vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Credit card information was stolen, a fraudulent card was issued and subsequently used to make multiple fraudulent XXXX XXXX purchases. After reporting the fraud to Bank of America credit card co. I was told that the merchant had to be contacted and the original card number needed to be deleted from XXXX database. The BOA rep was going to connect to XXXX with me on the phone and dropped the call, no return call even though they had my contact info. So I called again, this time the phone agent told me their call volume was too high and she would not be able to make the outbound call and I would have to make the call myself even though she knew that she needed to be on the phone with XXXX. Also shared that it did n't matter how many times BOA reissued a new card number, because red box subscribes to " XXXX Account Updater '' software that fraudulent transactions would be automatically be fowarded to any new accounts on file. 
These are terrible processes to put a victim of fraud through. Apparently BOA and XXXX XXXX do not have processes in place to stop the fraud even after it 's been officially reported.

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 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
For over a year, Representatives from XXXX XXXX XXXX ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a Sallie Mae Loan that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. XXXX XXXX XXXX representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a Sallie Mae Loan. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My student loans are held with Navient and they were put in to defferement without my knowledge. After emailing them several times with no response we had to call and start payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX I cosigned for a student loan with the lender Navient, address : XXXX XXXX, XXXX PA XXXX, telephone XXXX. It appears they have done negative reporting on my credit report but never once notified my of payments not being late or delinquent. I attempted to apply for a car loan and learned I have delinquent reporting on my Experian credit report. After receiving a copy of the report I learned it was reported by Navient for XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Apparently the primary fell behind on her payments for which Navient never notified me. I contacted Navient on XXXX XXXX, XXXX ( spoke with XXXX XXXX XXXX ) who confirmed the late payment and then took a payment over the phone from me in the amount of {$95.00} ( conf # XXXX ) which she claimed would be bring the account out of delinquency. I informed her no one ever contacted me and she could not find any record of anyone contacting me either ( via mail nor phone ). I told her I wanted to file a complaint. She said the compliant was registered and gave me the phone number XXXX to call back in 10 days to get a status. From XXXX XXXX - XXXX XXXX I called Navient 's complaint dept and never reached a person, only got a voicemail for which no one ever returned my call. On XXXX XXXX @ XXXX called customer service, spoke with XXXX ( XXXX XXXX ) who had no record of compliant being submitted and said due to a system glitch the {$95.00} I paid back on XXXX XXXX did not process in their system - this they never notified me of either. I asked for a manager and was transferred to XXXX. The supervisor REFUSED to give me Navient 's physical address so that I can send a formal complaint certified mail. I let her know she was being deceitful and not forthcoming. She would not give me the CEO name until I mentioned reporting her for a UDAAP violation. Only then she gave me his name but still would not give me the physical address. The Supervisor XXXX then gave me the POB address for their Customer Advocate Dept to write to them and they will see if negative credit reporting would be updated. 
I informed XXXX that 1 ) they have very misleading practices that have impacted by credit score, 2 ) they should be notifying me of late payments if they are going to report on me, 3 ) I will report them to Consumer Bureau because they have system issues that do n't process consumer payments and then they report the customer for late payment. This happened twice. 
CFPB please help me to get Navient to be responsible for their bad practices. My credit reporting should be corrected and I should not be impacted by their bad systems and poor notification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
I have XXXX and XXXX my medical services are 100 % covered. The office should have filed my insurance correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, this is in regards to : XXXX XXXX XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and the careless, biased, negligent and possibly criminal way in which he handled my file and put a lien on my house and his incompetent assistant named XXXX XXXX. In a 90 day period, they put my through XXXX, charged illegal fines and fees including an appraisal which was not needed and charged XXXX and they were reckless and careless with my personal information. I would like a full investigation for a file for me XXXX XXXX regarding a purchase Refi.

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 2016-04-10 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: NY

Complaint narrative:
I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control.

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 2016-07-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank of america applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.

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 2016-06-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I provide more supporting documents for the following case that I have previously submitted : XXXX. It is the error of Bank of America ( BoA ) which caused the mistaken transactions for my tax refunds. 
When I filed the 2015 Federal and California Tax return direct deposit, I omitted the last XXXX digits of my BoA account number. BoA account number has XXXX digits. I only wrote first XXXX digits for the account number, which should be an invalid account. BoA should have therefore returned my tax refunds to IRS and California Franchise Tax Board due to the invalid account number. Please refer to the supporting documents for the details. 
When I went to the BoA branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX, the bank clerk ( XXXX XXXX ) verified that both of my 2015 tax refunds from Federal and California are in a different account. That account number has XXXX digits : the first XXXX digits are XXXX ' and the rest XXXX digits are the same as what I have written in the forms. I never authorized anyone to add the XXXX digits of XXXX ahead of my bank account to receive my Tax refund. It is the BoA 's error to add the additional XXXX XXXX to form a complete account number. And to make things worse, BoA refuses to correct the bank error even though I have informed the bank about these error immediately. 
I demand the bank to return my tax refunds ( both from IRS and California Franchise Tax Board ) in full amount.

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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Step Group, LLC
State: FL

Complaint narrative:
I thought this matter was resolved years ago when I established my identity was stolen and fraud alerts were placed on all credit reports. I did not purchase anything using XXXX XXXX XXXX XXXX and have demanded validation from all previous Collection Agents yet none were ever able to validate the debt was mine. 
More than that the Statute of Limitations expired on this invalid debt and I assumed the matter was closed. 
Now a junk debt buyer has bought it and hopes to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?

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 2015-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. 
My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years.

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 2017-03-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have master card credit card from bank of america I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Bank of America after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision

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 2016-02-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been set up to repay based on income several times and it always seems that either paperwork does n't get mailed to me for deadlines, payments have been taken out twice, payments have n't been taken at all resulting in me having to start over in the rehabilitation programs, I was hounded before I even graduated, and they are saying I owe way more than borrowed. My student loans are double the cost of what school was supposed to cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We used autopay to pay off our statement balance with FIA Card Services, a XXXX XXXX XXXX card. However, the payment was returned ( never applied to the account and never debited from the checking account ), and we were charged a return payment fee. There was no late payment because we had already submitted the minimum payment due. We called on XXXX XXXX, 2016 to make the payment in full again and to get reimbursed for the return payment fee ( the fee was eventually reimbursed ). We submitted a payment over the phone on XXXX XXXX, 2016 to the credit card through FIA Card Services. The new payment was never applied to the account balance, but the transaction still shows on the checking account, which is also through XXXX Those funds are now missing, and the FIA Card Services website shows " You can not login to FIA Card Services. You do not have any open accounts. If you believe this is an error, please contact customer service at XXXX. '' We called the number and waited on hold for XXXX and half minutes and were unable to speak to a representative. The card account is now with XXXX XXXX XXXX, however they do not have a record of the account balance yet.

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 2017-02-08 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: MI

Complaint narrative:
Navient has continually made it difficult to understand there loan collection rules. Next to impossible to acquire accurate information. Upon calling it 's difficult to get an actual person on the phone. The online account for loaners is never up to date with current information displaying inaccurate balances, payment dates, and other loan status information. Aggressive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12 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: WA

Complaint narrative:
On many occasions, I reached out to XXXX and Navient to make reasonable repayment for my student loan. I 've yet to receive an equitable payment plan of relief that would easy my debt. Rather, numerous fees accumulated with no disclosure which resulted in increase in the amount owed. I now have an outstanding balance is XXXX, which is not the amount borrow for my education. I have not been protected with any benefits in finding the right repayment plan. I am having a difficult time paying this amount back and mostly will deal with the impact of this debt the rest of my life. XXXX/Navient has misled me with their repayment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a Credit Card with Bank of America. The account was in good standing, paid in full and on time. I closed the account in XXXX of 2015. This is not disputed by Bank of America. In XXXX of 2015 ( a full 3 months after the account had been closed ) Bank of America re-opened my account without my authorization and accepted an unauthorized charge of {$9.00}. Bank of America did not send me a statement or mail a notification about what it had done until XXXX XXXX, 2015 when I received a past-due letter. Additionally, Bank of America reported me as delinquent to the credit reporting services which had a negative impact on my credit and my credit score. Never did I authorize Bank of America to re-open my account after closing it in XXXX of 2015 and never did I authorize a charge of {$9.00} on my closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief