vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.

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 2017-01-20 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: RI

Complaint narrative:
I have several Federal Student Loans serviced by Navient. Prior to entering repayment in XXXX XXXX and since that time I have had several issues with customer service providing incomplete or inaccurate information but one instance truly stands out. As part of financing my XXXX education my mother took out a loan on my behalf. Then-XXXX described this Parent Plus loan as being in my mother 's name initially but then being my responsibility to repay following matriculation. Without this loan I would not have been able to continue my XXXX or XXXX education. Prior to XXXX XXXX I received several communications from Navient concerning my loans and, since we believed that this Parent Plus Loan was now connected to my account, we assumed all loans were included on these communications. Fast forward to XXXX XXXX and my mother receives correspondence from Navient indicating that she has defaulted on this loan and they would be notifying the Credit Bureau and withholding her Income Tax check. We did not receive ANY correspondence relating to this loan itself at any point prior to this. To our horror, we learned that this Parent Plus Loan is actually still linked to my mother 's name and there is no way to transfer it to my name, either through Navient or otherwise. The Navient representative we spoke to, XXXX, said that we must either pay all past-due payments, interest, and fees within 30 days or enter forbearance : those were the only options given to us. XXXX went on to say, " I know, they did n't really explain these well a few years ago '' ( referring to the Parent Plus Loans ). Obviously we did not have XXXX of dollars to clear up these issues so we were forced into forbearance. The forbearance period is now over and I am unable to enter into an income-based repayment plan on this loan because it is not linked to my social security number even though I am the one paying it. Navient provided incomplete, inaccurate information and completely defrauds consumers. Navient preys on desperate students and forces them into payment plans which cripple them and allows for no room to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XXXX/XXXX/15 I reached out to a Navient Ombudsman, XXXX XXXX, asking for my loans variable index, margin, and rate cap. I received the attached response, in a secured document, ( the pw is XXXX ) Navient is intentionally not disclosing the margin or rate cap so that I can not make a fully informed decision on loan refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We refinanced our home in XXXX. We were taken advantage of by predatory lending.We did not receive a Good Faith Estimate. Banking and Finance in Georgia informed me that the mortgage lender did not have a license to do business in Georgia at the time of our closing. The mortgage lender license expired XXXX XXXX, 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a follow up to dispute : XXXX Bank of America contacted me 3 times regarding the above mentioned CFPB dispute. They contacted me once by phone, once by email and a third time by phone. I was able to pickup the call on the third time and talk to an agent that mentioned to me that Bank Of America attempted to contact me ONCE in XXXX of 2015 to settle the debt associated with my credit card prior to submitting me to collections and charging off this account. 

Bank of America is notorious for deceptive practices such as this. It 's very easy for a Bank to utilize rules and laws to benefit themselves, charge off bad debt, transfer debt over to third parties for collection and access fees all under the pretense that they attempted to contact me ONCE.

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 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged me interest on new purchases in the same statement cycle they were made despite the fact that I paid my previous balance ( a 0 % balance transfer offer not expiring for another month ) in full.

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 2017-01-22 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:
Between XX/XX/XXXX-XX/XX/XXXX I was offered multiple times, by Navient, to enter into forbearance. I was never offered income-based repayment and never even knew it was an option. I have called Navient ( previously XXXX XXXX ) multiple times over the past few years to discuss repayment options, but I was never once informed that income based repayment was an option. I was also sent obscure " new document available to view '' emails which did not make clear that I was receiving a bill, and were often sorted into my spam box.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Wilber and Associates, P.C.
State: GA

Complaint narrative:
Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.

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 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2015, I terminated a lease early with XXXX XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XX/XX/2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both Transunion and XXXX to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.

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 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I cashed a check through the mobile checking app of my bank, Bank of America, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America opened a credit card account in my name without my authorization, at the same time I opened a checking account with them.

