vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 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: UT

Complaint narrative:
I have been unable to work ( XXXX ) for over 5 years. Over a year ago, Navient began to refuse to work with me on any options for loan repayment/forgiveness. I was forced to go into an income-based repayment plan based on my new husband 's income ( poverty-level ). During the time I was in contact with them ( repeatedly ) to avoid default. During that time, they placed a {$150.00} late fee on me. I have been unable to pay that fee. Due to the way this fee was applied, my loan balance is now over {$11000.00} more than the original balance after a year of repayment. Essentially, they have given me an illegal {$11000.00} late payment fee. I have now absolutely no way to repay my loan over my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fradulent charges were made to my Bank of America credit card. I had numerous phone conversations with individuals ( whose names I have ) assuring me that it would be resolved in my favor. Now I am informed that because I did not contact them in writing, that I am liable for the fradulent charges totaling {$26000.00}. I am XXXX years old and have been with B of Am. for 30 years. The phone conversations assured me that they were looking after my interests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: TX

Complaint narrative:
I have been paying student loans with XXXX XXXX for a few years. I havenever missed a payment on my loans. I was paying interest only for a fewyears {$440.00} a month. XXXX XXXX and myself agreed to pay {$550.00} startingXXXX XXXX. I was told this would be my payment from now on. I lost myjob making {$50000.00} a year. And now I make {$20000.00} a year. I stillmanage to make my payments. Now, they have sent me a payment of {$640.00} a month. And there is no way I can pay this. Seem like they aretrying to put me in default. I have friends that are in default and they arenot trying at all to make payments to XXXX XXXX at all. I 'm going tocontinue making my payment of {$550.00}, and that 's the best I can do. 
I have contacted my XXXX XXXX XXXX XXXX and you 'll on thismatter. I would appreciate any help on this matter as soon as possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of American has taken over my home. XXXX XXXX purchased XXXX XXXX XXXX XXXX, XXXX, PA XXXX and my husband and I purchased home XXXX XXXX XXXX, XXXX, PA. In XXXX XXXX XXXX changed our address. XXXX home is now home XXXX XXXX and my home is home XXXX XXXX. Since then the XXXX home has gone into foreclosure. Bank of American had the address home XXXX XXXX as the foreclosure so the bank is insisting they have the correct home. They had my home on XXXX in XXXX of XXXX and my home was being bid on. The bid was not high enough, so the home did not sell. I had FINALLY got someone to listen to me at Bank of America and THOUGHT I had it straightened out and they took my home down of XXXXAuction. On XXXX XXXX, XXXX XXXX changed all the locks on my home, pad locked my garage and posted a notice in the kitchen. I contacted the PA XXXX Police and they told me it was a civil matter. I 've talked to multi attorney 's, Assistant DA, a few state troopersXXXX, Bank of American, the Twp for the address change and XXXX XXXX ( who my mortgage is through ). What I have learned from the PA XXXX Police is that, yes, XXXX did break and enter into my home and that is a criminal act but XXXX is protected by the Good Faith Statute. They were hired by The XXXX Department and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( P ) XXXX ( F ) XXXX XXXX Bank of America XXXX. They will not speak to me because my name is not on the mortgage. Well of course not, BECAUSE IT IS NOT MY HOME that is in foreclosure! This is negligence on Bank of American part for not having their records straight and have the correct address for the XXXX home. I have all the paperwork and contact to confirm that everything in this email is true. This is a rental property. I now have lost XXXX tenant and another XXXX may leave as well. My neighbors now think that we can not pay our bill. I was informed that until this is straightened out with Bank of American and they insist my home is theirs because of the house number, they can come in and seize anything that is the home. This is unbelievable to me that everyone is protected but me. The only way that I can get any help is if I spend XXXX dollars on an attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
this debit was paid to jefferson capital systems llc on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by jefferson capital to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something jefferson capital systems failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since jefferson capital never sent me a letter showing that the debt was settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is in response to case number XXXX. I placed a complaint against Bank of America, and just got a summary of research from Bank of America. Am I really to expect that BOA would honestly and without prejudice conduct pure research into my complaint against them? Is there not an independent omsbudsman or review panel to investigate claims? In my original claim, I specifically stated that my case was mismanaged, and yet, the word " mismanage '' did not occur anywhere in the summary of their findings. Therefore, I argue that they had bias in conducting this research because of the omission of this claim. Furthermore, XXXX XXXX stated repeatedly how Bank of America wants customers " to be pleased '' with their service. Again, if this research was carried out independently, this is a statement that should not be made. XXXX XXXX stated that BOA was grateful for me paying off the loan in full, which is ironic because during the payout process, BOA " advisers '' suggested I should in fact do a short sale if I could not bring the full amount I owed to the closing. The simple fact that I am sking for {$5000.00} in forgiveness towards INTEREST - not principle mind you, but INTEREST - and BOA will not concede is frightening. {$5000.00} is less than XXXX XXXX of the BOA CEO 's paycheck. So BOA thanks me for saving them money by not conducting a short sale, but can not do any more than verbally acknowledge this point. 
In summary - I disagree with allowing BOA to conduct their own investigation as this is not impartial. They missed many facts including the main one that BOA mismanaged my account and summarily dismissed any short sale assistance because of incompetence by their agents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
When I opened my ck'g accts at Bank of America , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects BOA interests ... I use this acct as a " pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where BOA does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... 

