vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
My banking/checking account with Bank of America was compromised. I received several new debit cards after the others were closed, somehow they, too were compromised. I asked Bank of America if it could be a specific vendor I was using, possibly they were obtaining my information. The claims totaled to nearly {$5500.00} over the course of about XXXX weeks. Bank of America denied my initial claims, I had them reopen the claims and explained to them that I was out of the country during a portion of the time when the charges were made. The charges were all foreign transactions, with untraceable web addresses, Bank of America said they denied the initial claims because it did n't seem " suspicious '' enough. That is literally what they told me. They said if it was a true act of fraud, the thieves would have made larger transactions instead of back to back, repetitive, same or similar amounts, less than {$50.00}, over an over. I do not understand how they can justify their reading on that. They asked me to send them information proving I was out of the country, on a cruise, which I promptly did. They postponed the " resolution '' of my claims XXXX different times. The whole process has taken over a month and a half to come to them denying the second round of claims. They told me after the initial denial that it seemed suspicious that the thieves were able to get my new debit card numbers from the temporary card and the second permanent card. Well of course it 's suspicious. The whole thing is suspicious, that 's why I reported it in the first place. I explained to them that I initially thought that the foreign transactions had something to do with the cruise line having my card & perhaps they were " charging as I went '' on the vacation, that was n't the case, the charges had nothing to do with the cruise line. This whole situation has been extremely stressful, as the amount is quite large, it 's irritating to me that Bank of America seems to not really care whether or not the money is credited or not. I thought that there were laws and Acts in place to protect consumers from things like this. Situations like this is why people do n't trust banks. I just need some advice or assistance in getting my money back, I 'm to the point now where I 'd almost accept even a portion of what was stolen, I just need some sort of resolution. ASAP. Thanks

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 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I Had money save up on money orders i deposit into my bank account a few days later my account is being close Bank of american never gave me a reason for closing my 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 explanation
Consumer complaint received 2017-03-22 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: FL

Complaint narrative:
I have an issue with Navient. I called to settle my loans. The gentleman who answered told me i was eligable for loan forgiveness. If i made 3 installments. Which would be considered half my paymemt for my loan and they would pay the other half. Now im recieving statments requesting money from Navient. I called them and they said my momey i payed was just a servicing fee. Im trying to get to the bottom of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was given a reverse mortgage with Bank of America and applied for a loan mode that they approved six months later after I mailed all paymnets on time they said my loan mode paper work was lost and I am being forclosed. I turned to my lawer to stop it and while we are waiting for court Bank of America turned around and sold my account to XXXX XXXX mortgate before we had a chance to go to court in 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 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The last paperwork that I received from Bank of America said that I was XXXX month behind on my mortgage. I agree. This was in XX/XX/XXXX They sold my mortgage to XXXX and then all of a sudden I was XXXX months behind. I am not sure what happened. I do n't save paperwork because I new where I was with the situation. I am not sure how how these companies work completely. 
I asked for paperwork stating my payments and how they were applied. What they sent me I do n't understand at all. 
Now I tried to make a payment and they would not accept it. 
Please help Sincerely XXXX XXXX XXXX, IL 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 2016-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: NJ

Complaint narrative:
I am getting harassing phone calls from Navient. I am called about XXXX times a day, including weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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:
Hi, I was XXXX enough to fall for a scam. I was selling a table on an app called " offer up. '' A girl messaged me that her dad was interested in the table so she asked me to e-mail him XXXX. I emailed XXXX and he said he really wanted the table and he would give me an extra {$50.00} if I took it off the site and I held it until his movers could come get it. He was apparently moving into a new apartment and was away on business so his movers would be taking care of everything. He said he would be mailing a cashiers check to me so once that cleared they would come pick the table up. A few days pass and he emails me that his assistant made a mistake and instead of writing XXXX checks, she put everything in my name. So for my {$150.00} cut he sent a check overnight for {$2600.00} through USPS. I was skeptical when the check came but it was a XXXX check from a constructiion company in XXXX. I googled the company and it is listed as a licensed company so I thought I would help this guy out. I really cant believe I deposited the check ... ..I cant stop re-living that stupidity. Anyway, the check was deposited on a sunday and by tuesday it cleared. " XXXX '' asked that I send the {$2500.00} to the movers Bank of America account. I did this and 15 mins later my account was frozen and negative. This guy is a real piece of works. Once I found out what happened and filed a police report, I decided to mess with him. I emailed him that I never heard from the movers and did he know when they could pick the table up. He just told me this am that there was a problem so I could keep another {$50.00} and to deposit the rest to XXXX in Indiana. Now Im just messing wity this piece if XXXX. How can bank of America not flag this account? I doubt its the first time this happened yet it seems the scammer is protected by bank which only enables them to kerp doing it.

