vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 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: ID

Complaint narrative:
When I opened my checking account with Bank of America XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
I have had a XXXX credit card with First Bankcard ( ACCT # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) which was used by my small business, XXXX XXXX XXXX. An employee had access to this card and once they had left the company, I had called First Bankcard and asked them to suspend it to prevent unauthorized use or fraud. I was told that I could have another card reissued and provide access to the new employee once I the hiring process was complete. The problem is that First BankCard disqualified me from accessing the XXXX reward points I had painstakingly accrued over the past few years. According to them, all of their obligations regarding the reward points have been eliminated because of my attempt to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I ( we ) had a mortgage through Bank of America. We filed bankruptcy ( chapter XXXX ) and completed the payment plan. The mortgage was not dischargable as it was a long term debt. I have filed several disputes with the credit reporting agencies, but after " investigating '' the dispute, BOA still lists the debt as discharged.

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 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been contacted first saying and paying for one year {$1.00} so my loan would n't go into default. I 've called them on several occasions explaining to them that I am a single mother of XXXX but XXXX live with me the other is serving in the XXXX they say they will send me papers to help me with my student loan yet I never received anything. I receive medical food stamps and am on section 8 I have explained to them I am in financial hardship yet still I have n't received any paperwork from them all they do is keep charging interest it 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
My husband and I were looking into purchasing a second home in XXXX, XXXX we were told by our mortgage broker that we were pre-approved up to {$220000.00}. 
At which point I asked for the pre approval letter and was given the run around by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Direct : ( XXXX ) XXXX Office : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX # XXXX, she told us she would send it to our realtor XXXX XXXX once we have chosen a property - which we did. XXXX XXXX XXXX also tells me she never received the pre-approval letter from the mortgage company. 
When we first applied for the loan we understood that our debt to income was high that we needed to pay off some bills - which we gladly did. As time went on she told us we needed to pay all pending debt which she knew we could n't do because if we did so we would not be able to afford this home. Her answer to me was " well I guess you 're going to lose your earnest money ''. My Husband " XXXX XXXX '' emailed her the following day ( this last Monday ) to see why the situation had changed - she never replied. 
I soon called XXXX XXXX XXXX and tried to get a loan through them and they said we simply did not qualify. Then I tried a second lender and got the same answer. 
Had I 'd been advised from the beginning that we did not qualify for the loan, we never would have paid {$20000.00}. in debt nor would we have flown up to XXXX ( and spent more money ) to look at homes. We are in the middle of trying to sell our current home in XXXX, XXXX and these funds could have been towards this. 
It seems to me that XXXX XXXX was just trying to make a quick buck! I do not understand how I can be pre-approved and then be rejected by all other lenders. This was extremely unethical and it is because of such business practices that we are in the shape we are in!!! 

Please help! 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: CA

Complaint narrative:
I have both Federal and Private loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My mortgage loan was sold to Bank of America ( BOA ) approximately 2 months ago. Today is received a thank you letter from BOA for enrolling in their PayPlan12, BOA 's monthly automatic payment deduction service. There 's only one problem - i never signed up for their plan. I called BOA and after a 35 minute ordeal they assured me that they had removed me from PayPlan12. Given that paperless payment is in BOA 's self-interest, and the fact that i never signed up for their plan, it seems to me BOA 's unilateral action rises to the level of 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 2015-11-02 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: NJ

Complaint narrative:
Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA " sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is " charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: DC

Complaint narrative:
I did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. 

Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! 

Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! 
XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... 

Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... 
-Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. 
Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: NC

Complaint narrative:
My monthly payment is {$800.00}. I made my payments faithfully and when due. I made my payment, in full, XX/XX/XXXX. I received an email XX/XX/XXXX stating that my account is past due. I logged on to Navients because I thought it was a mistake, only to find that it stated I have a past due amount of {$230.00}. I called and they stated that it was accurate and keep sending me to multiple people, only for them to tell me the same thing. They then offer me an opportunity for forbearance, which I did not want. I have documentation that I exported from their website and from my bank account that shows the payment was made on time. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My debit card was compromised, I believe as part of a card skimming scam, and a {$160.00} charge was made at an XXXX car rental facility.

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 2015-10-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a private loan with Navient. I am trying to pay my loan ; however, I do not currently have the income to make the entire payment. I have been trying to get the payment reduced for almost a year now, but they will not allow it. The only option I am given is to pay {$100.00} to put the loan in forbearance for one month. However, their " sister '' company has a program in place to allow you to pay based on your income, which is much more reasonable. I do n't understand why Navient would not have a similar option available, especially in an economy such as ours. It is understandable that people are not able to pay there loans in the amount they are demanding. They should by law have to offer more payment options so that you can pay your bill and not have your credit negatively affected. This process seems unfair and in many ways illegal. I am hoping something can be done about it. I really someone to help me on this matter. Thank you.

Company response to consumer: Closed with explanation