vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an equity loan with Bank of America that was paid off on XXXX/XXXX/16. I have requested NUMEROUS times for them to send me an accounting of the figures closing out the loan. I believe it is call the Truth and Lending statement. They have continually refused and previously I complained to you because they refused to give me any information on this loan other than charging me an outrageous amount of interest that they did not break down or define at how it was arrived at. My prior case with you is, XXXX # XXXX. I received a letter from Bank of America today from their department that handles loans discharged in bankruptcy and has to do with my default. My loan has been paid in full. All I want is an accurate accounting of the end figures on that loan and now they have it in the resolution department in discharging a debt. I DEMAND FROM THEM A TRUTH AND LENDING STATEMENT AS TO WHAT HAPPENED AFTER MY LAST MONTHLY PAYMENT OF THE LOAN. i HAVE NOT DEFAULTED ON ANY LOAN AND IT HAS BEEN PAID IN FULL AND ACTUALLY HAS BEEN OVERPAID. I would also like to know Bank of America 's usual practices when a loan is paid off and how many XXXX people they are ripping off. Thank you for looking into this matter for me. XXXX XXXX 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 explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Bank of America ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Bank of America within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: IN

Complaint narrative:
Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During the housing collapse where consumers were getting encouraged to take out illegal loans, I purchased a home with a countrywide mortgage. It was a first and second mortgage. 

Bank of america strategically sold my first when it was announced that they would have to modify the existing loans. That left me unable to combine a 1st and a 2nd mortgage. My second mortgage was XXXX at 8.825 %. I have been paying for 10 years and the principal is now {$38000.00} while never missing a payment. bank of America has received {$33000.00} in interest. I need help getting a new interest rate or modify this loan

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 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am in the process of repaying back my private student loans and there is a payment plan set up with Navients collection program. they refused to lower my payments and went as far of telling me if I do n't start paying them within a 7 day period, then my wages would be garnished. these loans have been paid on for almost 3 years but they are still showing up on my credit report of monthly missed payment even though they are being paid. they refuse to update their information and show that my payment is going through even though its out of my bank account and posted to their website. I can get no one who speaks English to help me out and im not unable to apply for a loan for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: PA

Complaint narrative:
I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2013, and finished paying them off at the end of last year. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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:
I currently have student loans serviced by Navient. I am also a co-signer on my brother 's student loans. When I login to my account to pay my loans, my brother 's loans are presented as part of my total student loan payment. My cosigner agreement states that I am a guarantee for my brother 's loans, not primarily liable. However, the Navient website is deceptive, and makes it appear as though I am primarily liable for my brother 's loans, even though he is making payments on them. 
I want my brother 's loans removed from my account summary page, and for Navient to stop deceiving me into thinking that I am primarily responsible for this debt. I believe that this practice is a violation of my state 's Consumer Protection Act as well as the Fair Debt Collection Practices Act ( FDCPA ). 
I called Navient and was lied to by the representative, who told me that I am equally responsible for making these payments even though my brother is current on his payments. I was told that this could not be removed from my account. 
These deceptive practices need to stop. I will consider any and all legal action, including a class action lawsuit if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am in need of a consultation on a BofA mortgage in pre-foreclosure on my deceased Mom 's co-op in XXXX, NY. The co-op is in her name alone, though I have been living there since XXXX. FDIC law guidelines from XXXX state that a predatory or abusive lending practice includes offering a mortgage when the mortgagee has no ability to repay, which was my mother 's case when she was offered the mortgage in XXXX, as she could not repay a {$250000.00} loan living on {$1800.00} a month social security. My question is does this abusive bank practice invalidate their legal claim on the property?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Bank of AmericaXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, I was informed that once I made XXXX 2015 payment, Customer Service Representatives name would be removed from my account and then I could have the funds allocated as payment instead of to principal. No one was ever able to explain why Customer Service Representatives name was attached to my account since my Trial Modification Period was over. Please explain this process that is not indicated in my Trail Modification agreement. 
I have been given numerous timeframes, from immediately after XXXX XXXX payment to XXXX days after, about when the {$950.00} will be released so that I can allocate as a monthly payment. I am constantly getting misinformation from Bank of America Customer Service Representatives and their Supervisors. Please clarify when the {$950.00} will be released and why it was applied to principal and not as payment initially. Why was I not asked what I wanted done with the money? I have asked numerous times for documentation in writing, but was informed I could not have information in writing. I would just want Bank of America to quit changing the rules to benefit themselves. Why if Bank of America is following their standard policy and procedures can I not have information in writing regarding my account? 
After much research, my Customer Service Representative informed me on XXXX XXXX, that I would not be able to move money so I could allocate as payment and it has to stay as principal. Initially I was told that the payment had been used for my XXXX and part of XXXX payment. I informed Customer Service Representative that was not correct my modification agreement dated XXXX XXXX, 2015 stated that my first modified payment was due XXXX XXXX, 2015. Why recourse do I have since Bank of America has decided they will do what they want with my money. 