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 2015-11-25 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: NY

Complaint narrative:
i applied for a bank of America rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America did receive written Notice via Certified Mail that the alleged mortgage debt was in DISPUTE in accordance with FDCPA guidelines. The Bank failed to validate the debt within 30 days as required by the FDCPA, therefore admits to not being a party of interest, and can not collect on the alleged debt. 

Despite receiving subsequent Notices, the Bank has continued to report an unvalidated debt to the credit bureaus in violation of the FCRA, and has not removed the lien as required. The Bank is also violating the Uniform Federal Lien Registration Act, which states that the Notice of Lien requires that the notice be certified and signed by the Secretary of the Treasury of the United States or his or her delegate. The Bank would need to provide the documents evidencing they have that have a bona-fide written signature showing authority for lien attachment. A signature stamp, with no first or middle name, or with one initial and a last name does not constitute a bona-fide signature or bona-fide presentment.

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 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For the last two years I have been battling with Navient and their payment policies. I put in to defer my payments twice and Navient failed to tell me about the {$50.00} " security deposit ''. Also every time I got off of the deferment plan, Navient charged me as though I had n't paid for months. It XXXX my credit each time. And I had to contact them incessantly after each episode of this. I 've informed them and tried to solve it on my own but my credit never got better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Bank of American let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Bank of America and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am the co-signer of a Navient ( formerly XXXX XXXX ) student loan for a family member. The loan balance is {$71.00}. I would like to be released from this loan, but Navient requires that the borrower initiate the process. I find this strange because Navient considers this " my loan '' and has harrassed me in the past, when the borrower was late or they needed updated information on the borrower. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: MD

Complaint narrative:
I have XXXX student loans with Navient that currently show XXXX missed payments back in XX/XX/2014. This is definitely incorrect because after my semester ended in XX/XX/2014 and I knew that my loans were coming up for payment I entered my deferment paperwork. This paperwork was accepted and approved. I do n't ever remember receiving any information regarding late payments and I currently do n't have any payments due at this time. I believe they are reporting false information and I have made several attempts to work this situation out. I do n't have any other late payments on my credit report and these are really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: OH

Complaint narrative:
I was talked into obtaining a private student loan from XXXX by a school program for pilots that promised to teach me how to fly. The school fell through on their promise and I was terminated with no previous warning. I contacted XXXX at the time to see if they could help me and all they did was put me on forbearance and after years on forbearance they have started threatening phone calls and harassing both my cosigner and myself. I later found out that the school I was with obtained the loan on my behalf by using their Part XXXX designation when I was not a Part XXXX student I was actually a Part XXXX student which is not allowed to obtain student loans. Now they call on a daily basis multiple times a day and I have tried to arrange for payment but they want me to pay an outrageous amount of money per month that I nor my cosigner can afford. I do not know what else to do and have ran out of ideas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Bank of America Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.

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 2017-02-03 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: KS

Complaint narrative:
My repayment schedule that was provided by Navient does not match what is actually being withdrawn from my account. They are withdrawing more and I keep asking them why, and they say it was because of the forebearance that I had done a couple of years ago is now catching up. But I have been paying on time and hasnt missed a payment for 3+ years now, even making more payments than the usual, and I 'm still not ahead based on their repayment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XXXX XXXX 2016, I applied for a Bank Of America XXXX Credit Card ( " BOA '' ). BOA targeted me with personalized mailings and online advertisers promising {$100.00} statement credit, XXXX miles, and a companion airfare. However, BOA approved the account at their Platinum Plus level, based on their assigned credit limit. This card came with XXXX points and no additional benefits. Buried approximately XXXX paragraphs into the Terms and Conditions, BOA explains the difference between the XXXX XXXX and XXXX. This is anything but clear. BOA does not indicate in XXXX location the overall benefits of the XXXX product, unlike the XXXX XXXX edition. BOA is purposefully deceiving customers and their actions are within the jurisdiction of CFBP and FTC for enforcement under authorizing legislation. 

BOA has gone above and beyond to sell me a product, however, they gave me something entirely different without any notice. It 's also of notice that my credit score, income, existing trade lines, and other BOA products are consistent with BOA approval criteria for their Signature products. This is an obvious " bait and switch ''.

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 2015-10-20 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:
I went in to Bank of America to open a account. I was told by the branch manager that my name and social security number was showing up XXXX. I was then giving a phone number XXXX to call. I call the number and the person answering the other line, searched the information I 've giving them. An I was told my name and social was not XXXX, but on the Branch Managers computer inside of Bank of America was stating I was not able to open a bank account. The Branch Manager and the person XXXX spoke on the phone to one another and at the end of their conversation. I was still not allow to open account.

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