vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my BOA credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Bank of America to investigate this merchant.

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 2016-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Deposited 2 checks at BankofAmerica ATM on XX/XX/2016. Machine jammed with 2 checks stuck inside. Bank did not turn machine off. Bank Teller ( Teller Assist ) told me it would have to be recovered when machine was serviced and to file a claim. Filed claim immediately. 

Machine serviced on XX/XX/2016. Per bank rep, all checks removed and part of process is checking for jammed checks. 

As of XXXX CST XX/XX/2016 Bank still can not tell me if my XXXX checks were recovered from machine. Bank says may take " up to 45 days '' to determine if checks were recovered or not. By then the machine will have been serviced approximately a DOZEN times since per the bank, this machine gets serviced twice a week. 45 days to determine presence or absence of my checks. If the machine subsequently spit my checks out to the next customer bc the bank refused to turn off the machine, that means some stranger has both of my checks which are endorsed. In that case, I need to rush to have my employer put a stop payment on them. If they DO HAVE them, then why in the world cant they tell me that and move along with depositing them as I instructed. So obviously I need to know asap.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2016 I accidentally double-paid the significant outstanding balance of my Bank of America XXXX account. I owed about {$26000.00} and I mistakenly made two payments totally {$52000.00}. My error! I immediately contacted BOA and asked that the second {$26000.00} payment be reversed and returned to my XXXX checking account. My credit line and other assets covered the over-payment with personal financial impact. After many phone calls and a waiting period, on XX/XX/2016 about {$26000.00} was taken out of my BOA account and I was told the amount would be in my checking account " tomorrow '', or " 3-5 business days '', or " 7-10 business days '' depending upon who answered my phone call. It is now XX/XX/2016 and the money is STILL not in my checking account. Even today I was promised " tomorrow '', or Friday, or next week. Fool me once, shame on me. Fool me more than a dozen times then shame on the Bank of America. Even if the BOA promise of " tomorrow '' actually happens, I 'm formally filing a complaint and trust that CFPB will take action.

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 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. 
I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. 
Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. 


I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 

I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.

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 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX 2014 I applied to Bank of America to refinance all XXXX properties at the end of modification. My home payment increased significantly and it will increase several more times I have XXXX more years on my home loan. XXXX of 2014 I was told they will not refinance the loans without a reason. I would like to know why I was turned down

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, I received a phone call from someone claiming to be a representative from Navient corporation. The representative 's name was XXXX XXXX. 

The call came to my mothers home phone number. I asked the representative how she got this phone number. She told me I gave it to them. I told her that this was not true. The only phone number under my account that navient is authorized to call is my cell phone number. I have deleted all other numbers from my online account, and as of XXXX XXXX I had all other phone numbers removed from my account. I have explicitly told several Navient representatives, including most recently my " account representative '' XXXX XXXX, that the only number I can be reached at is my cell phone number. 

The representative told me she was calling me regarding a complaint, and wanted to verify my information. Again, I told the representative the only contact information I have provided regarding a complaint with Navient is my cell phone number. The representative asked me to verify some information before she could speak to me about the complaint. I asked her which complaint she was calling about, as there are XXXX complaints filed against them, not including this one. The representative refused to tell me until I verified my Social Security number and other information. I told her I would not give her any personal information until she verified what complaint she was calling about. The representative continued to argue with me, and I told her I would file another complaint about her behavior. The representative told me to file as many complaints as I wished. When I refused to verify my information until she told me what complaint she was calling about, she hung up the phone. The only reason I asked this is because navient contacted me on my mothers home phone rather than my cell as I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was surprised to see a foreign transaction fee on my credit card statement as I had no foreign transactions that I knew about. I called FIA Card Services and was told XXXX of my transactions, through the XXXX, had been processed thorough a foreign bank. 
I called XXXX and was told that, yes, XXXX transaction out of my several purchases with them that day had been processed through a foreign bank. Others had been through domestic banks even though at least XXXX other was from a foreign vendor. The representative said he was surprised I had been charged a fee, but that it was my credit card company that had made that determination in error, not XXXX. 
I have bought and sold hundreds of books through XXXX and never once ( before this ) seen a foreign transaction fee. Oddly, he reimbursed the fee while saying the issue was with the credit card company. 
I called FIA Services again to see why the error had been made. The representative said XXXX had coded this as a foreign transaction from a foreign vendor, that they had not made any error. Then she also reimbursed the fee even though I said I was not asking for reimbursement, only to understand how to avoid foreign fees in the future when there was no process of notification that a foreign transaction fee would be assessed. She indicated there was no way to know. 
So my questions are these : Is anyone supposed to notify me that a foreign transaction fee is possible when buying from third-party vendors? How is it I can be charged a 3 % fee with no prior notification? Why is that my cost of business, not theirs? It seems to me XXXX has an obligation to inform me of an impending foreign transaction fee before the fact, not after the fact. Could you please explain how one is to manage this aspect of on-line business? Just what are the regulations pertaining to this? 
Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: MO

Complaint narrative:
I have had an extended loan with XXXX, when I first started my payments I put in multiple instructions that my principal be paid on first and not interest, I 've noticed for white sometime I ask for statements on balanced, but in XX/XX/2010 I owed a little over {$10000.00} and I still owe the same amount, and paying XXXX $ a month for so long, I should n't owe that much, and they wo n't give me any statements, they tell me go online it 's all online, there 's not one spot online that shows my beginning Balance I started with after quitting school to now showing how much I 've paid on my loan, I 've been making payments for a long time, but my Balance owed is the same as 7 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: VA

Complaint narrative:
I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Bottom line is this has been the worst brokerage and banking relationship I have ever experienced. Considering I have always attempted to try to build a solid relationship with any company I deal with, in this case, being with Scottrade, especially in the end, it was highly disruptive to my life financially. 

A day ago, this company closed my account without warning, claiming I was using my account for business purchases and that it was company policy to do so. Sure, there was much activity in my account. But who 's to say I was making these purchases for personal reasons?! And further, who the heck tells me how to spend my money?! I work XXXX hard for the money that I both earn and trade, and it carries heavy weight in my everyday life. So when Scottrade XXXX my account with an over {$60000.00} balance, it created a strong hindrance from that point on. 

Bill payments had to be delayed, and simple everyday operations had to be placed on hold. Never in my life had I receive such low disregard and terrible treatment for a loyal customer. And to further the disgust of company operations, when I wanted to speak with a supervisor about all of this, I was transferred to my local branch instead and had to deal with a middle associate. 

I would love to point out that there were n't any illegal transactions made, no negative balances occurred, or no tainted or disrespectful conversation or acknowledgment toward staff. I honestly ca n't think of anything I did to deserve this type of treatment. I only made purchases and completed needed transactions when I needed to. I only used a bank account in a way that a bank account was used for. Overall, this company should be much better than it is. And I would n't return within its ranks, even if it paid me $ XXXX to do so.

Company response to consumer: Closed
Consumer complaint received 2017-01-25 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.

Complaint narrative:
I spoke on the phone with Navient about repayment options. They said I could have a forebearance. I asked if that would affect my interest rate and they said not as long as I began repayments on time when the forebearance ends. I have had a fixed interest rate of 1.75 % ( 2 % with 0.25 % benefit for automatic payments ) for at least 10 years and since I consolidated the loan when it was with XXXX. It has since been sold on a few times. Now Navient has raised the interest rate by 1 %, claiming that was a benefit and that when they read me the XXXX and XXXX it said I may forfeit " certain benefits '' of on-time repayment. It was never made clear that I had that 1 % as a benefit, nor that I would lose it. I asked multiple times to ensure my interest rate would stay the same, since it is quite low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A prepayment large fee was charged Did not give us the 5 days notice this was happening. Had no knowledge at the original time of the loan this existed

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 2016-07-25 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: OH

Complaint narrative:
Bank of America had changed the term of my checking account to add a monthly fee for my account in 2015. After I had many weeks of disputes with them and finally contacted the CFPB when they charged not only the fee, but also an overdraft fee to my account. Subsequent to that discussion, BofA contacted me and told me the fee would be waived. They 've resumed charging the fee again this XXXX and have continued after I started putting direct deposits greater than the XXXX minimum limit previously set, and I 've now noticed that they 've set the requirement to greater than {$250.00} in one direct deposit. This practice is unclear and clearly intended to mislead consumers.

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 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX 2015 I began a process to get a home equity line of credit from XXXX XXXX Bank in XXXX New York. They found out that Bank of America, who had taken over my loan from now defunct XXXX XXXX XXXX. While BOA did pay the loan off, they never got a lien release, therefore the new bank would not grant a home equity loan. I have worked with numerous people in Bank Of America and after 9 months, they produce an ASSIGNMENT OF MORTGAGE from a representative of the defunct mortgage company. HOWEVER ... THEY DID NOT USE THE APPROPRIATE LANGUAGE and has been rejected by The XXXX XXXX XXXX and XXXX XXXX Bank as it still shows that I have a lien that does not exist! 
It is now almost 14 months to resolve this!! I have tried to contact Bank of America but have not received a return call. 
The missing paragraph in the assignment of mortgage is : " THIS ASSIGNMENT IS NOT SUBJECT TO THE REQUIREMENTS OF SECTION XXXX OF THE REAL PROPERTY LAW BECAUSE IT IS AN ASSIGNMENT WITHING THE SECONDARY MORTGAGE MARKET '' I am at my wits end to get Bank of America to fulfill their responsibility so I can move forward with my loan application. If this had happened during the sale of my home, it would have caused me to lose the sale for sure! 
It took them 9 months just to get the rep from XXXX XXXX XXXX to sign the incorrectly worded assignment as it is.

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 2016-01-07 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:
On XX/XX/XXXX, a payment came through to my Bank of America checking account which over drew my account {$1.00}. When i realized this i tried to call BOA for 4 days straight because they notified me that they would add another {$35.00} fee for extended overdraft. I am a college student and in between student loan refunds for the semester so i did n't have {$2.00} to cover the {$1.00} that was overdrawn. In addition most banks give consumers at least 24 hours to bring the account current before adding a fee. BOA added the fee the same day, even though I NEVER signed up for overdraft protection and they could have not paid the charge and rejected it. I attempted to call BOA over the course of 4days, and on XX/XX/XXXX emailed them. If i had spoken with someone from Bank of America, this fee would have been waived and the account would have been brought current, eliminating the need to then charge me another {$35.00} fee for being {$1.00} over drawn. 

To summarize BOA paid a charge on my account without my authorization, bring my total account balance to - {$1.00}, and then charged me a total of {$70.00} in fees, which is predatory and excessive. 

I would like the total amount of fees {$70.00} returned to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Hello, I received on my credit report an unpaid notice for {$26.00} from the cable company XXXX XXXX XXXX XXXX XXXX that hurt my credit score by XXXX points and impacted my process with the Lender in obtaining a mortgage over such a small amount. The unpaid notice was then sent to a debt collection agency, CBE Group ( www.cbegroup.com ). I never received any urgent phone calls to resolve this issue. 

On XXXX/XXXX/2016, I contacted XXXX XXXX and paid off the unpaid bill notice. It should be noted that I paid off the amount, but XXXX XXXX was unable to inform me what the charge was for. I had closed a cable account and moved. All they did, supposedly was send a bill notice in the mail to my old address, which I never received. 

This bill was then sent to CBE Group ( debt collections agency ) for XXXX XXXX XXXX. On XXXX/XXXX/2016, I spoke with CBE Group to confirm the issue has been resolved and that they 're in the process of withdrawing the bill from my credit history. I informed CBE Group that they never called me, but was informed that CBE Group does make phone calls to inform customers of the unpaid bill, but DOES NOT LEAVE MESSAGES. If an issue like this can impact my credit history by 100+ points, I think it is very important that debt collection agencies leave a proper voicemail and provide every opportunity to have these issues be resolved before it is impacting a consumer 's credit history. 

thank you

Company response to consumer: Closed with explanation