vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
I do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Bank Of America, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have Had an business account with Bank of America for just about and year now. 
XX/XX/2016 around XX/XX/XXXX - XX/XX/XXXX My account was a target of Fraud. 
With that being said, they did follow threw with making the claim.But, On the date of XXXX/XXXX/2016 Bank of America did and unauthorized with draw from My account in the amount of $ -XXXX as well as $ -XXXX. 
for a total of XXXX. Dur-ring this time I was in the process of moving my funds to another bank because this was the 2nd time this has happen to my account. Bank of America could n't provide reason as to why this happened to my account. On top of all of this slapped me with an XXXX overdraft fee and the rest of the amount that was over drawn from the account. as you take a look at the amount you may see it had and small amount but it my small amount and it was taken from me with out an lettered statement telling me the process date the amount and a reason why. I had to wake up and text message an Email tell me my account has been overdrawn. Bank of America rep stated to me after ( we dont have to sent statement out to you it our account, ( " Yea, But its My money!! '' ) An I would like it all place back on my account. I would consider it stolen as we speak. ( NONE, of Bank of America starter account paper work stated " we dont have to sent statement out to you if we take money out your account. ) I only speak/s of and overdraft fee. with this in mind, I would like the rest of the funds, that was taken out My account sent to me in a check. Its Only right!

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 2016-08-24 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: FL

Complaint narrative:
I open a check account for my high school Soon XXXX XXXX XXXX bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.

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 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I lost my job in XXXX. My mortgage payment was {$980.00}. I went through all of my IRA and XXXX to keep up with my bills. I worked XXXX different temporary jobs for 2 years. Then I got a permanent part time position with less pay in XXXX that led to full time in XXXX XXXX. My mortgage is with Bank of America. I went through XXXX for a while and then went through XXXX. XXXX had my payments at {$470.00}. While I was making these payments, BOA listed me in foreclosure for 2 weeks. I was trying to work with Bank of America to get a loan modification. I went to the XXXX meeting in XXXX in XXXX XXXX to hopefully get a solution that day. BOA told me I was in underwriting for a loan modification, so they said nothing I or they could do. Few days later I received the loan modification paperwork. 
New payment {$1000.00}. I make XXXX an hour, have XXXX dependents, get child support for XXXX, and that ends in 1 year. I want to keep my house but there is no way I can afford this. I dont understand why Bank of America would tell me one thing, XXXX would tell me something different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Filed XXXX in XX/XX/XXXX to keep my home of 25 years, ( tried for a home Mod but u have to be 3+payment behind which puts u in foreclosure so to stay off the bank i filed Ch XXXX ). For two months once my home was foreclosed I attempted to re purchase it through XXXX XXXX, but no luck in XX/XX/XXXX after XXXX informed me i needed XXXX in a secured account, which I did, still no response until I had my Atty. and XXXX XXXX office got involved. We found my Mortgage when refinanced through Bank of America ( which they did all the paperwork since they did it originally ) was unsecured because of being on XXXX Land, which is necessary through the XXXX XXXX XXXX XXXX. Everything thing stopped, no calls from BoA nothing though I still made the XXXX XXXX payments, until last month. In the last 40+days, my home has been listed for sales w/ disclaimer not to contact the occupant at any level ( me ) ... My Atty. is still involved but Bank of America, will not respond to anything. I received the usual correspondence from BoA, with each of them giving a Ph # for contact that is usually not working. 