I still question if this is their normal process, why no one was able to inform me initial when I questioned movement of the funds. It is obvious that I need the modification why would they assume that I did not need this money allocated to benefit me. The trail modification calculations had already been done when the payments were received by Bank of America, so they were not included but now I am being told if they move the money, it will make me behind in my payments. I honored my agreement with the trail modification, why can I not get the same honor from Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.

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 non-monetary relief
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I was charged an exorbitant amount of interest, so much so it made it impossible to make payments on my students loans whatsoever. Places like XXXX XXXX now Navient would n't work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
25 years later I 'm still fighting a losing battle with my student loan. I am making the minimum payment it 's all in an effort but because of the interest my loan stays the same every month every year. I am on a student loan treadmill XXXX of which the loan will never be paid off most of the payment is going towards interest how is this legal? I really think we need to look at the student situation in this country and make some changes the interest rate should be kept very low for both subsidizing unsubsidized loan my current loan is 9 % on the {$13000.00} balance which is more than it was 25 years ago today. XXXX have mercy, I am sure I 'm not the only person in the situation, please do something are there any plans to change this or help with for people like myself or tax abiding citizens who do not work in the public sector? Please help this is making me in the American people poor in America and banks very rich.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This issue is with Bank America charging me for condo fees that were never in default. I was working with BA with XXXX XXXX about this issue. The last conversation I had with XXXX XXXX is that I had proof that the fees were never paid to my Condo Association and I would mail them to him.. I then contacted my bank and received a bank statement showing no payments from BA were paid. I sent a letter to BA on XXXX XXXX, XXXX with the document. Before receiving the letter BA sent me a letter that I was " no longer eligable '' for a dedicated emploee to handle my complaint. { Enterprise Customer Care Resolution group } and rejected my claim. BA did not review my proof and has not produced their checks showing payments. The letter with proof was not received by BA to address my complaint before, BA made their decision. Further, BA has never produced copies of checks proving payment. The details of my complaint are below : Bank America charged me for XXXX Home Owners Association Fees ( HOA ) that were never paid to my Condo Association and they were not deleted from my Loan Modification fees. I was not in default of my Condo Fees.. I submited the following documents to BA. A copy of BA Transaction Report page XXXX which shows in the payments column XXXX ltems dated XXXX/XXXX/XXXX for {$4100.00} and {$4700.00} for a total of {$8900.00} charged on my Loan Modification Agreement. The condo fees were not in default. I mailed a copy of the bank statement made to my Condo Association showing that no payments were charged. The result is that BA charged the fees incorrectly and the fees should be returned to me. I am unable to attach the documents to this complaint.

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 2016-09-23 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: IL

Complaint narrative:
On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my 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 2017-02-10 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: PA

Complaint narrative:
Every month I pay about {$700.00} more than my minimum due on my student loans. In an effort to pay off the loans as fast as possible, the extra money goes into the loan with the highest interest rate until it is paid in full. Minimums are paid on all of the other loans. Thus, I was paying minimum dues on my Navient loans, only to realize that the monthly due is constantly being adjusted. From one month to the next, my total balance due had actually INCREASED. Also, when making a payment online, there is no option for dictating how over-payement should be processed. Navient 's website provides no formal / downloadable statements and no easy way to really track the status of the loan. This seemed deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX I purchased an airline ticket online with XXXX airline using my bank of america credit card. Airline emailed me a receipt for {$580.00}. However, bank of america added a foreign transaction fee of XXXX to my statement. When I called the bank of america their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by bank of america and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 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:
On XXXX/XXXX/2015 about XXXX Jefferson Capital Systems Collection Agency sent a person to my apartment to deliver a Summons court order from XXXX county court. Only my XXXX XXXX XXXX and my XXXX XXXX XXXX daughters were there and he forced my older daughter to sign these documents. Since she 's a minor she should n't had been force to sign just to get these documents delivered? or does she?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a mortgage with Bank of America and sold my home in 2010. 
I signed closing papers, closed out the mortgage, transferred ownership of the property. 
Bank of America today still has my mortgage reported as open, reporting past due balances in excess of XXXX, negatively impacting my credit. 
I have attempted several contacts directly to BOA, always with the same response, someone will get back to me shortly. Several months later, no one has.

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 non-monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2015, I contacted Bank of America supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Bank of America refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account.

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