vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a new Bank of America account in XXXX 2016. There was an unauthorized activity on my account which caused the insufficient funds and the bank wanted to close my account based on risk assessment. But when I went to the financial center and explained them the situation, they said that the insufficient funds charge had fallen off and that I would not need to file a claim. The bank also returned the NSF fees. But now after a month, my debit card was blocked and I realized from the bank that my account is being closed all of a sudden. They also are reporting me to the chexsystems, which means that I would not be able to open a new account for next 5 years in the USA. I do n't want to get penalized by not having an account for not making a mistake. I wish to get a response as soon as possible because it would create a lot of problems for me since I am just starting with my career here.

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 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and bank of america keeps charging me for this in violation of the fcba this has been going on for 5 mos now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to the intentional withholding and misrepresentation of material information and status related to a Deed of Trust, mortgage, or real property Dual Tracking has occurred causing the unlawful recording of a Notice of Default ( NOD ) resulting in the unlawful sale of any debt that may be associated with the 2007 Deed of Trust causing a Trustee 's Deed to be recorded. 

The purchasers of the debt are now claiming ownership of my property and are threatening to bring legal action in California Superior Court to have me evicted from my home. But for the unlawful actions taken by Bank of America and their Trustee, XXXX XXXX XXXX XXXX ( XXXX ), I would not currently be facing life on the streets and worse as a XXXX homeless person. And all because Bank of Ametica simply did not follow the rules. 

I did not default on Bank of America ; Bank of America detailed on me. Furthermore, Bank of America has sold my home right out from under me thereby defrauding me of my real property. No matter how Bank of America tries to spin this, I did not defraud Bank of America. 

Smart phones got apps. Consumers got Acts to protect them from companies that refuse to do the right thing or act within the limits of the law. 

All previously mentioned resolutions are desired and mandatory.

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
i was misinform that naviet took over XXXX. I was XXXX at the time and nowhere to go. when I find that naviet took over. I call to see do they had deferment they told me no. I did n't know what to do.. now I got naviet and XXXX on my credit report. naviet making my credit look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 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: FL

Complaint narrative:
I went to the Bank of America branch, located at XXXX XXXX XXXX XXXX, in XXXX, Florida on XXXX XXXX, 2013 to enter my safe deposit box. When I arrived, the bank personnel made me wait for about an hour while they tried to locate the signature card associated with my safe deposit box. After the bank was unable to locate the signature card, they decided to start a new signature card and allow me to enter my safe deposit box. When I opened the box I discovered all my belongings were missing. The only thing found in my box was a lock, which looked like it belonged to another safe deposit box, along with XXXX screws. ( This lock obviously did not belong to me. ) Bank of America said they would conduct an investigation, but they have been uncooperative and have never returned any of our missing items. Additionally, they have never taken any responsibility for the situation, despite the fact they have no plausible explanation for the missing signature card or the discovery of the safe deposit box lock in my box. The safe deposit box contained valuables and heirlooms belonging to my family. We want our items returned!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On this date, I 'm requesting a second review of my wife Bank of America/Credit Card account Dispute charges. 

The Account No : XXXXOn XXXX XXXX, 2015, my wife and I obtained a Life XXXX XXXX XXXX ( Membership Agreement ) at XXXX XXXX , XXXX XXXX . We were explained on the meeting with representative of company about the agreement, with XXXX XXXX XXXX XXXX that you can stay in any resort or XXXX Star Hotels in the United States. We only has to communicate via telephone to Customer Service and they will make ALL reservation for us. My wife did tested this membership agreement with XXXX XXXX XXXX XXXX XXXX because, we wanted to stay at the XXXX location in XXXX. On XXXX XXXX, 2015, my wife tried several time via telephone to make arrangement for a reservations to stay at a Hotel with the Family in XXXX. NO Live Person answered the via telephone at the Customer Service on the Business Card that was provided from the Sale Person : XXXX XXXX XXXX XXXX, for the Contract Agreement No : XXXX, it appears this sale agreement was done and signed under False Pretenses and the Timeshare presentations are filled with High Pressure sales Tactics, Misleading statement and downright lies. 

On XXXX XXXX, 2015, my wife communicated via a telephone with Bank of America Credit Card Customer Service to dispute this account. She communicated with the Bank of America Employee Id No : XXXX. 
The employee explains to my wife that, he will forward this dispute on reference to Credit Card Account charged to the Dispute Department to address this issue. My wife is still waiting for a final decision on this case. 

We appreciate your assist to address this issueXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cellular Phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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:
I am the co-signer with students loans serviced by Navient. They have consistently applied the money to the wrong account and then charged me a late fee. I decided to end this by having them automatically deduct the money form my bank account. Yet each month they delay the start date, so I have to send a check, which they again apply to the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I filed for an income based repayment or deferment and submitted my form electronically. I have all of the email correspondence and confirmations that the form was received, accepted and approved through the entire process. 2 months later I was denied a loan because ALL of my loans with Navient were reported late on my credit bureau. It shows still, over a year later, in excess of 12 late payments - one for each loan. 

I spent almost two hours on hold to get them to reverse what they had done. I was repeatedly told by the customer rep, then a supervisor and then another supervisor that I did n't properly submit my form although it was completed online electronically and my monthly statement showed {$0.00} due. I tried to send them the confirmations and the emails but they kept dropping my calls ( hanging up on me ). One of the supervisors did n't even notate my account. When I called back after they " had system issues that dropped the call '' I was given to another supervisor who did n't see anything the first supervisor said. It was over 30 minutes later and I was on the phone with that person for over 20 minutes and they never once notated my account. 

I have disputed the late payment on each loan with the credit report companies but Navient validates the debt. I am currently going through a federal background check for employment and they have contacted me twice now regarding late payments to the federal government. Navient 's error may cost me a job that will finally allow me to be able to afford my loan payments. I am seriously at a loss on what to do, where to turn or how to get this remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Bank of America. The check was endorsed for deposit only in my business account with XXXX. Bank of America accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: FL

Complaint narrative:
I went to school in XXXX, FL - XXXX XXXX XXXX. I graduated in a year that the economy was collapsing and jobs were nearly impossible to find. I was unemployed for almost a year after graduating from college. I called XXXX, now Navient, to ask that I have my loans deferred. The gentleman on the phone told me that I was all set and had been granted a deferment and that I would not have negative reporting on my credit score. As a young man, I am aware now that I was naive in believing that was enough - I hung up the phone in good faith that all was well. After the deferment period, I immediately began to pay almost double my monthly payment to pay XXXX back for the 7 months that I had no means to pay them. Now, almost 3 years after the incident, I pulled my credit to find they have reported XXXX missed payments ( XXXX student loans, XXXX missed payments each for the 7 months I could not even feed myself let alone pay a student loan ). I called Navient and told them of my situation. They said there is nothing that they can do for me - they do not remove negative information reported to the credit bureaus. I explained the entire situation to the man on the phone and his response was " I 'm sorry I often hear about people being misinformed by XXXX XXXX, but we are Navient and this is how we work - we will not be removing the negative information ''. Just because Navient bought out this company does not mean that I should suffer ... XXXX XXXX agreed to report no late payments to credit, and Navient should be upholding this promise to me. Especially since I have faithfully paid them double what I should be paying monthly. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: NY

Complaint narrative:
I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. 
This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. 
It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. 
Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. 
I thank you for your time and consideration. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: KS

Complaint narrative:
I took out a private student loan in the amount of {$25000.00} to attend university in XXXX in XX/XX/XXXX. Repayment has been brutal. I have since paid off two vehicles, but my repayment plans for the student loan are brutal. I now work at a non-profit company and do not make a substantial income. However, Navient keeps trying to bump my monthly repayment for over {$600.00}! They harass my retired parents who co-signed on the loan 17 years ago. I have to fight to stay on a reduced apr plan. I have n't even begun to repay principle. Seventeen years later, I still have more than {$37000.00} to pay and Navient has been unable to tell me how much I have paid over the years. It 's a prison sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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: CT

Complaint narrative:
Navient provided XXXX different IBR/IDR re-certification application dates. One is on the Navient website and the other is via email. This can cause default, in which both the government and lender profits. The dates are a month apart. That is wrong and deceiving. I 'm already in the Defense to Repayment forbearance because I can not provide for my family and the student loan payments at the same time. Check all my expenses and you 'll see I 'm not living lavishly. I can barely afford groceries. I ca n't afford to get my wife who has XXXX 's good treatment. XXXX covers so little. I 'm scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: KY

Complaint narrative:
I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 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: CA

Complaint narrative:
Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Bank Of America to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an " MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: MI

Complaint narrative:
I co-signed student loans for my Daughter, XXXX XXXX XX/XX/XXXX, who works for XX/XX/XXXX. XX/XX/XXXX I became aware XXXX was behind on her payments. Therefore, made the arrangements to guarantee payments would be caught up and always on time on all XXXX loans. As of today we have upheld our end. However and incredibly XXXX of the XXXX loans through Navient ( Loan # XXXX ) continues to report as a charge-off.Eventhough, the minimum monthly payments have all been made to this date and continue to be made. Somehow Navient made an error by not including this particular loan and reported it as a charge-off after our agreement. 
Further, each month a monthly payment is made Navient reports this update making it seem as this charge-off just happen further decreasing my credit. This is the only charge off on my credit report and has ruined my credit. 
Damages include : health insurance increased by {$40.00} a month Auto insurance increased by {$120.00} a month I have been denied credit 4 times in last 6 months Auto loan interest increased on recent van purchase. 
I have disputed this with the credit bureaus twice and Navient confirmed the chart-off status. 
I have contacted Navient at least 4 times, spent hours on the phone, literally pleading with them to to the right thing. 
Navient confirmed payments have been made but say that once an account has been Charged-off there is nothing they can do. This entire ordeal is unbelievable and I am amazed at how little fear there is of federal policy. I informed Navient I would file a lawsuit an they literally do not care. Please listen to the taped conversation I had today XX/XX/XXXXat approx. XXXX. I made sure to confirm the call was being taped and after informed the representative ( XXXX ), the secure this tape for future litigation.

Company response to consumer: Closed with monetary relief