesy of asking me what went wrong back in XXXX. Instead they flatly rejected my original offer and the story keeps changing every time I spoke to BOA rep.

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 2016-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America extended {$50000.00} line of credit loan to borrower, who was co-trustee of a trust. Modest family home was the only trust asset. Title search was never done by bank, else they would have discovered in the Trust document AND paperwork recorded with XXXX County, CA, that financial transactions could not be made without the approval of BOTH trustees. This was a fraudulent loan done by B of A. Borrower, an XXXX who was n't married and had no children, died last year and his sister, the other co-trustee, is survivor trustee. She had no knowledge of the loan, never approved the loan, and never benefited from the loan. How the money was spent is unknown, and he had no assets. After repeated contacts with Bank of America ( since XX/XX/XXXX ), they have just informed her in XX/XX/XXXX that they will not forgive the loan, and are threatening her with foreclosure on the house. She lives in XXXX California, has very little money, and takes care of a XXXX grandson. She has no money to pay court fees, even if the attorney worked for free. {$50000.00} is a " fortune '' to her, while it 's " small change '' to Bank of America. I have ALL documents to prove this, and it 's a very straightforward issue. Bank of America had no legal right to extend this loan to an unauthorized borrower, and has no legal right to demand the innocent victim to pay it off, else lose her home.

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 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
For years I was only given forbearance options and my loan has skyrocketed to over 110k because of the interest capitalization and origination fees. That was never explained to me nor did I completely understood my options at the time. Forbearance was the only option offered. I believe when I completed my XXXX program ( Never could finish my dissertation ), I could not afford any additional loan and my balance at the time was only XXXX. Now I am not even going to school and it ballooned XXXX higher.

Company response to consumer: Closed with explanation