vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 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:
On XX/XX/XXXX I balled Bank of America because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.

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 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am receiving a bill from Bank of America for a student loan I do not believe I received. I have attempted to contact them many times including leaving voicemails, calling the BoA main number, and noone has been able to find this loan in their system yet I continue to receive a bill from them monthly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
XXXX XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
A second student deferment was put on my student loan by XXXX XXXX, now Navient. This happened on XXXX XXXX, XXXX XXXX, and XXXX XXXX. I graduated in the middle of XXXX XXXX. 
I want the capitalized interest reversed by this second student deferment. I am submitting my enrollment verification and my transcripts showing that I was enrolled at the same college and in the same program from XXXX and XXXX. There is an error in the enrollment information XXXX XXXX obtained from XXXX College. I finally obtained my degree in XXXX of XXXX. 
The first student deferment was stopped in XXXX of XXXX. That should have been sufficient enough evidence to keep you from instituting the second student deferment while I was enrolled at XXXX College in the same XXXX program. 
If the evidence I submitted is not sufficient, you need to let me know reasons why. I am also requesting a copy of the enrollment information you say that XXXX College provided you in order for you to place a second student deferment on my student loan. 
If the evidence I provided is not sufficient and you need more official documents, you need to let me know. You will also need to let me know who I need to send the documents to ... ... ..a name and the address at Navient of a person that will review these documents. I will send this certified mail if need be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX I obtained a private student loan from Navient ( formally XXXX ). I had to apply for a private loan because my ex wife was XXXX with my son and she could no longer work. I had to use my ex father- in- law to co- sign the loan. They promised to take him off the loan after two years as well as consolidate my loans. Its been over ten years and Navient has never helped me in any way. For 7 years I never missed a payment and during the economic downturn in XXXX I lost my job and since then I 've never been able to recover. For all those years I paid {$320.00} every month for both my federal and private loans and now in recent years I have to pay $ XXXX month even though I 'm earning a fraction what I was earning before. They refuse to assist me with reducing my monthly payments or in any other way. They have made the payment process extremely confusing over the years. One representative would tell me one thing then another would tell me something totally different. I simply can not pay {$500.00} per month! I earn minimum wage. even if I 'm a day late with a payment, they call my ex father- in- law numerous times a day and harass him. He 's an elderly man and it XXXX him out. I feel so helpless in this situation! 
Its also obvious that Navient has not been applying my payments to my loans. I have a billing summary from XXXX where my balance is {$25.00}, XXXX. 
My current summary states that I owe {$24000.00}. After making payments for almost three years, my balance has gone down by a mere {$1000.00}. How is this possible? I really want to do the right thing here and pay off the loan but {$500.00} is way too much / month on my salary. I do n't know what to do. I just want them to reduce my monthly payments and leave my ex father-in-law alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I gained my first private student loan with XXXX ( now navient ). As a XXXX I was unaware of the troubles that I would encounter once I have received a degree and entered the working world where XXXX/Navient would begin to terrorize me financially. Since my loans have been in repayment I have not been able to make the payments due to the amounts on the loans being so high and my income being so low. Navient has proposed options that are n't near suitable for me to maintain with the tightest budget. Even in light of my current income they are still expecting me to pay beyond XXXX $ a month ( IMPOSSIBLE ). When attempting to work out other options with them based on my income they were still asking XXXX $ XXXX $ a month ( STILL IMPOSSIBLE ). Alongside of the harassing phone calls and threatening letters, the customer service is terrible and they show no empathy at all. i.e. a customer service agent called me broke because I could not fit the extremely high repayment " option into my budget ''. Long story short I have worked hard to maintain good credit in effort to put my family in a home and live comfortable, however I am unable to do so due to this monster called NAVIENT. ... ... ... They are not flexible and do not really provide " options '' for repayment. I 'M SURE THEY ARE NOT ONLY RUINING MY LIFE, BUT ALSO MILLIONS OF LIVES ACROSS THE COUNTRY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
Mortgage process was started on XXXX XXXX. I have submitted every document requested within 2 business days, however, 4 1/2 months later this loan is not closed. Originator has been good to deal with but at this point I have received XXXX closing disclosure documents. The appraisal report is dated XXXX XXXX and a closing was tentatively set for XXXX XXXX but no one showed up to our location. There a plentiful excuses but I would just like this project completed.

