vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 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:
Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: MN

Complaint narrative:
Navient continues to try to collect a full payment ( monthly ) by requiring me to reset the online payment amount shown on their website ( on a monthly basis ) in order to pay the agreed upon income repayment plan amount. I can not enroll in the automatic online repayment or the full {$1200.00} will be taken from my bank. So every month I pay manually ( online ) by going in to 'reset ' to the lower amount prior to submitting my payment. I asked Navient about this and they said I ca n't remove the higher amount. So I tried paying the higher amount down- but it ca n't be done. It just renews to the {$1200.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: CA

Complaint narrative:
We obtained a mortgage from Bank of America to purchase our home. We repeatedly informed them that we do not want an impound account and did not sign any paper consenting to an impound account, and yet, an impound account was imposed without our permission at closing. We made numerous phone calls to Bank of America to remove the impound account, and our requests were ignored. Each time we called, we were reassured by different representatives that the impound account would be removed, but nothing happens.

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 2016-12-31 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have no idea how I could owe this money. 
There is mortgage ( or apparently several ) on my house. I have made XXXX payments to my first mortgage and now owe more than I borrowed. I am certain that I have paid at least {$400000.00} more than I owed. 

I have tried everything. I have written dozens ( maybe 100 's ) .of complaints ; with ; CFPB, independent foreclosure review, attorney general, comptroller of cuttendy HUD met with attorneys spent lirally weeks of 24 hour days on the phone with the now 7th services. 

Her are the details Purchased XX/XX/XXXX Price {$280000.00}. 
Down payment XXXX Loan amount {$210000.00} at 7 % Refinanced XX/XX/XXXX {$220000.00} ( escrow shortage ) 6.5 % Same lender- Fleet Problems : double statements late fees ... 

Refinanced XX/XX/XXXX to payoff {$38000.00} second at 8.5 % and a balloon paid to approximately {$21000.00}. ( XXXX interest statement {$1700.00} ) reduched to 6.125 Countrywide reduced to 5.875 XX/XX/XXXX Refinanced XX/XX/XXXX -again problems latennotice and not late Bank of America Again XX/XX/XXXX interest only. {$260000.00} 4.3 % XXXX Somebody owes me {$460000.00}. 

XXXX we do n't owe means {$200000.00} just DISAPPEARED. 
I want the CFPB to figure out where it is. And I want the full amount refunded directly to me. 

Bank of America offered me two loans in XXXX. 
{$420000.00} on my house and {$200000.00} on my duplex. 

I did not accept this offer. I did n't sign anything, nothing was refinanced AND I DIDNT GET ANY money! 

They owe ME {$620000.00}.

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 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, I completed a XXXX transaction with my credit card knowing that the pound to dollar exchange rate fell to XXXX after the XXXX vote. The transaction was executed by University XXXX on the XXXX and posted by Bank of America on the XXXX. Bank of America charged me {$7100.00} for the transaction which translates to an exchange rate of XXXX. The difference in rates led to me being overcharged {$330.00} on the transaction. Even if you use the exchange rate on the XXXX ( posting date ) the difference is even higher. My credit card with B of A has a provision of no forex fees so the difference is not a fee ( I have done these before ). I was over charged at least {$330.00} on a single transaction. I have attached documentation to support. Thank you, XXXX XXXX, 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 2016-10-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I currently am enrolled in a Rate Reduction Plan for my private student loans at Navient. My student loans are making my living situation very difficult and I deseparetly need in stay in the Reduction Program to be able to keep compliant and make payments. They are denying my Program starting next month. I have tried emailing and calling for 4 days straight on and at some point all the time I get the run-around or hung up on. I need help or I will become bankrupt and still will have these loans on my record and make life for me difficult for decades. My loans have almost doubled in size because of the interest rates and deferment in school. I was not made fully aware of this program when I first signed up and feel like Navient obviously is not helping me in this matter. I am responsible, have a full-time job and work hard to keep paying all of my bills on time. But because of these student loans, my debt-income ratio is insane and I 've had to rack up credit cards to keep up with payments. I need help or I 'm going to lose everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: CA

Complaint narrative:
Hello! 
I recently resubmitted my income verification for XXXX, which I have been using for years. Navient responded and said I was ineligible for XXXX because I have a PLUS loan -- -but I have been doing XXXX for years. I have submitted several complaints over several weeks to Navient and I have not heard back. If they do not make the correct changes, I will be billed over {$1000.00} in monthly payments. 

Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
I have multiple loans with Navient that totaled more than {$50000.00}. I requested documentation on the loans in the past to determine if the balance is accurate. 
I did not receive the required details on each loan as requested. My loans have increased or skyrocketed in spite of me making timely payments monthly. 
I feel that my current balance is inaccurate even after paying off several of the student loans received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I can not afford to repay my private student loans. My monthly payment is way to high and my interest rate keeps increasing. Navient will not work with me at all. I will die before this loan is ever paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was banking with Bank of America a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Bank of America of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.

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 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I requested a mortgage satisfaction letter for my property at XXXX XXXX, XXXX XXXX XXXX XXXX from Bank of America which is in the process of being sold. Since then I have made numerous request and I have received the wrong document 3 times pertaining to another property in another state. I have spoken Bank of America 's Advocacy Team and again received the wrong documents.This has delayed the closing of my home and possibly the sale of the above property.

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 2016-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: WI

Complaint narrative:
I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.

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 2017-02-27 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: OR

Complaint narrative:
I am not given any information when I need to renew my repayment plan, I am just sent a very large bill that I cant pay. When I contact them to have the issue fix, I get a run around, am given information to sign up for programs I do n't qualify for, throw into " forbearance '' so they cant still collect interest while hopefully fixing the problem. I have even made a payment a few years ago on a small amount that they say was for some reason not included in my consolation. I now have it on my credit report as default .... I do n't have the proof of payment as it was much later I found out they did this! Very bad company to deal with. Rip you off every chance they get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2014 I took out a loan with Capital One Auto Financial in the amount of {$28000.00} for an auto loan. I came into XXXX XXXX to purchase a vehicle because I had gotten several pieces of mail saying I was pre approved for a loan up to {$30000.00} from Capital one. I am a XXXX and had a fico score of XXXX at that time. The interest rate I was given was 21.74 % and the dealer told me that i had to purchase a warranty for {$2200.00} to qualify although I was presented with a paper to sign saying that I did not. Along the term of this loan I have had two instances where i was approved for due date changes that I did not receive and cause me to have late payments on my credit history. Also I was told over the phone that I was approved for an extension and did not receive that either and caused my payments to pile up. I feel that here it is three years later and I still owe {$23000.00} of the initial {$28000.00} I have borrowed with almost three years of payments of {$710.00} and still have three more years to go. This loan was predatory and I feel that I was taken advantage of. I could not refinance because I 'm so upside down and have no hopes of trading it in either. Now I 'm behind in payments and I am just at my wit 's end and really need your help. Thank You.

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: NC

Complaint narrative:
I have had several issues with Navinet. I could not afford my payments they sent it to collections without informing me. It went on my credit and is still on my credit saying I 'm am not current and I am because if I did not set up monthly payment plan they would take me to court did not ask me to provide any financial information all they wanted was my bank account information. They get their money every month automatically while I could use that money to provide food for my kids. Customer service is a joke there they do n't listen or care to know what is going on. All they want is money every month. I have been trying for almost two years to improve my credit but ca n't because of how they have it listed on my credit. I receive a monthly statement from them and even though I pay monthly it is still has not decreased like it should. Its frustrating knowing I pay monthly and not get any where because of how they apply my payments. The very sad part was I did n't even know I had a loan until 3 years ago. I enrolled to a collage online. I never received any money. Or infrormation about it at all to help pay for my classes. The collage took it all and I had to drop out because I simply could not afford it. The collage wanted me to take a loan out and I said no. The next thing I knew I received a letter saying I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am before the va appeal process on a debt of overpayment. The us treasury has hired a cbe debt collection agency ( twice ). The first took my federal taxes last year and now this agency is threatening me with wage garnishment. 

I have spoken with a lady at the va appeal board by phone and says they can not do this, it is harrassment and i have told them this. 

yet they still harass me and now want to attach my wages. 

I want this stopped and my last year taxes reimbursed due to illeagally obtainment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: VA

Complaint narrative:
I had a utility bill that was sold to XXXX XXXX XXXX XXXX - I paid this back on XXXX/XXXX/2015. I went to apply for a mortgage loan and found out that now CBE group is trying to collect on this. I provided them all the documents and called and asked them to remove this account because it was not my fault. They said NO - we will update this to Closed. How can they report something let alone try to collect on something that I already paid to another collection agency. This is now stopping me from getting my home loan. I am prepared to file a legal suit against them if I have to. I just want the account removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Bank of America. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Bank of America and it was rejected as " ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Bank of America. On XXXX XXXX, we received a letter from Bank of America indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Bank of America proved to us clearly shows the Shipping Address as " UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Bank of American or their associates does not have the right to come up with " bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Bank of America recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Bank of America is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt as well.

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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting. 
I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to see a teller about a check deposit, and Bank of America banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. Boa regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said BOA does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a boa credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a BOa credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief