vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 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: FL

Complaint narrative:
I filed a dispute with Bank of America regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because " it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Bank of America and filed a legitimate dispute. The response is " we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Bank of America 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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:
The Bank of America will not allow my daughter to be a co-trustee on a checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I always pay my bank of America bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at bank of America but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due 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 explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
College charging me for a semester I enrolled but could not pay for & had to withdraw from. 
College claiming withdraw policy not upheld. 
College did not clearly identify their withdraw procedure, should not civilly have this kind of withdraw procedure, & also implied strongly that they had a normal automatic withdraw procedure. 
College may also be claiming I received student aid benefits, whereas I did not. 

1 ) I enrolled for XXXX class. 
2 ) I attempted to find funding for semester. 
3 ) I failed to find funding, & could not meet my own cost of living bills. 
4 ) the College sends out warning e-mails implying non payment results in automatic withdrawal ( which is normal in my experience. XXXX, XXXX, XXXX, & XXXX all do this, XXXX implied that they do as well. ) 5 ) XXXX claims I owe them for semester that they know I did not attend, & offers repayment options, but obfuscates contention options. 
6 ) Personal attempts to locate an opportunity to contest their claim yield no results, & further investigation requires a dedicated PHYSICAL trip to their campus, when hours of operation are limited, a full days time is guaranteed to be consumed, & no meaningful resolution or promise of helpful information is assured. 
7 ) Because I am finically destitute & spending my time job searching, this is not an option. I do expect XXXX to self identify their mistake & correct it. 
8 ) XXXX sends their claim of my debt to a collection agency. 
9 ) I contact collection agency & request dispute & information. 
10 ) Agency sends information informing me that XXXX is claiming they provided funds for the semester I did not attend, & that I was not withdrawn from that semester ( my first clue that they have a scam policy. ) 11 ) My credit union records confirm that I did not receive funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: FL

Complaint narrative:
I am in a temporary re-payment plan with Navient and have noticed, my payment amount is for {$390.00} but when I login to the account, it shows my payment due is {$290.00}. I do not know what happens to this additional {$100.00} but what I do know is, I am afraid to call this lender and ask. Navient has me in a constant state of XXXX. Many of their customer service representatives have demeaned and debased me and I am uncomfortable speaking with them. My temporary payment plan is coming to an end shortly and there are no options available on their website about what to do, the website is directing me to contact them. I am not going to be able to afford a quadruple payment amount and am now quite concerned about the payment I will be making. If I make a payment amount, is it the true payment amount or is there another amount going somewhere else like the {$100.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refused to debit my XXXX XXXX Bank Account and then charged me a late fee. I paid the late fee and despite numerous calls, Bank of America will not debit my XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC
State: NY

Complaint narrative:
These people were told not to contact me. They are calling all the time! I want it to STOP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last year I received in the mail an unsolicited credit card from Chase Bank. The card required my activation which I withheld as I did not want the credit card. I promptly forgot about it and then about 3 weeks ago I received a telephone call from Chase advising me that they suspected that my account had been used ( or had had an attempted use ) that appeared to them to be fraudulent. I explained to them that I did not have an account or credit card with them. I explained that I had received an unsolicited card but had never activated nor used it and that I do not want it. They replied that I should contact the XXXX major credit rating agencies to explain what had happened. Yesterday I received a form letter from Chase stating that their internal investigation cleared me from any responsibility for the fraud and that they had so notified the XXXX credit agencies. 
I then though of the XXXX XXXX incident in which employees were opening credit card accounts for people just to get the bonus. Could it be that Chase is also guilty of that? 
Please look into this. I have never applied for an account of any kind with Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 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: TX

Complaint narrative:
I attended XXXX XXXX University, XXXX XXXX and XXXX XXXX XXXX XXXX. Navient is the loan servicer for XXXX of my private loans ( # XXXX & # XXXX ). They are demanding a combined minimum payment of {$470.00}. My income is about {$24000.00}, per year. I can not afford that payment. I have called and talked to the people at Navient and they offer me no solutions, yet I know there are programs out there to help me make my payments. I want to pay, but need affordable payments. Navient is not interested in helping me. Instead they have trashed my credit report reporting me now as 4 months late, even though I keep trying to get their assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Recently I found an item on my credit report from this organization. It came as a surprise as I had not received any notification, verification or communication from them. 

Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. The accounts seem to have a pattern of being opened, quickly used, never paid on and subsequently closed. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this, though only XXXX is currently being reported. I do not know of the accounts in their office and had they attempted to contact me, I could have advised these are not my accounts as these accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. 

Despite this, they continue to report inaccurate data on my credit report and leave the file open using it as leverage in a sick attempt to force payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanded we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. That makes LTV below 70 %! In the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. The LTV ratio based on BofA 's own Property Value Estimate is below 70.00 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current LTV is still under 80.0 %. On XXXX XXXX, XXXX we send a check for {$450.00} to cover appraisal fee for a second appraisal as Bank demanded. Bank cashed the check immediately and still has not even started process of appraisal. I called back PMI department they said they do n't see payment for appraisal being processed! I filed a complaint with CFSB on XXXX XXXX, XXXX, got a letter from XXXX XXXX, " customer advocate '' that she is going to resolve the matter by XXXX XXXX, XXXX. Nothing happened as of today. I am leaving messages to her phone number XXXX it does not even ring, goes straight to voice message ) she calls me back XXXX days letter when I am not at the phone and leave me a message. There is no way to get a hold of her. I asked for a fax or email to communicate, with no success. Nothing is being done and PMI is still charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To Whom It May Concern, In advance, thank you for your time with investigating this submitted issue. To begin, my student loan accounts ( federal/private ) were originally assigned to XXXX XXXX but were reassigned to Navient a few years ago. Unfortunately, due medical/financial reasons lead me to file Chapter XXXX XX/XX/XXXX, which XXXX XXXX was the provider at the time. Essentially, my bankruptcy case was discharged XX/XX/XXXX in which there was no correspondence or communication of student loans payments sent to my residence or phone calls. 

Oddly, I discovered an email nearly 8-10 months within my " Junk '' folder from Navient ( unknown source at the time ) about payments past due. As a result, I contacted Navient to further investigate the suspicious email and was advised they assumed ownership of my student loan accounts. Immediately, I requested to consult with a supervisor to obtain the reason why I was not contacted via letter/phone call/etc about this matter. Upon further review, Navient had " out-dated '' contact information and claim there were no other source of contact. Furthermore, my contact information was updated and payment arrangements were established. 

In the meantime, I requested my credit report 2-3 month later and noticed numerous late payments were listed during my bankruptcy period and during the discharge process. Immediately, I contacted Navient to inform advise them of the late payments on my credit report in which the supervisor advise she will submit a request to have all the previous late payments removed. Unfortunately, the late payments still remain on my credit report and the supervisor that was assisting me through the duration of this process is no longer an employee of Navient. 

In closing, I 'm desperately requesting assistance with this matter which is preventing me from restoring my credit history and obtaining new feasible loans ( auto/home/etc. ) to support my family. Overall, this neglect from Navient is unfair my credit history that reflects events that I did not intentionally/unintentionally commit but suffering the consequences. Lastly, I sincerely hope substantial evidence will be revealed to resolve this matter. 

Again, Thank you for your time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America prevents me from paying my Bank of America credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Bank of America has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to " verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Bank of America form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Bank of America branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.

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