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 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a first and 2nd mortgage with Bank of America on a home that I no longer live in. XXXX XXXX XXXX XXXX XXXX, NC XXXX loan numbers XXXX & XXXX Recent changes in our income, plus economic factors in the area make it impossible to sell the home for what is owed. After exploring Modification options, it became clear that our best option was a deed in lieu of foreclosure. Before our loans even became delinquent, I initiated this process with B of A back in late XXXX, to get the process moving. After spending countless hours on the phone, printing out, filling out and faxing forms, and taking the house off the market, Bank of America transferred the servicing of my loan to a company called XXXX, as of XXXX XXXX, just as the process was about to be completed. I received notice of this XXXX XXXX, and brought it to the attention of my deed in lieu of foreclosure specialist, who knew nothing of it, but said that there was nothing they could do. now the loan has transferred, and I am getting no response whatsoever from Bank of America, except to refer me to XXXX. I was assured that all of the information I have submitted will be passed along, but no one could assure me that I would n't have to restart the whole process. After reaching out to B of A several times last week, they finally called me today to tell me they were no longer servicing my loan and to call XXXX. I called XXXX, but they are " still in the process of receiving my information from Bank of America. 
As part of the process of satisfying the requirements, Bank of America required us to remove all personal items and take the house off the market as of XXXX XXXX, BECAUSE BANK OF AMERICA WAS CHANGING THE LOCKS AND TAKING POSSESSION OF THE HOME. 
I now have a vacant home that I can not access, that I am told I am still responsible for and no one is willing or able to answer any questions. I do not understand how Bank of America can transfer my loan in the middle of this process, especially after they have already taken possession of the property. Our family has become the victim of the economic wreck that these shady mortgage lenders created, and I have been doing my best to do the right thing here, but it appears to me that Bank of America is doing something underhanded in order to dump a bad loan. 
We chose to go the Deed In Lieu of Forclosure route, because we felt it was unethical to drag this out for 2 years in a costly foreclosure process, plus we understand that our credit rating will recover more quickly if we did it this way. 
We have been getting nowhere with Bank of America, and are completely invisible to our new loan servicer. 
I am attaching a few of the documents that I have scanned and sent in, but I have a 3 inch thick stack of paperwork concerning this, as well as dozens of emails. I only wish I had recorded the countless phone conversations!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I personally have not opened a bank account with Bank of America. I have not made any transaction on a Bank of America account. I have not called or interacted with any representative of Bank of America to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Bank of America inquiring on the opening of a XXXX Account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: NV

Complaint narrative:
I am being excessively and double charged for the transactions. A total of {$47.00}. XXXX transactions went through at XXXX, and funds were automatically added at XXXX as well. No charges should be applicable. Shame on 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 2015-04-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have not been contacted by the company or received any validation of debt. I have attempted to contact this company multiple times to request validation of debt that is supposedly owed. This company also operates under SYndicated Office Systems. On XXXX report, they will report the account under Central Finance COntrol and another report they would report under Syndicated Office Systems. This company uses inaccurate addresses on the credit so that a consumer can not contact them to requested documentation for the said debt. Multiple attempts have been made where the company has recvd my certified letters and no response has been given to me. Some attempts have been made and my certified letters have been returned. I have given this company more than enough time to provide me with the proper validation of debt with no response and no documentation. I am requesting this company removed their accounts and their partner Syndicated Office Systems from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a payment of {$950.00} in XXXX XXXX and realized that I did not have funds in my bank account. I called Bank of America to cancel the payment where I was informed they would give me a refund of {$950.00} on XXXX XXXX, XXXX. Bank of America incorrectly categorized this refund as a purchase made on the card and subsequently charged me interest for the next consecutive 3-4 months because of the way payments are applied. Spoke with three different managers and three different representatives each month and they all made notes in my account detailing that I should not be charged interest because it was a bank error. The last manager noted that the {$950.00} was going to be lumped into the balance transfer promotion and this problem would go away. After 3 months, the problem remains and I keep getting charged interest. I paid the promotional balance in full that ended on XXXX XXXX, XXXX.

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 2016-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX I started the loan modification process. After submitting all the documents we started the process, soon after all the problems surfaced which dragged the process to XXXX XXXX many times I explained the situation to Bank of America either I received no response or a lie that my loan modification was in the process and would be approved once I resubmit needed documentation, Even the { XXXX } manager lied by saying that she is going to be working with me to complete the MODIFICATION not to worry. I was told countless lies. 

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, " This is what it is, '' and that they were not going to correct them. They dragged the modification process while adding on late fees etc. In another department BOA has started the foreclosure process being that the loan is in default. According to { HAMP } guidelines ... .I qualify for the program

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Forberance period expended. Tried to request financial hardship assistance due to lack of income. Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America changed my mailing address on the account based on receipt of forwarding information from the Post Office. I did not submit a change of address to the post office and I did ntot relocate my Bankcard statement was mailed to another persons address. this is a violation of my financial privacy and XXXX. Bank of America should not be acting upon forwarding information to change addresses as it can compromise accounts, create identity theft and violates federal laws

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried opening an account with XXXX XXXX an was denied because of something on my credit report. I checked XXXX XXXX, XXXX XXXX, & XXXX. An did n't see anything on there. I would like to know what the issue is an if it can be removed. Thank you an have a great day.

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