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 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IN RESPONSE TO BANK OF AMERICA N.A . STATED IN IT 'S LETTER DATED XX/XX/XXXX THEY STATED THAT THEY HAVE NOT FILED ANY COURT ACTION ON ME SINCE XX/XX/XXXX THAT IS A BLANT LIE, PLEASE SEE ATTACHED COURT DOCUMENTS THAT THEY HAVE IN FACT FILED NUMEROUS ACTION ON ME IN XX/XX/XXXX, AND PLEASE FIND ATTACHED CREDIT REPORT SHOWING THEY REPORTED AGAINST ME ALONG WITH XXXX XXXX SERVICE.IT IS IMPOSSIBLE TO DEAL WITH THESE PEOPLE THEY CA N'T BE TRUSTED.BOA FILING COURT DOC AFTER TRANSFERING THE LOAN.PLEASE ASK BOA TO EXPLAIN THEM SELF.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have never damage XXXX and XXXX to which I have spoken to and they said that they paid this bill. I should a Of the no medical bills on my credit report for they are all paid for by just insurance100 per cent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: CA

Complaint narrative:
Bank of America has been trying to collect on a credit card debt that is over 10 years old. It was a debt that I could not pay at the time due to financial hardship. They have sold this debt to various agencies in an attempt to collect this debt. If I am correct this is against FDCPA rules and regulations. My current issue is that B of A has sold this debt to XXXX XXXX XXXX and XXXX XXXX XXXX at the same time, thereby causing harm to my credit ratings at a time when I have been paying my student loans. After I explained this to XXXX companies I received a letter from XXXX on XXXX/XXXX/15 and MCM on XXXX/XXXX/15 informing me that they will not pursue this issue any longer. My concern is that B of A will continue down this pass until someone puts a stop to this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: FL

Complaint narrative:
ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a refinance of my mortgage on XX/XX/XXXX. I was approved for the refinance and worked with the new lender to obtain the required documents. During their review, they found that Bank of America had a lien on the property from a home equity line of credit dating back to XX/XX/XXXX when I first purchased the property. This lien should have been released in XX/XX/XXXX/XX/XX/XXXX when we arranged a line of credit, also from Bank of America. I initially tried to contact BOA by email on XX/XX/XXXX. BOA replied that I would need to go in person to a branch to resolve this issue. I went into the branch at XXXX in XXXX on or about XX/XX/XXXX. XXXX, the branch manager was very helpful in attempting to resolve this issue. However, the mortgage department which needed to complete the removal of the lien was not as responsive. I was told that the mortgage department required 7 - 10 business days to resolve an issue. The first document which they sent, a discharge of mortgage, was for the wrong lien. They did not provide this immediately but rather required that I wait for it to come in the mail. Eventually, XXXX received a copy and provided this to me and I realized that it was the for the wrong lien. We had to start the process over again. Again, I was told that this would require a 7 - 10 day wait. I was given the name XXXX as the individual in the mortgage department who was working on this. I attempted to contact him directly but he was on vacation. I finally reached him and he told me that I needed the BOA work order number for him to be able to help me resolve this problem. I eventually received the release of lien on XX/XX/XXXX. I am writing to complain because my pending mortgage was subject to a rate lock. This lock expired on XX/XX/XXXX. Because the lock expired, I was required to pay {$2100.00} in order to obtain the originally agreed upon rate on the new mortgage. This delay was due to Bank of America 's inefficiency. I would like for BOA to reimburse me for the increase I had to pay to obtain the lower rate.

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 2016-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have XXXX ( now NAVIENT ) student loan " late fees '' unlawfully reported on my credit report. I had a forbearance and still have an extended forbearance. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, sporadically died after being diagnosed with a XXXX caused from XXXX in our rent house of 2.5 years that the owners discreetly knew of. 
XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

My credit report currently has XXXX reporting late fees six times! They knew what happened because I called and explained after it happened. I had XXXX simultaneous extenuating circumstances, I want the late fees removed. I 've called to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, denied buying a house, and if I try to apply for anything else I 'll have the same problem. I bust my tail at work, plan to finish the remaining XXXX courses of my XXXX degree, and live a joyful, successful life, I need my credit to be in excellent standing for this. 

These intentionally faulty claims on my credit report are n't my fault. I will not allow it to continue to destroy my life because the people at XXXX attempted to punish me by ruining my credit report. 

It 's been difficult enough picking up the pieces and rebuilding my life the best I 'm able over the last two years after multiple losses, the wrongful death of my Best Friend, paying bills, having to save money to buy a replacement vehicle, and having to replace everything from my rent house because it was ruined by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: MA

Complaint narrative:
While still in school I was given the option to put my loan in forbearance by XXXX. I was not told that interest would accrue. No one explained the implications to me.

Company response to consumer: Closed with explanation