vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My issue is with Bank of America. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Bank of America and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Bank of America could not give me any good answers. Over the past year Bank of America has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am set up on a rate reduction plan where XXXXNavient auto drafts their payment from my checking account. The payment amount is XXXX from my account is. For the last statement that I received, there 's a late payment charge on there. I 've never been late on an auto draft .... I am under the suspicion that they are trying to sneak in fees to further inflate what I owe. Also, my billing statements do n't seem to add up. Online it shows no more than XXXX or so but I 'm being drafted for about 4 times as much. I understand that paying more will help pay this down but I am already struggling to make these types of payments with my wage. 

They started me on this program last year and it seemed to take a while to kick in. When I called to ask, they gave me some crazy excuse of the payment not going through and tried to make me pay a higher price because " I was late ''. I checked with my bank and all of my money had been there the whole time. I would really like you guys to pull the recordings from last year. I believe they were looking for a way so that I could n't pay the {$550.00} each month but more instead. Their sneaky antics seem fraudulent to me and I 'm not happy to be dealing with this predatory lending experience. 

Also few years ago XXXX XXXX has called my co signers repeatedly even after issues were resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NV

Complaint narrative:
They would n't let me lower my payment and said it would go into automatic default if my dad died. They kept putting it in Forbearance instead of lowering my payment like they said. I 'm about to default. I kept asking for a lower payment but they said they could n't do it until the past due was caught up but they gave me no way to do that. I offered to send what I could but they told me not to bother because it did n't matter. My dad died a over a year ago and I 'm scared to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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:
The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 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: WI

Complaint narrative:
I went to XXXX in XXXX. I was never told about my student loan and am now paying a private loan through XXXX/ Navient at 13.375 percent interest. I have a copy of my student loan exit interview with the box unchecked signed and dated. I believe the school and XXXX are and were preditors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
Each time I setup payment plan a new holder took over my loan account. This made it difficult to keep up with loan amounts. Whenever my account fell into a new owner and my account was brought current, the balance increased drastically each time. My original loan amount had now increased in double the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why.

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 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Basic Complaint : XXXX XXXX, XXXX Between XXXX, XXXX and XXXX, XXXX, my student loan increased by the amount of {$3.00}, XXXX. More specifically, according to Navient, the balance of this loan was {$30.00}, XXXX on XXXX XXXX, XXXX and by XXXX, XXXX, the same loan cited a balance of {$34.00}, XXXX. It is highly unusual for any student loan balance to have increased several XXXX dollars in less than six months. 
To date, there has been no explanation by Navient or XXXX XXXX on this matter. 
During several months, Navient did not report any type of accrued interest on this loan. 
However, in XXXX, XXXX, Navient processed the accrued interest even though I resided in a subsidized housing for the first time, and I had lost major employment due to our nation 's earlier recession. There is no specific logic for this loan balance increase. 
I am holding Navient accountable for processing my student loan with accuracy as well as consistency. As a result, I am requesting an immediate overview of the accounting processing of this loan to correct the issues cited above. 
Thank you for a prompt response. 
Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by " XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from " XXXX '' but the denial letter. In fact I just received another letter from " XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX, but I am still waiting for the denial letter. I wonder why I still do n't receive it ... I guess it got stuck in traffic. Helping me keep my house is not in the bank interest. It 's more profitable to sell the property. These guys were bailed out by the government. They should return the same favor to desperate homeowners. I am not asking for a free house.I have a steady job. All I asked is an affordable payment plan. But it 's impossible for BOA and XXXX XXXX XXXX to provide such help. BECAUSE I COULD NOT COME UP WITH {$56000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a " Check Cash Advance '' promotional balance at the correct interest rate. I was told that " you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, " The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 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: IL

Complaint narrative:
I am receiving notices in the mail from Navient in reference to a loan I never took out. The loan is under another individual 's name and the letters that came state that the indiuvidual who originally took out the loan is delinquent on payments and that I consigned on this loan. I have never consigned on any loan or consented to consign on any loan. I contacted Navient 's customer service number listed in the letter and was essentially given the run around. I explained the matter to XXXX different customer service representatives, initially being disconnected leading me to have to explain the issue XXXX diffent times, being placed on hold only to talk to another individual who essentially stated he was unable to help me. At that point I requested to speak to a supervisor. After being placed on hold again, I had to re-explain the situation to the supervisor who then flatly stated there was nothing she could do and that I would have to talk to fraud department at XXXX. I called this number only to receive a message that no one was available to take the call and please call back later ( No explanation as to why or hours of operation/better time to call back ). I then called Navient Customer Advocate at XXXX XXXX XXXX XXXX and again after a long hold was prompted to leave a message with no explanation to hours of operation or better time to return call. Navient has fraudulently placed my name as a consigner on a loan and has made themselves unavailable to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Bank of America actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay.

