vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a " virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that " second ID scanner '' was not working and told me to " cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.

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 2017-01-28 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: VA

Complaint narrative:
I applied for IBR twice in 2016 because I 'm no longer working. They requested proof of my husband 's income which I sent in. They rejected the information that although the income information letter included his weekly salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a Wells Fargo Visa Credit Card that says " Rewards '' in the upper left corner. Rewards were not posting to my account, so I sent an inquiry thru contact email when signed into my account. They gave me a phone number to call. I was transferred multiple times to different departments. Tried again 2 other times. Was told to go to the branch today and work thru a banker. I did, and the banker could not get a resolve. She herself was transferred 7 times, and told multiple stories but could n't get it resolved. They are saying there are is no reward program associated with the account, even though the card clearly says " rewards '' on it. We were told I could apply for a card with rewards, but that my past purchases would not be credited with rewards, and that likely the interest rate would go up. I made multiple purchases, thousands of dollars using this card expecting to generate rewards. I feel this is clearly consumer deception, and ca n't seem to get any resolution from the bank. I have to believe that if I am having this issue, other consumers are as well. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank Of America I need your assistance. In XX/XX/2013 the loan was modified. I have been provided a tax document that is unclear to me. 

In XX/XX/2013 my BOA Rep stated the amount that was forgiven included all negative escrow except for the deferred amount. As well as I am starting at a zero negative escrow - what date do you have of zero escrow starting date? not including deferred amount XXXX my question is based on tax document How much of the money I paid went to property tax? if none why not? as my rep stated my payments would be applied as follow principle interest tax based on new payment structure I have requested clarity from prior new servicer XXXX and current servicer XXXX neither have an answer The payments on tax document appear to have went to interest only for the four payments made why? 

At what date was the amount of escrow at zero from modification? ( except the deferred amount ) My representative confirmed funds would not go only to interest and disappear - as this was part of my concern with modification process. 

As I set in study groups and heard this story from other home owners. 
my funds were improperly applied and none went to principle and or tax as state by BOA. 

My funds paid match exactly the breakdown of payments principle interest tax

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 2017-01-19 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: CA

Complaint narrative:
In XXXX filed for bankruptcy and the lawyer told me that my student loans would be forbearance do to a financial hardship. Never heard anything until XXXX with a wage garnishment that my employer received. The collecting agency charged XXXX of dollars and after 6 months of paying them it was switched to automatic payment with XXXX XXXX and then converted to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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:
All events took place over the internet on XXXX/XXXX/2016, last Friday. 
I performed a transaction which would debit one of my checking accounts for {$270.00}. After I completed it and within the hour, I realized that my profile at the application site where I completed the transaction had my Bank of America account. This account did not have the balance to cover the debit, but I proceeded to do an internal account transfer, which was successfully processed. 
Bank of America posted the debit amount on the same day, XXXX/XXXX/2016, but held " pending '' the credit to cover it ( via the transfer ) until XXXX/XXXX/2016 and causing an overdraft charge. 
I called BofA on XXXX/XXXX/2016 and spoke with Rep Aundrea ( or apologies if I got the name wrong ) who at the end, despite of that I asked for a courtesy refund, insisted to tell me that it was not an error since BofA processes the transaction immediately after the customer provides their routing and account numbers to the website, regardless of whether a transfer/ deposit to cover is done, even within a second. 
I found the situation to be very deceiving and incorrect, especially after explaining that the transfer crediting the account happened within the hour of realizing the fact. I explained that transactions arrive on a given day and they post credits first then debits. It is a matter of principle. 
Thanks

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 2016-04-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!!

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 2016-08-16 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Towards the end of XXXX my husband had some unexpected health issues that caused him to miss work along with several unexpected medical related expenses. We got a couple of payments behind on our Bank of America credit card. I contacted them in XXXX to see what we could do to catch up the payments. I was told that after 4-6 on time payments the account would be reaged. I contacted them in XXXX XXXX and was told that I must wait until XXXX. When the account was still not reaged at the end of XXXX, I contacted them again and was told that I would need to make 2 more monthly payments and it would be reaged. And again today they are telling me to continue making on time payments until XXXX and they will review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 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: OK

Complaint narrative:
I have paid nearly {$800.00} a month for XXXX Loans taken out during medical school. I graduated in XXXX. Since then I have decreased loan by only {$14000.00} according to Navient. And still owe nearly {$130000.00}. 

I am a XXXX XXXX vet. From XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I unfortunately am a victim of the fraud at XXXX XXXX XXXX. I suspected and was very suspicious from the start of Predatory high interested loans in which caused me to default and keep putting in foreberance. I am unable to get a job nor has the school sent me on XXXX interview. There were also monies that I am owed through stipend checks that XXXX never gave me the option to receive. They just kept rolling it over into next semesters cost and fees without even giving me an option. I was the XXXX student to enroll and on paper at XXXX XXXX XXXX of XXXX, PA at XXXX XXXX XXXX, PA XXXX. The campus in XXXX XXXX was just getting set up under Director XXXX XXXX and XXXX XXXX XXXX. I was there for about XXXX semesters and they did n't even offer night classes which effecting me getting work and I had to turn down several jobs. I ended up switching campuses doing one semester in XXXX, PA and then a couple at XXXX XXXX, PA Campus before finishing up back in XXXX XXXX XX/XX/2016 in which I graduated with an XXXX in XXXX. The teachings were outdated, the books, literature and all were ridiculously expensive and has left me in dire financial straits. I want to sue for XXXX, XXXX and XXXX, mismanagement of funds, misuse of funds, predatory lending etc.. I want all of my loans to be forgiven subsudized and unsubsidized. I am also suing for monies owed. I would like to take part in this lawsuit and testify. They owe me lots of money! XXXX XXXX XXXX and XXXX XXXX XXXX took over in the end.

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: GA

Complaint narrative:
My loan servicer is Navient. I received payment from my employer ( XXXX ) for last year to go to XXXX of my higher interest loans but they spread the payments out to all of my loans. I have called then multiple time ( probably 5 or 6 ) to get this straightened out. I finally got the money applied to the appropriate loan, but now I 'm not sure how much extra interest was added to the loan due to them failing to apply my payments to it. Is there anyway to find out if I was charged extra interest due to their disregard for my payment instructions?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Caller id says gila Corp but when answered it is a message instructing me to call an XXXX nimber for " municipal services ''??? Well I have no idea who this company is and according to my credit report which is free of collection items that I do not owe, then there isbnobreasoj for me to call the number. On XXXX/XXXX/2015 this number called me three times. They call once a day but they called three times at XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: MD

Complaint narrative:
I opened a secured cc account with bank of america in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient misused my information and unauthorized a double payment last XXXX on my auto pay plan. They tried to hide it by not having a scheduled payment in XXXX. I still received a notice for a reminder about a payment coming out in XXXX. I contacted them and received the money back for the unauthorized amount. I was told that if I send my bank statement to them that shows the overdraft fees that I received on my bank they would refund me the money. I still have yet to see that money. I then called them in XXXX to make sure there was n't a payment coming out. They had to remove it. I told them that I wanted the last XXXX scheduled payments on my yearly income based plan to be canceled. I also asked to have my banking information removed from my account. When I talked to them about the income-based repayment plan they tried telling me the only way to do it is to have automatic payments set up ; which is complete XXXX. My bank information is none of their business. In the last three weeks, my mother has received multiple phone calls on her cell phone and home phone. I have received XXXX phone calls and have also received multiple emails. This is a form of harassment and I am sick of this company. I will not pay them any money until they give back the money I am owed and placed on a payment plan that I feel comfortable with. The amount is XXXX thing but the way I pay the amount is a completely different thing. I understand the company is being sought by the Federal Government and feel I have been mistreated by this company. They have taken advantage of me and have illegally broken contracts! I took the money out from XXXX XXXX Bank at a certain interest rate. Navient then bought the loans and doubled, nearly tripled the interest rate. I never signed a contract with Navient and still have the original documents of the contracts I filed with the bank. My name and signature are on those. This is a definite unlawful act by Navient and justice must be made to them. They are profiting off of people like me. I was making payments and now I do not feel comfortable working with this company. I would much rather have my loans bought out and removed from this company than have to deal with them again. I am tired of the harassing emails and phone calls and going after my family needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: DC

Complaint narrative:
Navient continues to raise my monthly payment fees. Without factoring in having XXXX children, bills, a single parent and a job that does n't permit me paying what they keep requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am contacted at least 8 times a day by different phone numbers from the same student loan company. One that is received every night at XXXX EST. My number is from the the mid-west prior to moving to XXXX. The company is contacting me looking for my son who owes a student loan for Navient. I have told them how to contact him, and was told to give them their number to contact them. I let them know I would weeks ago, and I am still receiving the calls every single day. It is not my loan, and my son has also heard from them letting them know of his situation. These are the numbers contacting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The last number listed calls at XXXX.

Company response to consumer: Closed with explanation