vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Was let go from my job. Can not start my new job till I sell my house. Which is being sold for {$170000.00}. Which is paid off in full. I have been harassed by Bank of America, being call at least 20 times in less then two weeks. I have spent at least XXXX hour if not 2 hours every time Bank of America calls. I have explained everything to every department 2 times, explaining my situation. Also went up to bank of America three times to fill a complaint. Was told today after speaking with upwards of XXXX people, only way to stop the calls was to fax a number to stop calling me. Also told them soon as my house is sold, was going to pay it off in full. I only owe {$9000.00} on my truck. And it 's worth {$25000.00}. Since I had my truck, i have paid double and triple payments at one time. Also paid XXXX dollars every XXXX when I get my bonus. I asked for help, asked what I could do. Finally today after who knows how many calls and people who I have spoke with. Was told to fax the number, but I have 5 days till I get turned into the credit bureau. After I paid half a payment, and told them my situation. I closed my checking 's and savings account there, because of the lack of help I was receiving. I 'm going through the same thing with XXXX, and they have offered me a two months extra to catch up. And I 've only talk to them two times. On Friday alone I was called four times, after speaking to the loan department supervisor. Not to mention I have been in a Bank of America customer for over 16 years. And have never missed a payment or never owed Bank of America any money. So with five days left now, tell my credit get s A bad report. After speaking with numerous people. I could 've sold my truck and avoided all of this. If XXXX of the XXXX people I had spoken with would 've told me this from the beginning. I have asked over and over what to do how I can make things better. We 're just for some help. I feel like I was lied to, and suckered into getting a bad credit report by Bank of America. Because they were mad that I close my accounts with them. If I was told I was going to get a bad credit report from the beginning, I could 've sold my truck or traded it in. And none of this would be happening. Bank of America has harassed me for the last two weeks. And not XXXX person has told me the same thing after speaking with over XXXX people. And being transferred from department to department to speak with somebody else who does n't know what 's going on. To be transferred again. And be put on hold for hours at this point.

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 2016-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is suing me for a home loan I never signed any documents for. 
XXXX XXXX XXXX XXXX Multi-pledged both my residence and I have submitted a complaint on this to you and was assigned case no. XXXX. I have tried to log in to see Bank Of America 's response. And your sight will not allow me to log in or send me a password so I can log in.

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 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been with Bank of America for about 3 years small business banking. When i signed up they offered alot of stuff to do with small business. I also got XXXX XXXX system which was new to keep everything up to date in my smoke shop. After hard times with my XXXX i wanted to sell it right before 3 years and now i am getting charged and termination fee and also from XXXX XXXX i am getting charge to for the XXXX XXXX which i do want to send back to them but they still charging me for it also for breaking the contract. I spoke to so many reps and told them that i never knew there was a contract i would never get it and the rep who sign me up did n't tell me of this because i would never get. When i talked to a business account rep inside the Bank to help me out he told me to open up another account and get get another merchant services account set up and i could get your money back. That does n't sound it would solve my problem at all because doing that i would be stuck again. I been giving a run around for 6 months now and they just keep getting my money and time also hurting my credit report. I asked them where is the paper i sign because the papers you guys gave me had nothing on it. I know its not me there is more customers out there who is getting hurt from this. Bank of America is hurting there small business customers to hit their quota.

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 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: OR

Complaint narrative:
Shortly after purchasing my first home I was inundated with letters from a company by the name of Nationwide Biweekly Administration , Inc. These letters, copies of which are attached to this complaint, claimed to provide a more " budget friendly '' payment for my new mortgage loan, provided a " 100 % SAVINGS GUARANTEE '', dissuaded me from adjusting the payments I submit to my mortgage servicer to achieve the same promised results, and indicated their offer would expire because there was a date for me to contact them by. However, the letters did not list any payment processing fees or enrollment fees. I called Nationwide Biweekly Administration, Inc. on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$2.00} debit fee for every payment ( XXXX payments x {$2.00} = {$65.00} per year ) as well as a " one-time deferred payment fee '' which would be approximately 10 % of the gross savings. Per their own correspondence, their sample interest savings for my loan was {$190000.00}. Per their own representative, that would translate to a {$19000.00} one-time deferred payment fee, which is egregious to say the least. After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative again dissuaded me from doing so. Their representative also advised me their letters have an expiration date because most savings occur within the first year. Their representative also advised me that they would also audit my payments to ensure payments are being applied correctly, to which I replied payment applications are easily reviewable on a payment history from my servicer. I believe Nationwide Biweekly Administration , Inc. has misrepresented the interest savings I would achieve through their program, has mislead me about the cost of the program, and persists in offering a deceptive program in which I in no way requested materials on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America contacted my place of employment, my boss identified it as my place of employment, and then they asked for other contact number within my company to call me which my boss refused.

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 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 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: GA

Complaint narrative:
My client entered into a repayment agreement with XXXX XXXX XXXX XXXX ( hereinafter referenced as " XXXX '' ) on behalf of Navient in regards to private student loan which were in default. My client understood entering into the agreement would cure his default. My client has performed under the aforementioned agreement since XXXX, 2014. However, in more then one and half years, Navient and/or XXXX have refused to cure the negative reporting entries on my client 's official credit reports. This slanderous behavior is now damaging my client insomuch as he is attempting to purchase a home, has a good credit score, but it being denied a loan because of Navient and/or XXXX misleading credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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 and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized.

Company public response: Company 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: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
School closed beefore i can finish nd they held me responsible school lied about enrollXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo processed a transaction on my debit card as a credit card transaction attached to my checking account. I did not have funds in the account, instead of declining the charge, they process the charge, They then charged me a XXXX insufficient fee for paying a charge that should have been declined if funds were not available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 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: MI

Complaint narrative:
In the aftermath of the Navient news, I wanted to add to the voices detailing loan mis-handlings by Navient. I consolidated my loans with XXXX and received confirmation from the state Education Department of Michigan that the loan with them had been paid. Even so Navient continued to seek repayment from me. I sent via registered mail a copy of the payoff confirmation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went to the bank of America on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and 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 explanation
Consumer complaint received 2016-04-06 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: HI

Complaint narrative:
Hello, I currently have student loans totaling about {$28000.00}. My loans are being handled by Navient.com. It was suggested that I apply for a Income Based Repayment plan, so I did. 
I currently do not work and our only income is my husbands income. I feel that it is not right to figure the payment amount based on my husbands income. I do not have a problem making a reasonable monthly payment or trying to figure out how to get student loan forgiveness. 
Navient calls me everyday from different numbers usually without leaving a message or they leave a computerized voice message. Navient sends me monthly email statements with different payment amounts every month. Some amounts are high and some amounts are low, never XXXX set amount. If proof is needed, I have saved every email that Navient has sent me. 
Please help me find a solution that everyone can agree on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: NJ

Complaint narrative:
I feel like I 'm over paying for my school loan. Unfortunately when I call customer service for help I do n't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us " overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new " chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
XXXX from Pioneer Credit recovery contacting my job without my permission, having individual sending me emails to me asking for me to call them.

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 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
This is the second time XXXX has reported this to a collection agency. The previous agency rejected XXXX 's claim because the debt could not be verified, and XXXX provided no proof of what they were charging me for. 

They are attempting to collect {$470.00} on phone service I do not have -- I have been an XXXX customer since XX/XX/XXXX. XXXX has previously told me that my account was closed in XX/XX/XXXX and they are unable to access it. I do not know what this debt is for, XXXX does not know, and has not provided me or the previous collection agent any information. All they did was refer it to another collection agency. This needs to stop.

Company response to consumer: Closed with explanation