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 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair.

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 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It seems like with every correspondence from Bank of America a new angle to XXXX consumers is revealed. In my latest correspondence and this has nothing to do with any of the other complaints so BOA can not state that this has already been addressed ... With this latest correspondence they state I owe them money but at the same time have placed {$700.00} in a 'unapplied funds ' account. You know what this means? It means they have taken and are holding, and using, and profiting from the use of my money. There is no reason in the world why they would or should not apply that money to my account except again, it 's a way to XXXX the consumer. They can state their logic but there is none and actually this is n't first time. A couple times they held money to later issue a check but without any interest to me. In fact when asked, they refused to apply the money to principle. The last time I checked, BOA or any bank does n't let you use their money without paying them interest and usually some fees so why do n't they pay consumers interest or better yet, apply extra funds towards principle on a loan but oh yeah, that means they make pennies less on the loan in the long run and that goes against everything modern day banking stands for!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 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: KY

Complaint narrative:
Navient is ( 1 ) Over-estimating the amount they allege I owe them. 
( 2 ) Charges me illegal interest rates. 
( 3 ) Unresponsive to my requests for information and assistance. 
( 4 ) Discriminating against customers on the basis of race, gender, XXXX, and sexual orientation ( 5 ) Violating state and federal consumer-protection laws in the administration of its student loan account and billing practices in the above-named ways and by numerous other patterns and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
My son has both private and Federal Student loans. He did get behind and I ( XXXX XXXX Father ) have been catching him up. Actually I have always made the payments. He was going to take them over and lost his job, so I took them over and will be caught up next month or by first of XXXX 2016. The private loan was cosigned by his Grandmother. She recently passed away. The Grandfather got XXXX and died in XXXX home on Medicaid several months earlier. The feds of course took his pension and Medicare to cover medical bills. They left her with just enough just to live on. Navient is handling the student loans. The private loan is current. Navient has sent a letter to the cosigners son demanding a cosigner or they would request the loan be paid off immediately as if there was a huge estate left. The loan is current and not in default. This is harassing the family and Navient who I just spoke to said they wanted someone else on the loan to ensure loan is paid. The way the payments are distributed the private must get their portion first. Regardless the private loan is current and they are harassing the family and need to be stopped for everyones sake that has a private loan being handled by Navient. Navient stated they sending loan to a " XXXX XXXX XXXX " who ever they are for collection. The loan is current as the documents show! Stop them from harassing the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX and mutual agreement between XXXX XXXX XXXX and Bank America was made regarding a repayment plan on my loan # XXXX Case # XXXX On about XX/XX/XXXX, I attempted to make my payment however the call center advise because my account was showing in modification status the system would n't process the payment. XX/XX/XXXX I attempted to make a payment of {$2300.00} the system processed it without issue. XX/XX/XXXX, the system declined payment again the Bank canceled the repayment plan. I made several attempts to bring my account current to no avail. XX/XX/XXXX, Filed a complaint with ( CFPB ). express my concerns shortly after Bank of America customer resolution team assigned a specialist : XXXX XXXX whom I forward several financial documents/ Modification applications ... again too no avail. XX/XX/XXXX XXXX XXXX law firm notified me stating Bank America reviewed my concerns and therefore cease the foreclosure process. XX/XX/XXXX I was assigned another Resolution Specialist : XXXX XXXX whom notified me after my second complaint to ( CFPB ). stating she was my dedicated single point of contact that she would resolve the matter XX/XX/2015, Again no communication from : XXXX XXXX. On XX/XX/XXXX XXXX XXXX Attorney for the Bank notified me regarding proceeding of foreclosure hearing on XXXX, I have made every effort too make the loan current and provided documents requested for the modification filed ( XXXX ). Complaints with ( CFPB ). Currently the matter has not been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had an account with Bank of America between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Bank of America unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Bank of America since then. This week ( XXXX XXXX ) I received a customer email from Bank of America advising me about new services for account holders. I just called Bank of America today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation