vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Ref # XXXX =. I sent a letter requesting verification and validation of the original debt and I have never heard anything since. I then looked at my credit report and found that another creditor the CBE group Inc former # XXXX for the same amount of money put a collection on my credit report. WIthout any notification or letter sent to me. during the same time period. They did not give me a letter or notification. This is a violation of my rights and notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This company XXXX XXXX XXXX called and left a automated voicemail on my machine they say someone has filed a complaint against me call to find out who it is. I call they say Bank of America is going to sue me. And I have to pay this debt. I say I have not had a bank of america card in 30 years. They say they will subpeona me and have a nice day. Please look into this. They call from XXXX number XXXX and XXXX both call back numbers left the same reference number. The scary thing is they have my social security number and current employer. You have to do something to stop these crooks. They violated all kinds of FDCPA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/2016 I started getting monthly service fees on my Bank of America account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on 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 2015-08-22 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: NC

Complaint narrative:
I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.

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 2016-08-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
In XXXX XXXX, while applying for a rental home, I learned of a " debt '' I owed which was submitted to collections from XXXX XXXX XXXX ( XXXX, Arizona ) in XXXX. The amount owed ( {$2800.00} ) was immediately paid - in full. 

I took online courses in XXXX at XXXX XXXX XXXX under the Veteran 's Administration XXXX XXXX, which pays for XXXX veterans to seek educational opportunities. I was completely oblivious to this " debt. '' Upon learning of the amount owed, I immediately paid the total to expedite the removal of this " collections debt '' on my credit report. This was a blatant miscommunication and misunderstanding from the Veteran 's Administration XXXX XXXX agency. I have countless documents to verify I am a XXXX veteran and that I was eligible for XXXX courses at that time. 

I have outstanding payment history ; I have never had a debt owed be escalated to a collections agency. I request that this paid " debt '' be removed from my credit report immediately. I ireviewed my credit history after learning of this " debt '' - it has clearly had catastrophic effects on my score. 

Thank you for your attention in this matter. 

XXXX XXXX United States 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 explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB. It has come to my attention recently that Bank of America had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Bank of America a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Bank of America change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.

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 2016-05-04 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: MO

Complaint narrative:
I am filing this complaint against Navient about some very troubling concerns regarding some business practice at their establishment. I have some federal and a private loan with the company. My loans were recently transferred over from XXXX XXXX. Since the transfer, I start receiving statements in the mail for both loans. I step up payments for the loans from my us bank account. I set up the XXXX loan payment for account XXXX for {$220.00}. The minimum due amount was XXXX. I set up XXXX loan payment for account XXXX for amount of {$120.00}. The minimum amount due was XXXX. However, that is not how their system applied the funds. When the first payment was received with specific amount of {$220.00} for account [ XXXX ], the system automatic applied XXXX to federal loan and applied amount of {$65.00} to private loan [ XXXX ]. When the second payment was received, it applied the entire amount of {$120.00} to private loan [ XXXX ] which at the time did n't have a balance due. It appears the system is design to automatic to apply funds however it best fit to benefit Navient and not the customer. It appears the system is programmed to always accumulate late fees and interest on fees for client to benefit Naveint. At this rate, it will take longer to pay off loans in which the loan amount continues to grow. I think this practice is very questionable and it appears to be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My federal student loans are aprox XXXX. I need to start repaying these loans. I currently pay {$500.00} a month in private loans, so my discretionary income is next to nothing. I have contacted resources for help arranging payments and they do not take into consideration my overall debt and I was told that it would cost me {$600.00} for these agencies to help me get a pmt of {$170.00} a month, which is still more than I can afford. I am an XXXX and if I default I could lose my job. Time is running out and I am desperate. Basically I was told that if I had children and was single and was not working full time and receiving aid from the government they would be able to make my payments next to nothing. I am being punished for trying to be a responsible productive member of society.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a credit card with Bank of America that I use to shop for at XXXX XXXX, and I usually make the payment to the credit card through the ATM machine that they have at the branch that I always go to which is located at XXXX, MI XXXX. On XXXX XXXX, when I send my sister to make a cash deposit at the ATM, sometimes the ATM returns cash saying certain bills were not accepted, so she ended up cancelling the whole transaction, when she got in the car to the count the cash to make sure it was the same amount she started with, we found out we were {$690.00} short. The next day we went to the branch and explained the situation, and the Manager confirmed for me that they 're ATM was out of balance and that there was {$690.00} extra in the cash they had. She gave me a number to call which is to B of A customer service department, I explained the situation, they ended up giving me a temporary credit to my checking account of {$700.00} until they investigate the situation, after going back and forth, they wanted the ATM ID # 's, so I got them that, they wanted extra information, I supplied to them everything they needed, then on XXXX XXXX of 2016, they send me a letter stating that they were not able to find the extra money and that they are withdrawing the temporary credit they had given me on XXXX XXXX. At this point, I was very upset, because going back and forth and time holding on the phone to get to speak to someone is ridiculous and come find out the solution is aggravating. They know how to take someone 's money but they want to give me the hardest time about getting my money. This is my money that the ATM did n't give me which the manager confirmed it was extra. Does the right hand not communicate with the left hand? Are they not all under XXXX name? I ended up going to brank my self on XXXX XXXX, which a Banker assisted me and she grabbed the reports from that day and confirmed with me again that there was extra money in their balance that day. She called customer service and explained the situation, they opened the case again, they did take the credit out of my account, but they said they are investigating again. I have not heard anything and not seen the money. Please help because this is stealing from my money.

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 2015-05-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Fraud occurred on my Bank of America ( BoA ) credit card on XX/XX/XXXX-XX/XX/XXXX. I contacted BoA on XX/XX/XXXX to report. They immediately closed my card, reversed the fraudulent charges, and sent me a new card. On XX/XX/XXXX, I made several returns to XXXX XXXX XXXX and on XX/XX/XXXX to XXXX. After three calls between BoA telling me it was XXXX ' problem and XXXX telling me it was the bank, someone in the fraud department told me that BoA had " upgraded '' their system in XXXX which requires customers to call for balance adjustments each time something is returned back to the old credit card account. Fraud has occurred on my BoA credit card at least once a year for the past several years. I have never before had to be this involved with getting my credits transferred to the new account because it was always treated as XXXX account. After five calls to BoA, I finally reached someone in the fraud claims department who knew of this new system flaw and helped me with the balance adjustments to my new account. Most of the adjustments were correctly reflected as credits to my account. XXXX of them was transferred as a debit. A sixth call, XXXX BoA employees, and 45 minutes later, an employee understood my issue and said I should receive a reversal and credit back in one or two days. Please note this was approximately {$2400.00} that was held up for almost four weeks of calling Bank of America six times. Had I not kept calling, I would not have gotten my money back. A BoA system upgrade should not become a consumer problem! I have been a checking customer with them for 20 years and credit card holder ( of the same account ) for 11 years. I am seriously considering switching banks after this fiasco.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
In XXXX 2016 I received my statement from Bank of America with a balance of {$48.00}. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Bank of America in XXXX showing the amount was not paid. I immediately called Bank of America and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a notice from them saying my credit history was downgraded and my credit limit was reduced. I do n't care about the credit limit as I do not use this card very frequently but I am very angry at this action for no justifiable reason. I would like to have this corrected with the proper Credit Bureaus and cancel this credit card. Please advise how to proceed.

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 2015-08-24 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:
" To receive the {$300.00} bonus, you must open a new Bank of America Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. " I received the ad in mail from Bank of America. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of BOA branches. Nobody can tell me exactly what 's the " qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the " qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Bank of America is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue.

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