This brings me to my second issue.. On XXXX occasions I have disputed card transactions with BOA and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 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: TX

Complaint narrative:
My student loans are handled by Navient I am on a fixed interest rate. 
in the last 10 years my payments have gone up twice. 
approximately 60 of my payments have had nothing go toward principal I calculated roughly {$44000.00} paid in 10 years with only approximately {$3000.00} - {$4000.00} going towards the loan. 
I have records of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Submitted application for income-based repayment and was approved in XX/XX/XXXX. Payments were listed at {$61.00} per month. When I re-applied for XX/XX/XXXX, Navient miraculously discovered an error in their prior agreement and now claims my payment should 've been more expensive and is now charging me {$100.00} for the final 2 months of my XX/XX/XXXX agreement instead of payment amount I 'd been paying for the past 9 months. This leaves me with a few questions : 1 ) was there really an error? 2 ) why was this error not caught? 3 ) why am i being penalized for an error that was not my fault? I put my trust into Navient to calculate the correct repayment figure based on federal guidelines and have chosen to autopay. If Navient was wrong, I should not be on the hook for a larger payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I authorized a payment on XXXX/XXXX/15 for {$550.00} to XXXX using XXXX Pay from my Bank of America Savings account. I also took {$60.00} out of the ATM on XXXX/XXXX/15. On XXXX/XXXX/15 Bank of America took out {$540.00} and applied it to my personal checking account without my consent and returned my rent payment as insufficient and applied a {$35.00} overdraft fee to my account resulting in a negative account balance of {$10.00}. I am attaching a copy of my rent statement showing the authorization made on XXXX/XXXX/15 for my rent and the ATM receipt for the {$60.00} I withdrew from the ATM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for credit at XXXX through Bank of America and was denied credit. The reason for the credit denial was I have current or past delinquency with XXXX or more of my creditors. I requested a credit report through XXXX, the same agency they used to deny me credit and there was NO negative info. I filed a chapter XXXX in XX/XX/XXXX, but its been XXXX years and I do n't see the negative info in my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-19 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: The CBE Group, Inc.
State: CA

Complaint narrative:
This debt was paid XXXX 2014 to XXXX, CBE group has contacted me twice in the last two years to collect a debit I owed XXXX and paid in full 2 years ago. I went thru my records to find the receipt and date of payment the first time CBE contacted me in XXXX 2014. Now I 've received another notice, but this time they 've added another name to my account, actually they 've added one persons first name with someone else 's last name. Nobodys name was on my XXXX account but mine, and this is a paid account. The second name has my deceased dads first name and my ex husband, of 19years, last name. What kind of scam are they trying?? Collecting on paid accounts and guessing with names being involved that Never was ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: NC

Complaint narrative:
In XXXX 2016, I had three credit card accounts with Bank of America. I was using the option of recurring payments with two of the accounts. The third account had zero balance. I always made all of my payments on time and I never had any issues with Bank of America. In XXXX 2016 I began receiving various letters from other creditors informing me that my accounts were either being closed or the credit limit amounts were being reduced. I could not understand what was happening because I always paid my bills on time and I had never had any issues with none of my credit card accounts. I finally found out that Bank of America had closed out all three accounts and reported that I had not made any payments for three months, all the while they were taking payments out of my checking accounts. When I contacted them, a representative said that the minimum amount had been raised on one of the accounts and that is why everything is showing non payment, when in fact they were still deducting money from my checking account. Bank of America has caused me great harm because of them my credit status with my previous credit card accounts are gone and I am considered as a credit risk. This is not fair because no one from Bank of America informed me of anything. No one called or sent me any statements telling me what the problem was. This was their mistake and they should be held accountable not me. Is this what happens when you make your payments on time and never have any issues? PLEASE HELP!!!!

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 2016-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has not allowed me an avenue to show proof of recent hardships regarding loan modification. Enclosed, you will see letters from the bank regarding the upkeep my my property and current damage. 

Bank of America will not give me a contact with Email to send this information. They are not working me to find resolve. 

The assigned, yet, another lower level representative who has not reached me. I left XXXX messaged.

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 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had a student loan with XXXX back in XXXX. I recently graduated from XXXX school in XXXX XXXX. I have n't recieved any mail from Navient with a welcome letter the address/phone number they had on file was incorrect. I put my loans in deferment with the department of education in XXXX XXXX they told me I would n't have to worry about any loan payments until XXXX XXXX. XXXX XXXX, XXXX I got a call from an old classmate saying Navient left them a message to contact them. I immediately called Navient to see what happened. Navient said I had made any payments to my loan I was confused because I was in deferment. I explained to them that I should be in deferment I filled out the paperwork in XXXX XXXX and I was approved. I reported that I do n't have a full time job as of yet and I 'm actively looking for employment. Navient said they understood and all I had to do was fax them unemployment forms which I did. I checked my credit score and I been report for 90, 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was unfairly treated by you mortgage dept I will be happy to discuss this my phone number is 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