vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 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: SC

Complaint narrative:
I had a business account with bank of america, I never used the service, disputed the account, complained about my salesperson XXXX, after going round and round with this bank, they finally closed the account, with a XXXX balance, so I thought, while all this was going on, I filled a chapter XXXX bankruptcy, this account was included, the bank was notified, we gave them the attorney information, they were also notified by the bankruptcy courts, in fact I spoke to the bank directly, want to say about a month ago, which brings me to today, bank of america turned over a charged off business account to a collection agency, which is demanding payment, for an account that was already included in chapter XXXX bankruptcy, our bankruptcy is active/current, there are a few issues with their major mess up, first, they have already been notified of a chapter XXXX bankruptcy, months ago, the account they sent to collections was included, secondly, under an active chapter XXXX bankruptcy, at NO TIME are they allowed to collect a debt, while I am in the plan, which is for XXXX years, furthermore, they sent my account to a third party collection agency, without doing their due diligence, if they would have done their homework correctly, they would have properly documented my account and placed it in the collection que, which they did not, this bank and the collection agency XXXX XXXX XXXX CA XXXX phone number XXXX my file number XXXX, have violated my right under the FDCPA and Bankruptcy protection chapter XXXX ... ... ... ... 

On Thursday XX/XX/2017 I called the collection agency, spoke to XXXX of their XXXX, she was rude, kept talking over me, would not give me an opportunity to fully explain what is going on with this account, told her they bought bad paper, she wanted to argue with me, told me no they did not, she then told me " This is not going to be a XXXX way call '' then without giving me an opportunity to give my attorney information or explain whats going on she hung up on me ... ... ... .. 

This is clearly another violation under the FDCPA for harassment, if the collection agent, would have shut up and allowed me an opportunity to fully explain what was going on, this matter could have been resolved, without me filling a complaint against BOA and the collection agency, I want them prosecuted to the fullest extent of the law ... ... ... ...

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 2017-01-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America charged me a late fee because my credit card payment did not clear by the due date of my monthly bill, despite the fact that I had automatic payment set up with the option checked " Pay to arrive on due date. '' The phone representative who I spoke with said that this option did not account for possible lags in the funds transfer between banks, which could take up to 72 hours. However, there was no warning on the automatic payment screen on their website that indicated this.

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 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been a Bank of America customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX BOA said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like BOA continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. BOA refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with BOA by calling their customer services but they insisisted the charges are valid. How can that be?

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 2017-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My name is XXXX and I was a previous student at the XXXX that was shut down on Tuesday XX/XX/XXXX. I XXXX with my XXXX XXXX degree in XXXX in XX/XX/XXXX. Since attending the school I have obtained {$100000.00} of student loan debt from private loans and Federal Government loans. While attending the school I was promised and guaranteed that I would be able to obtain a job that would make the same amount of money that I invested into the school. When I was attending the school the Financial Department never went over the terms with me and how much money was being financed for the courses. Also the Financial Department denied me each semester of Financial Aid which was observed because I only made less than {$40000.00} a year. At the time I was living with my parents due to XXXX difficulties. 

The second vendor that XXXX was associated is with Navient. With Navient I owe {$75000.00}. With Navient I have XXXX different forms of loans. The first forms of loans is called Subsidized and Unsubsidized loans. The Subsidized/Unsubsidized loans are provided by the Government. The second portion of the loans is called XXXX. The XXXX is provided by Navient. After researching the open loans Navient opened in my name there is XXXX in particular in which they claimed I went to XXXX in XXXX. The school was taking loans on my behalf without letting me know in areas I have never been. That portion of the loan I owe is {$22000.00}. When I called Navient and ask them why there is a loan taken out in my name for the XXXX in XXXX that they are not sure but they told me that I am required to pay it. I never been XXXX and never attended school in that location. The only XXXX I attended was in XXXX VA for my XXXX. Next I attended XXXX, VA for my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 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: MO

Complaint narrative:
shows open status, but consolidated and closed. Please update, and inform credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This account is closed since XXXX/XXXX/09 and still showing om my credit report XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been working with Bank of America to do a loan moodification to save my home from foreclosure for almost a year. I have submitted documents over and over to them, via XXXX and they claim to not have received them even though I have sent them in envelopes with lables supplied by BofA and have tracked them and showed they have been delivered to BofA. As of today they said they are moving forward with foreclosure because they said they have not received documents that I have proof via the XXXX tracking label that where received by them. It seems as though they are doing everything to keep me from getting a modification. I have a foreclosure sale date of XXXX/XXXX/2015 and I am not getting any where with BofA. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/2007 I was a XXXX and make my way into the world. I started looking for schools to continue my education and ensure a healthy and stable future. 

My search abrubtly ended when I was called by a recruiter from XXXX XXXX XXXX. She spoke with a manner that invited and ensured me of a successful future of my dreams. 

Needless to say I 'm sure she talked a lot of XXXX year old XXXX young men into committing to what has been the biggest mistake of my life. 

The admissions process alone was worse than buying a car with the amount of lectures and pushy tactics, not to mention the mountains of paperwork they pushed onto me. 

I lasted a year before the lack of education finally took hold. The instructors ( definitely not professors ), could hardly XXXX, much less teach XXXX XXXX XXXX. 

Upon the utter dissapointment of leaving without even a certificate of any sort, and ontop of the fact all of the credits earned were worthless to other accredited institutions, I had learned just how much a single year at XXXX cost .... over {$27000.00}. 

It is now almost a decade later and I owe a little over {$13000.00}. This means nothing to XXXX XXXX or whoever else has interst in these loans because they harass every hour they are allowed, every day they are allowed. They have no reasonable customer service and the negotiations I have attempted to make have been laughable at best on either side. 

I sincerely hope action is taken to prevent these types of institutions from preying on the youth of this country, by selling dreams they can not make and promises they can not keep. 

I also hope thay many learn from these types of experiences so that one day, if they are faced with a similar situation, they can identify it and save themselves from over a decades worth of headaches. 

Who would 've thought that pursuing the American Dream could turn out to be such a nightmare. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 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 XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I would like a thorough audit conducted on my student loan account. I asked Navient to conduct an audit few years ago because I believe I was being charged a ridiculous amount of interest. I also submitted a complaint to the attorney general of the state of Connecticut which is where I reside. I have been out of school for almost 10 years and my student loan balance has almost tripled because of interest. I have no problem paying what I owe but I do n't think I should owe more in interest than the actual dollar amount that I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago. 
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Bank of America advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Bank of America need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Bank of America verify 's his information, they claim because it 's " maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, bank of america dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their " risk '' systems and stop stealing money from customers. 

The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened. 
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Foreign Transaction fees charged by Bank of America While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars?

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 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Our vehicle was a total loss in an accident. This happened during a Chapter XXXX Bankruptcy in through which the loan was paid off 100 % to Bank Of America per their claim in the bankruptcy court. However, B of A will not release the title to XXXX XXXX because they are saying there 's still {$320.00} owed for something. They do n't know for sure if it 's even owed and ca n't tell me what it 's for. But they are holding us up from replacing our totaled vehicle even though there is a Court Order from the Federal Bankruptcy court ordering XXXX XXXX to give us the proceeds from the settlement so we can replace the car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: CA

Complaint narrative:
I sent the following instructions to Navient : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 

2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 

3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 

Thank you for your cooperation. '' Navient did not comply with the standing instructions provided, stating that the instructions must be submitted on a separate piece of paper with each and every payment. This is not consumer-friendly as I use a third party payment processor, XXXX, which does not provide the option to send a separate piece of paper with the check. 

Navient states that they do not have the technology or infrastructure to have the payment instructions automatically apply to every extra payment without further instructions. This is not acceptable for an organization of the size of Navient, which has the resources to make the payment process transparent and straightforward for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We tried to make a withdrawal at an atm ( We are in XXXX ) I have a receipt that the transaction was rejected. My Bank of America side said the transaction went through and they deducted the money along with the fees. I called them and they said I had to wait until the next day when it would be removed. The charge is still on my acct. I told them to credit my acct until they figured it out like XXXX and XXXX would do. They said they do n't do that. These banks get away withXXXX. They have XXXX in assets and if I needed to buy food I would still be waiting to eat. They should not be allowed to do this. Also, they have a telephone system that does not work. I hadto push buttons randomly until a live person responded. I spent 33 minutes on the phone with a company that charges me {$16.00} per month to take my money.

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