vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I am on a home modification with XXXX and they went out of business. Unbeknownst, to me, XXXX XXXX, the investor, who has not been supportive sold my loan to this ... Penny Mac Loan in XXXX, CA. This so called bank or whatever they are had stolen my money, forged my name and continue to harass me. They continue to increase my payments and had the audacity to say to me. I quote, if I did not like it to walk away. These people are vicious, unprofessional, incompetent and I haaaaaaaaaaaaaaaate them. In all of my life, I have never dealt with such beasts. I am requesting an investigation against these people and their license to be permanently revoked. This business is not a business. They are a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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:
My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I cosigned a private student loan from Navient for my then partner XXXX. My former partner made payments on time for nearly 6 years until he lost his job in XXXX. My former partner did not finish his degree, so he could not request cosigner release from the loan ( The loan holder must request cosigner release and there is a whole list of requirements that I was not aware of. I thought the loan worked exactly like my student loan from XXXX, after 2 years of on time payments, my cosigner was released ). Due to the confusing and unfair terms of the cosigners agreement, I am now stuck paying off the loan for someone I am estranged and ca n't contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: FL

Complaint narrative:
I tried to close my XXXX IRA at Bank of America 's XXXX XXXX and they told me it would cost {$75.00}. I currently have {$81.00} in the account. 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 2016-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a Bank of America Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date.

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 2016-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I pulled my credit score through my XXXX card ( it was a feature they allow with their online services ). I noticed my credit score dropped XXXX XXXX points from around XXXX to around between XXXX & XXXX. I got worried and pulled my free credit report through XXXX and found out that my HELOC with Bank of America was reporting 60 days past due from XXXX and XXXX. I have always had stellar credit and had a few VERY SMALL medical collections show up through the years is all ( which by the way, medical collectors are notorious for reporting collections to your report immediately and should have to follow the same rules as banks since it is all financially related ). My ex-husband and I divorced back in XXXX of XXXX and I asked for Bank or America over the phone to add my mailing address to the mortgage account as well so I would be notified of any late pays prior to them reporting to my credit report to make sure there was nothing ever reported since my ex-husband was responsible for the monthly payment on this account. Well, I just found out they reported my information to the credit bureau and I was never notified so when I pulled my credit report I was shocked to find 60 days past due on my MORTGAGE! When I contacted Bank of America on XXXX XXXX, XXXX ; I spoke with XXXX, and was told Bank of America 's software can only take XXXX mailing address for them to mail anything to ; therefore, any co-borrower or guarantor or any other party to a loan will never receive notice of late pays. My ex-husband and I do not live together so any mail sent to the primary address will NEVER make it to me ; therefore, I was not properly notified of any late pays and was not notified prior to any adversity reported on my credit report. At this point, I am looking to sell my house, but I will now not qualify for a mortgage loan with a prime rate because there are late pays reported to my credit. Had I been notified, I would have made sure the payments were made on time.

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 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I had a a bill of about {$1100.00} from XXXX XXXX XXXX. I was sending them payments every month of {$10.00} and they stated that this was not enough and sent my account to a collection agency which is Central Financial Control. I talked to several people at the collection agency and advised that I was only able to pay {$10.00} per month as I have about XXXX more medical bills that I 'm currently paying on. They told me that this amount was not enough and that they had already sent my information to the Credit Bureaus on XXXX/XXXX/2016. I noticed that it was not reported then, but it was reported on XXXX 2016. I have copies of the checks sent to the hospital and to the collection agency. 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 explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
I had a medical bill of {$540.00}, in which I was overcharged from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I called the billing dept at ( XXXX ) XXXX and they agreed to reduce it to {$270.00}. I paid them right away to clear up the bill to get a piece of mind! 

On XXXX, XXXX, I went to XXXX XXXX XXXX XXXX open a checking account and to apply for a credit card. 

On XXXX XXXX, XXXX, I received a denial letter from XXXX XXXX XXXX due to a deliquency, which was listed as the collection account I had already paid for. 

I requested my credit report from XXXX on XX/XX/XXXX, and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report, ( XXXX ) XXXX, and was told my account was " settled in full '' and had a {$0.00} balance. I requested them to mail me a letter. 

On XXXX XXXX, XXXX, Central Financial Control sent me a letter to confirm that my account was " settled in full '' and that it would take 30 days to update my account with XXXX, XXXX and XXXX XXXX. I gave this letter to XXXX XXXX XXXX for them to process it again and attempted to apply for a credit card there a second time. 

On XXXX XXXX, XXXX, I received another rejection letter from XXXX XXXX XXXX. They advised me that Syndicated Office Systems ( or Central Financial Control ) NEVER removed my account from collection. 

On XXXX XXXX, XXXX, I called the phone # listed within the letter that was sent to me from Central Financial Control, ( XXXX ) XXXX, & spoke with representative XXXX. He said that his company POLICY will not remove it, even though he understood that I had already resolved the case & had a {$0.00} balance. I requested to talk with the manager & was transferred to XXXX XXXX. I had to leave a voice message on his voice mailbox because he was not available at the time. 

On XXXX XXXX, XXXX, since I NEVER received any calls back from XXXX XXXX or any one at Central Financial Control, I decided to call XXXX XXXX Billing Department at ( XXXX ) XXXX & was advised that Syndicated Office Systems is in charge of handling all medical billing. They could not see my account information within their computer system. 

It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems, then who knows what they can do with the patients ' confidential information?! 

I attempted to make another call to Central Financial Control and spoke with representative XXXX, who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to " Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help, but he DOUBTS that they will remove my account from collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was unemployed on XX/XX/2016 and Navient would not grant me a forbearance without making a payment of {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX should be reporting a XXXX balance! This was a purchase money 2nd loan. Per California Code of Civil Procedure Section XXXX Cal . Civ. Proc. Code XXXX. States the following : No deficiency judgment shall lie in any event after a sale of real property or an estate for years therein for failure of the purchaser to complete his or her contract of sale, or under a deed of trust or mortgage given to the vendor to secure payment of the balance of the purchase price of that real property or estate for years therein, or under a deed of trust or mortgage on a dwelling for not more than XXXX families given to a lender to secure repayment of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied, entirely or in part, by the purchaser. 
I have submitted my demand to the creditor and bureaus and have not gotten this issue rectified. Correct this error immediately or delete this account off my credit file!!

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 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?

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 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20 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: VA

Complaint narrative:
I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.

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 2016-06-30 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:
The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the XXXX validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Bank of America ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The " proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up " invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.

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