vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Total Card, Inc.
State: CT

Complaint narrative:
Several items in dispute are not resolved with Total Card inc, numerous complaints have been filed against them and nothing done/resolved. The XXXX ( XXXX ), Attorney General of South Dakota, South Dakota dept of banking, have all unresolved complaints against them. Their rep, XXXX XXXX, claims the findings of their investigation were provided to me which is not true. The last information reported to me is the items were charged back to the companies, according to XXXX in fraud. I have heard nothing since. Again, no findings were reported to me because they were not investigated. XXXX was advised XXXX of the companies, XXXX, did issue credit then recharged the account for the same amounts credited. As for the amounts of XXXX both from XXXX XXXX, XXXX was also advised that product/service was not received for either transaction. She stated all charges would be charged back to the companies, this is the last bit of information I received. I wish to reiterate, I was NOT provided any results of findings as again, they were not investigated beyond the point of charge back. it appears XXXX XXXX response is a carbon copy of her last response to the Attorney General complaint, which is also unresolved. She did not state what supposed findings are, just that they were supposedly communicated to me. She further stated I agreed to close the account, which is true, but did not agree to drop any remaining or pending disputes. It appears Total Card is implying they are no longer required to dispute the items further since the account is now closed, XXXX will be notified of this. The credits she refers to are for another disputed item, XXXX from XXXX at XXXX XXXX. This is an incidental deposit for a hotel stay, there was a disagreement over supposed charges made to the room ( s ). The other credit, XXXX, brought the account to XXXX. Please note, these credits were not accepted as matters resolved for the disputes mentioned previously, they do not cover the total charges in the amount of XXXX. As stated in previous complaints, Total Card does nothing to dispute any charges, just a pointless XXXX way conversation with merchant that goes nowhere. Obviously, I would not dispute items unless I already attempted to resolve them directly with merchant, the first step in a dispute process. Please do not mark this as duplicate, the issues are not addressed or resolved.

Company response to consumer: Closed
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America Account No. XXXX Twelve years ago I took out a Home Equity Line of Credit in the amount of {$20000.00}. I paid off this loan in full in XXXX XXXX. I filled bankruptcy in XX/XX/XXXX, papers from attorney showed I was keeping my XXXX mortgage and XXXX mortgage ( home equity line of credit ) from Bank of America. Now they have a lean against my house, and they want me to pay {$11000.00} from me because first they claimed it was because XX/XX/XXXX my husband and I filled bankruptcy. I sent them the legal papers showing that we reaffirmed the debt. Then they said that it was because XX/XX/XXXX I had a foreclosure. That is false, I never had a foreclosure on my home. XX/XX/XXXX I did a modification of my original mortgage. I never missed XXXX payment on any of my loans. I was told to send in {$220.00} fee for the release of the lien on my home. Bank of America has applied the {$220.00} to the {$11000.00} that they are insisting that I pay. Please help me with this matter of utmost importance. My phone number is XXXX my email is XXXXXXXXXXXX

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 2015-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I must required XXXX filed XXXX charging complaint against Bank of America in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Bank of America people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Bank of America are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was billed {$1700.00} from Bank of America. I went on the mobile app and paid the bill using my XXXX Bank account. About a XXXX later I discovered that Bank of America tried to draft out of an old account I used to use, but have only used once in the past XXXX months. My old bank ( XXXX XXXX XXXX ) ran it XXXX and charged me {$60.00} in fees, in addition to Bank of America charging me a {$25.00} returned payment fee. I immediately contacted Bank of America and the representative told me that it was a mistake on their app and they would take care of it and I would see it fixed on my next statement. I paid for the bill that day out of the correct account and it did go through. A few weeks later when my statement came, it was not fixed, so I called Bank of America again and was told the same thing. Again, it was not fixed. I called Bank of America for a XXXX time and spoke with XXXX and superior of card financial services, XXXX who both told me that I would get refunded their {$25.00} fee, but not the {$60.00} they cost me from XXXX. I was told that even if it was their fault they were not authorized to fix it and that I should contact my financial institution myself. I contacted XXXX and was told by XXXX XXXX, who was ever so helpful, that in these kinds of circumstances, the institution who caused the problem would typically rectify it from their end, which is what I was originally told by Bank of America. I do n't understand why Bank of America, who could easily contact XXXX and fix this, would want to defraud me out of my {$60.00}. I would appreciate anything you could do to assist me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When renewing my balloon home equity loan with Bank of America I was told I did not qualify and would have to apply for a modification. After 18 months my approval came through with Bank of America writing that I now had an affordable home equity line of credit payment. That is true for the first XXXX payments - not so much for the next XXXX payments that span 38 years. Then the rate goes to a close to market rate of 4.125 % with me paying more in finance charges than the amount of the loan more than doubling the amount owed. Bank of America gave me no indication that this was the only " modification " available until I received the paperwork. I had tried other avenues to write a loan but could not due to the stricter lending standards and the fact that my credit score took a bad hit when they reported me past due while the negotiations lingered on. 
This is a usury loan that only benefits the Bank of America. Even though I have made all trial payments timely and the new loan is in effect the old loan still shows on my credit report as past due. Due to the stricter underwriting rules placed on the big banks who caused the housing collapse ( i.e. Bank of America ) and in turn the recession I could not get a loan renewal. My only option, other than foreclosure, is to agree to a loan modification that cost me {$60000.00} finance charges on a {$59000.00} loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Back in 2008 or maybe earlier, before or at the beginning of the financial crisis, and while in XXXX, I co-signed a student loan for my parent guardian, grandmother, who is now XXXX XXXX XXXX. She used the loan to continue her education at XXXX. 

I am seeking a removal from this loan as I believe it was an unsuitable loan and arrangement for the following reasons : I was a cash-strapped college student and young adult ( XXXX or XXXX XXXX XXXX ) with minimal working history. 
I lacked the background, cash flows, and credit history to make this deal secure. 
I did not have the background or knowledge to fully ascertain the risks and associated with co-signing the loan. 
And lastly, if I had the mindset of a reasonable borrower, I would have not signed or entered the loan. 
Considering all factors, the loan is unreasonably termed and rated, making it predatory and aggressive. 
Given these combined reasons, I demand Navient release me from this loan.

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: FL

Complaint narrative:
I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset XXXX % of my discretionary pay.. this is insanely injust considering my personal situation.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received mail from Navient saying they had processed my request to enroll my loans in a XXXX Repayment Plan. I did not make this request. I called customer service & was told that everone leaving school os automatically enrolled on this repayment level. I think this is a form or fraud considerimg the XXXX Repayment Plan has higher interest rates. Also of this is automatically done how come the paperwork says Ibrequested this?. I asked to speak with a supervisor & also get a complaint address or number & was transferred to a Navient XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: CA

Complaint narrative:
I have continued to submit XXXX checks each month to Navient ( XXXX for my federal loan, XXXX for my private loan ), just as I have done for the past 15 years. Starting approximately four months ago, Navient has sent me a form letter informing me that they have taken it upon themselves to reallocate a portion of my payment from my federal loan to my private loan without my consent and I pay more than the minimum. The interest rate on my federal loan is higher than my private loan, so it is obvious why Navient keeps doing this. I have written them letters and called every single month. Each month they tell me they do n't know how it happened and insist it is just a clerical error -- but yet it keeps happening no matter how many phone calls or letter I send. I have had it. I have honored my end of the contract -- Navient is a simply negligent and/or dishonest loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed all of my Bank of America accounts, due to a large amount of high cost fees. When it came time to close my Bank XXXX XXXX, I contacted them and informed them that I intended to close the account and requested the pay off amount. On XXXX XXXX, they cleared a payment of {$3700.00}. That amount gave me a credit of {$1.00}. I contacted the bank again, I was told that the account needed to be at {$0.00}. I requested that the credit be sent to me and I was told that my account was now at {$0.00} and therefore I requested for it to be closed. The following month I receive an email notification for a balance of {$35.00} on my account. I contact the bank and I am now told that the account was never at {$0.00} and I never paid the amount in full. After an hour going back and forth, I relented and paid the {$35.00}. I was once again told that I was at {$0.00} and the account was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 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:
I am filing this complaint against Bank of America in XXXX XXXX, California. 

Yesterday I went to the branch to place my wife 's automobile title into our safe deposit box. A bank manager led me into the vault where we both discovered my box drilled open and my documents and cash removed from the box ( see attached photos ). There were XXXX bank employees in the vault with several plastic bags holding documents from other customers ' boxes. I asked where my documents were and they produced a sealed plastic bag with my documents and cash inside. I asked why they removed my documents from the box and they initially said that it was due to non-payment of the box fees. Then they changed their story and said that they did it because they did not have all my wife 's information. I asked what would have happened had I not shown up to discover this. They answered that they were going to send all the contents to a " holding facility ''. The bank manager who led me into the vault was as surprised as I was. The XXXX employees seemed surprised as well. I said : " Let me get the straight. I come in here to find my personal documents and thousands of dollars in foreign currency removed from my safe deposit box. You have my phone number, my email, my BOA account on your website, and you could not contact me? Had I come in tomorrow all my personal belongings would have been gone. '' My question is : Is this legal? I never received any notice of delinquent fees, nor any notice of my wife 's information being incomplete. They have my physical address, email, my phone number. I use the ATM at the branch weekly. They could have blocked my use and sent me a message to see a bank officer. 

I feel that our privacy has been violated. Among the many sensitive documents in the box, the documents included our marriage license, my wife 's Social Security Card, our parents ' living wills, our Pre-Marriage Agreement and our birthdates and social security numbers. To me this is a direct violation of the trust agreement between us and Bank of America.

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 2017-02-11 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: FL

Complaint narrative:
Due to the recent lawsuit against Navient, I would like my student loans verified. I am very concerned about the recent allegations. If you are unable to verify my loans, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
credit card number : XXXX set up automatic payment to " Pay amount due on due date '' for this Bank of America Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted BOA but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like BOA to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America 's Trial Period Plan ( TPP ) documents for a mortgage modification under their Bank of America Loan Modification Program did not disclose the modification principal and interest payment amount, the modification interest rate, or the modification amortization ( time to pay of loan ) for the program that I qualified for, was offered and that I accepted. I had to base my acceptance of the mortgage modification based on the TPP 's information which only contained terms for programs that I did not qualify for and the total trial payment amount. 
This does not appear to abide by the spirit of the Truth in Lending Act. In addition, Bank of America did not attend XXXX of the meditations scheduled for this issue under Nevada 's Mediated Mortgage Modification Program ( MMMP ) as part of my Chapter XXXX Bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
You have failed to respond to a certified letter date XXXX XXXX, 2016 within the 30 day required time frame. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself. Filing was made today XXXX/XXXX/2016. Your court date is XXXX XXXX, 2016 and my attorney will be sending you the summons via certified mail to your registered agent. 
Should you remove the item forthwith with notification as such, we will cancel the lawsuit.

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 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My sister passed away in 2009 with a loan on a property that is now in my name but the loan is in her name .B of A over the last 5 years has not let me assume the 6.35 % loan there fore unable refi. Property was under water and over the last five years B of A has made it very difficult. I short sold a piece of property trying to refi and that has lowered my credit score.

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: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I can not afford to continue making my full monthly payments to Navient. When I called the company to request a reduction in payments, they stayed my income was too low per month to qualify me for reduced payments. I explained that with my current income I can make payments every month, but not at the current high rate I am being charged. They then informed me forbearance was my only option. This is not something I want, as I want to continue paying on my loans however I can no longer afford paying XXXX dollars per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: VA

Complaint narrative:
Navient did not properly credit my prepayment of student loan payments, even though I clearly marked my intention for my payments through the web payments system or by separate letter enclosed with my check. It took many hours of follow up by phone with their customer service to correct. Ultimately I refinanced my loan with a different provider, in part because I could not trust Navient to handle my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Loan I thought was always in forbearance to avoid any late payment being posted to the credit company 's and was never notified about loans being out of forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.

Company response to consumer: Closed with explanation