vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was getting ready for work this evening and was caught off guard by a notification on my phone saying that my checking and savings through Bank of America was below {$25.00}. Naturally, I frantically went to the application on my phone and looked at my account. It had somehow went negative and the entire balance of my account was on hold to be withdrawn. My next reaction was to call the bank and inquire because I had no idea what was going on, I spoke to someone on the general customer help line and instead of being helpful he keeps asking me if I am 'aware ' that my account has been overdrawn and accused me of over drafting on my account, which I clearly had not because earlier in the day my account was fine. So, in addition to having my entire balance being withdrawn I 'm negative for these alleged overdraft fees as well. He tells me to call their bank fraud hotline, which I did and the guy on the phone was only slightly more helpful he told me that the charge was a " garnishment '' and gave me some random phone number to call. At this point I 'm beyond frustrated and puzzled so I call this number not sure of who I 'm going to get on the other line, it turns out to be some sort of debt collection law firm. Of course I both call them leaving a message and send an e-mail telling them to contact me immediately. I explained the situation and how I have no idea who they are, what this is for, and that by draining my entire account I 'm left temporarily destitute. Anyhow, I did more researching and this 'garnishment ' apparently was from a credit card I stopped paying when I was XXXX years old, so this was 8 years ago. My question is what on earth do I do? Is there anything that can be done through my bank? What is my next step? I 've been doing a lot of reading and if there was a judgment made on my debt, I was n't aware of it or properly notified. If I were able to afford to pay off the debt I would have. I just graduated and have a large amount of student loans, not to mention all of my other monthly expenses. What about the statute of limitations, in my state it is 7 years and my last payment on that credit card was 8 years ago. This company is supposedly located in Missouri, XXXX XXXX XXXX and their statute of limitations in that state is 10 years. The law firm representing them is located in my city and state. Does this make a difference? What are my rights and what can I do to get myself out of this terrible situation and get my money back?

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 2016-09-14 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: GA

Complaint narrative:
The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??

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 2015-04-15 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: MA

Complaint narrative:
I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
Maybe there was even a time that was true, but although the unpaid internship market is through the roof, the job market is XXXX and my degrees are not competitive. I tried so hard for so long ( 2.5 years ) to get work in my field while scrounging on XXXX, trying to land any job in any field, usually part time and/or seasonal. When offered a full time year round position, albeit for $ XXXX/hour XXXX hours/week, I took it and have given up on trying to get work in my field. 
I have about $ 300K in loans. My federal loans are fine because Income Based Repayment brings them down to $ XXXX/month- even though Navient tries their hardest to obscure that it 's an option, and wo n't even, insofar as I can tell, tell you how to apply for it. The bulk of the loans, however, are private Navient loans, and recourse is practically nonexistent. I ran up my forbearance time while un ( der ) employed ( paying {$150.00} each time- paying money to not pay money so I ultimately pay them more money? ), and then they set it to interest only payments, which still works out to over 100 % of my income. Every payment I 've ever made has been to reduce my delinquency. Now they 're saying that interest-only payments is another thing that runs out and soon they 're going to ask me for EVEN MORE money- presumably 200+ % of my paltry income. It 's not that I 'm unwilling to pay- I 've been trying to pay like 20+ % of my pathetic income toward it, occasionally jeopardizing my ability to pay for food, but at this point I think the smartest option would be just to let it go into collection cuz Massachusetts will only let them garnish 15 % of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I 'm suppose to receive the Frank Dodd XXXX every year XXXX more years. 
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month. 
A borrower should receive annual principal reduction payments in the amount of $ XXXX contacted customer service several times and they are useless. Nobody can give me a straight answer. Last year I received the incentive reward with great difficulty, but this year nothing has been received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
had a student loan from sallie mae around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to XXXX XXXX and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: CT

Complaint narrative:
We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 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:
I have received billings from multiple servicers. Not one has been able to provide with me a history of payments made on the loan since I took it out or provided me any information as to how the balance has increased so much. Additionally, being billed by XXXX different servicers at the same time I also had XXXX different amounts owing. 
I have asked repeatedly for loan documents and payment history to try to determine the true balance owing, but have not received anything. Additionally, I have tried to settle the matter and set up some plan to resolve this, but am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Was denied a loan modification from bank of america for reasons that were false. The loan is an investor loan and bofa is just the servicer. The bank indicated that investor declined the loan, but the investor was never contacted because I spoke with the portfolio manager at XXXX the investor. I was again denied on appeal. Appointments were missed by bofa because they will contact me at a number that was not the best contact number. I gave the bank the best contact number but somehow the will chose to call a different number. Reasons for the modification was hardship due to a decrease in income and increase in the mortgage payment. Decrease in income caused by medical retirement. We just completed a 4 yr successful modification and we applied for a continuation because the hardship was still in effect and had gotten worse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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: DC

Complaint narrative:
XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my bank of america account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.

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 2016-10-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been violating my constitutional civil right to access and participate in government. 
Upon the bank 's and servicer 's decision to park and stall the modification process by withholding a written determination on Appeal provided by the Appeals Department I have been unable to access and participate in the federal government Making Homes Affordable ( MHA ) programs and the status government Hardest Hit Fund ( HHF ) programs. As am American citizen, I am afforded certain constitutional civil rights and liberties. I have the right to access and participate in the federal government MHA programs and the state government HHF programs. 
Bank of America and their representatives have denied my access and participation in both MHA and HHF programs. Specifically, the MHA Home Affordable Modification Program ( HAMP ) and the HHF Unemployment Assistance ( UA ) program. 
I have asked many times before his for a detailed explanation the bank 's and servicer 's decision to deny access and participation in these government provided programs, but have been unsuccessful in getting any response whatsoever that addresses the matter. If Bank of America refuses to address my concerns now, they may have to address my concerns before a California Judge later. 
All Bank of America has to do is address my concerns directly by explaining why it is a process designed to take six months had been extended to fifty plus months and not provide a nonresponsive reply to this lates CFPB complaint. 
All other previously mentioned resolutions.

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 2017-03-13 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: FL

Complaint narrative:
My payments are being applied to the interest instead of splitting it between the principal and the interest. My loan has also increased XXXX and there is no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Sought balance to applicable and prevailing interes on various deposits and its brought to current from trend in pay breach on interes balances in this sector XXXX to XXXX XXXX Card to XXXX to XXXX to BOA

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 2015-06-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a modest savings account and rent a safety deposit box with Bank of America in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called BoA customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: CT

Complaint narrative:
on the morning of XXXX XXXX, 2016 I noticed my account was over drawn. I went to the XXXX, CT banking center to make a deposit to bring my account current. I was informed that the banking systems were down in my area XXXX XXXX XXXX, XXXX, XXXX CT, etc ) and was advised to wait until they are back up to make the deposit. Around XXXX I drove back to XXXX XXXX, CT and was advised I can then make a deposit via ATM, which I did. On XXXX XXXX, 2016 I was charged XXXX XXXX overdraft fees. I called customer service and even though they said they saw the systems were down, they would not reverse my fees due to the ATM machines were working ( even though I explained I was advised not to make any deposits as they did not know why the systems were down perhaps cyberthreat, etc ). My complaint is as follows : 1. The fees for insufficient funds are egregious 2. No compassion for their banking system not working 3. Over 10 years of banking with them, they did not care.

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 2016-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.

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 2015-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed Civil Cause # XXXX, XXXX XXXX XXXX v. Bank of America ( BOA ), in the XXXX XXXX District Court of Texas for breach of contract, slander of title, fraud, FDCPA violations and negligence on XX/XX/XXXX. My lawsuit is based on a title audit that clearly proves Bank of America was an FHA pretender lender that did not have standing to enforce the provisions of my Deed of Trust. Despite this lis pendens regarding the title to my homestead, BOA sold my property to XXXX ( XXXX ) during a substitute trustee auction on XX/XX/XXXX. XXXX 's attorney, XXXX XXXX XXXX XXXX. ( XXXX ) immediately filed Cause # XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and a default judgement for possession was entered. My lawyer appealed to the XXXX XXXX County Clerk but quit the day before I was to appear in Court-At-Law No. XXXX. The Assoc. Judge over ruled my motion for a XXXX-continuance to prepare or find legal counsel and refused to consider evidence I presented to support my adverse claim to my home. I appealed the trial court 's ruling on XX/XX/XXXX and filed a pauper 's affidavit, which according to the Texas Rules of Civil Procedures, Rule 510.9 ( 5 ) ( e ) should have stopped all adverse actions against me until the Appellant Court decides on my appeal. Despite these rules, XXXX requested a Writ of Possession on XX/XX/XXXX to evict me from the property and the writ was issued on XX/XX/XXXX in violation of the Rules. I was served by a county constable and my lawyer and I have been fighting eviction every since. Despite the fact the writ is now XXXX, XXXX and the constable have continued efforts to execute the writ and evict me from my home despite pending litigation and appeals. This is also in violation of Rule 510.8 ( d ) ( 2 ), which states a Writ of Possession can not be executed after the XXXX day after the judge signs the order for possession which was signed on XX/XX/XXXX. The XXXX XXXX XXXX Associate Judge, the XXXX XXXX XXXX office and XXXX have been avoiding my lawyer, XXXX XXXX XXXX ', efforts to have the writ lifted because of the XXXX Texas Civil Procedure rule violations. I have also been informed by the constable that they plan to execute the writ and evict me from my home within the next three days. I am contacting you because you have assumed responsibility for protecting consumers from such egregious violations of federal laws and illegal foreclosure actions. I am uploading details concerning each case. Please investigate on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
About 11 years ago I consolidated my student loans. I think it was with XXXX XXXX. At some point they were transferred to Navient. I have been working for a qualifying non-profit for nearly 10 years and was looking forward to the Public Service Student Loan Forgiveness program. Unfortunately, I have been informed that the past 10 years worth of payments do not count because I failed to consolidate under a XXXX Student Loan. I would just like to participate in the forgiveness program. Is there any way I can get the government to honor my 120 payments? If I consolidate now and start paying my new Direct Loan, I will be paid off before 10 years is up, since I 've already been paying for 10 years. It hardly seems worth it.

Company response to consumer: Closed with explanation