My Attorney is convinced that the Loan should have been dismissed during the Chap XXXX, but the worst case scenario would be that the bank would simply sell me back my home for the balance of the mortgage. But so far nothing and my home is still listed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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:
Wife opened an individual checking account with Bank of America ... ..Several weeks later we opened a joint checking account with them as well ... ... Check was presented in joint account that was returned for insufficient funds ... ... We corrected the issue and placed cash in the account to cover the same ... ... ..We received an alert from Bank of America to contact and to resolve the issue ... .We did so accordingly early that morning ... ..Later that afternoon, we went to the ATM to get money out ... ... Unable to do same and needed to call the Risk Closure center ... ..We called them and they said that they will need to close the account due to " fraudulent activity '' ... Make me understand where placing money in your account is fraud ... ... They refused to keep the account open ... ..To make matters worse, my wife 's individual account had been used by her on multiple occasions ... ... Bank of America closed her account as well ... ..That was insulting to us that a small mistake that we resolved cost us full closure of our accounts ... .They treated us like we were criminals and did not try to assist us ... ... Why send the alert to resolve it and then close the account afterwards ... ..To make matters worse, we still have money in the accounts that we can not access because they will be sending it to us in the form of cashier 's checks ... ... .Went to the local branch to try to resolve it ... ..System stated that they could not reopen account all the way up to branch manager ... ... A bad way to treat a potential customer ... ..I understand about the accounts being new but to close both accounts was a little ridiculous to me ... ... My wife was fuming about the whole situation because she deposited money into her account and there was no issues with it ... ... ..We have been basically banned from Bank of America for a minor mistake that was resolved in less than XXXX hours once it occurred ... ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: AZ

Complaint narrative:
XXXXNaveint : Loan is a loan that came due in XXXX XXXX upon XXXX. Still paying on loan ( almost 16 years ). Payment was {$390.00}. In XXXX XXXX we requested auto pay be increased to {$480.00} with the goal of paying the balance off in 5 years. Current employer is reimbursing us annually from XXXX - XXXX timetable for the next 5 years for student loan. The XXXX XXXX payment was changed to {$140.00} without our knowledge, consent or direction. when calling them today they said that they did an internal audit that reduced the payment. I told them we had no desire to have the loan extend to the 30 year timeline nor was it their decision to make this change without direction and/or permission. This seems to be an illegal and immoral business practice on their part. It looks like they have been audited on their business practices before. It it has happened to us, I am sure this is a larger global business practice. I pushed payment to them of {$390.00} - supervisor is suppose to manually post it with the auto payment and put our payment back to the {$480.00}. How many customers have they done this to. How many customers are n't paying attention. This error would have also cost us money on re-reimbursement as well as increasing the term of the loan. 

XXXX XXXX

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
It was difficult to make the payments they requested and my credit was affected. They also would not lower my interest rate. Also, I receive state health insurance for my children, a form of XXXX, but they would n't accept it for proof of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a Bank of America XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Bank of America saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Bank of America is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 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: CA

Complaint narrative:
I had checking account with Bank of America and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the account.

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 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Now the latest in the saga in my fight with Bank of America is that they hired an attorney to what, tell me they do n't have to answer a simple question related to a document they created earlier this year? The attorneys stated they do n't have to answer because they are no longer my current servicer and put out some legal statutes which I 'm sure is all XXXX all in an attempt to justify the non-response to why after so many years did they finally create the document to transfer my loan for the servicing and I also asked for clarification on another document that appears forged. It would seem more sensible if BoA wants to bring in an attorney to simply ask those attorneys to work out a settlement. Everything I have against BoA is documented, it 's in writing, there 's no, 'we discussed on the phone this on such and such date ... '. Every last issue I have presented is fact, it 's recorded, and it 100 % shows BoA in the wrong and on a multitude of issues, some very minor, some most extreme once start talking forging documents and harassing me when were n't even legally servicing my account and the insane part is that was after years of me essentially asking for that document, why did n't they at least re-assign the mortgage servicing going back probably 4 years now when I first brought it up???

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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I purchased a defective product from a company and Bank of America, my credit card company, requested unduly burdensome and impossible-to-obtain proof for me to prove my claim. They failed to protect me from a merchant who is deliberately not supporting their defective product, despite my never being late on a single payment in my 12 or so years as a cardholder.

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 2015-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied to Bank of America for a car loan on the purchase of a used car from a private owner. I was approved for the minimum loan of {$5000.00} by Bank of America ... I sent the registration and title creating a lien interest in Bank of America. Bank of America has reneged on the car loan and has failed to return the title and has failed to release the lien

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS IS A COMPLAINT AGAINST Equifax ( DEPARTMENT OF FRAUD ) THIS AGENCY CREDIT NOT COMPLY WITH FEDERAL LAW OF FAIR CREDIT WHEN IS VICTIM OF IDENTITY THEFT, like me, on several occasions HE SENT THE REPORT OF POLICE AND YET ACCOUNTS REMAIN IN MY REPORT MY WAY AFFECT OF NEGATIVE CREDIT PROFILE AND XXXX A pOLICE REPORT THAT WERE WITH BILLS XXXX FRAUDULENT AND WITHOUT MY PERMISSION. HOWEVER THIS DEPARTMENT OF FRAUD AND DISPUTES LAW FAILS IN BLOCKING AND ELIMINATE THESE BILLS WHEN IS VICTIM OF IDENTITY THEFT. It is for this reason that I GO TO CONSUMER PROTECTION BUREAU finace, DUE TO NORMAL BY DIRECT CONTACT NO WAY HE HAD EXPECTED ANSWERS AND THE RIGHT AS TO COMPLY WITH SECTION XXXX OF THE FEDERAL LAW SECTION OF FAIR CREDIT. These accounts are : XXXX XXXX I XXXX XXXX. # Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: IN

Complaint narrative:
I have not worked for over 3 years and have reported this to my student loan. I filled out the form for financial forbearance and sent it in. I began receiving harassing calls from Pioneer Credit Company at which time I told them that I was out of work and could n't pay, and to please stop calling and harassing me and when I got a job I will pay. The harassing phone calls did not stop. After I stopped answering the calls they began to harass my wife and now my neighbors. They have left messages on my neighbors phone letting them know that they are trying to collect a debt from me. They are telling my wife that it is her responsibility to pay for my school debt.

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 2016-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I 'm seeking your assistance on my mortgage with Bank of America. I 'm simply asking for help. My wife and I have been faced with both health and financial hardships over the last few years. We are finally in a state where we can sustain the monthly mortgage payment but Bank of America is running me in circles. I ask you to please-please truly review my situation as there has to be a human with a heart sitting somewhere willing to help me, willing to make an exception or simply sit back and realize this is the right thing to do. I am attaching a letter which thoroughly explains what has occurred.

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 2017-03-02 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: NY

Complaint narrative:
I am the parent and borrowed for my daughter to attend school at XXXX XXXX XXXX College. For two years XXXX and XXXX I borrowed from Parent Plus loans. Navient has been emailing me regarding the paying back of the loan. I had sent them money for both years paying 12 months at a time as I can not afford to have another monthly bill. My daughter returned from school having finished her XXXX XXXX in XXXX. Now Navient is telling her that she borrowed {$12000.00} dollars and that she has to begin paying back. I know that my daughter XXXX XXXX had not borrowed any money from any bank because she received grants for part of her college education. They have not tried to assist us in understanding this problem. We are only being told what my daughter owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
At age XXXX, my mother fell and was XXXX. Due to geographical limitations, she has savings and checking accounts with a local branch of Bank of America. She has a Durable Power of Attorney naming my brother as the primary, and myself as the secondary, attorneys. She is in XXXX ; my brother is in XXXX ; I live on XXXX XXXX, but have moved temporarily to XXXX to help her through what are probably her final months. When we tried to add my name to her account as a signer so I can pay bills without mailing the bills and a book of checks to XXXX, my brother sent a letter explaining that it is more practical, and fully acceptable to him, for me to exercise the Durable Power of Attorney for the present time. I visited the XXXX branch of B. of A. He visited a XXXX branch. Each gave extremely conflicting and confusing descriptions of the many necessary steps to add my signature to the account. In either case, I believe we would be liable for legal expenses to have my mother 's lawyer revise the Durable Power of Attorney, a revision that would necessarily be temporary and result in further legal expenses and delays at the time of her death. My mother is XXXX and can not get in and out of a vehicle to go to the bank to sign any papers. Bank of America staff are unwilling to make the XXXX-minute round trip to her home to get a signature. Is there any recourse this side of the grave?

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