vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/16, I called bank of America to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Bank of America to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc.

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 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
1. I am a condominium owner. My mortgage is with Bank of America The mortgagee requested flood insurance information which was provided. In spite of my coverage limit being in excess of the 100 % replacement value, BOA forced placed additional flood insurance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has cutting edge XXXX XXXX XXXX on everything else ( e.g. ATM machines ), yet its in the stone age on allowing credit card users to autopay a credit card. 

Users must go to to XXXX in order to do so, and even then it would n't be accomplished for XXXX payment cycles for a new enrollee. 

They enrolled me over the phone, and they put me on minimum pay when I wanted the balance auto paid. 

As platinum member, I get refunded interest when I called later. Responsiveness is great, but the system seems designed to make it as hard as possible to auto-pay the full balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I did not recognize a credit card charge and disputed the charge. I received a letter informing me that the charge is valid, without additional detail on who the merchant was. 

I still do not recognize the vendor and still do not know what this charge was for. 

The charge is only {$5.00} but if this is because a hacker is siphoning off a few dollars off of everyone, then it still deserves to be investigated.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
It will show up on my account that no payment is due and then they will come back saying I owe double and I can have late fees/penalties. It 's not usually accurate and it messes up my finances every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ...

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 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 demanding we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX on our property. 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}. Nowhere in the loan documents does it state that the only acceptable appraisal can be performed by XXXX XXXX XXXX XXXX. Under the law BofA is required to automatically terminate PMI under these circumstances. We requested termination XXXX times and it is denied. 
In BofA 's letters dated XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX it stated " your current Loan to Value ( LTV ) ratio is above 80.0 %. A new appraisal is required '' and requested payment of {$450.00}. The statement that current LTV is above 80.0 % is incorrect, and contradicts BofA ' own data. According to the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. With current Principal Balance of {$340000.00} the current LTV ratio based on BofA 's own Property Value Estimate is 71.00 %, well below 80 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current principal balance of {$340000.00} represents LTV of under 80.0 %. I believe BofA request for a new appraisal is motivated by policy to generate additional costs and fees, and to prolong the time and cost of unnecessary PMI charges. I also believe it violates current law on this subject.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I requested a copy of my promissory note a month ago to review the terms because I 'm considering consolidating my loans. Navient advised that it would take a few days to process. The only information I received in the mail was a copy of the previous servicer/lender history. I called again today ( XXXX ) and they initially advised me that they did n't have a copy of my note. When I pressed them on the issue they advised that it would take another XXXX14 business days to process the request. My payments are increasing on XXXX/XXXX/17 so I need this information quickly in order to make a decision on whether to consolidate. If Navient does n't have my note, they should not be collecting funds from me and these loans should be removed from their systems. If they do have my note, they need to send it to me quickly, preferably via email and if not email they should overnight it via XXXX or XXXX. Again, I need this information very quickly in order to make a decision about my financial future. In addition, I have some variable interest loans and the interest rates were just raised by the Fed. If my payments are increased before I 'm able to consolidate because Navient failed to send the requested information, they should be held responsible for any change in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
when the economy folded my business failed as well as a XXXX my money was cut XXXX percent. then marital problemsI was transferred to Boa from Countrywide Mortgage and has had problems every since, feel back on my mortgage with bank of america missing XXXX payment on a modification with countrywide, I had just buried my mom and was a few days behind because of the stress that I had to take on, I have worked with approved and other housing counseling companies trying to obtain a Boa modification. At first, boa policies were you could only apply every 24 months then about 2 years ago the policy changed. I was denied a modification because I did not make enough money to prove my financials being self employed, of course 2 years had passed.After having numerous account managers who never submitted my docs to the new one in charge, I always had to submit new docs.. this has gone on for years ... now I have XXXX housing counsel and we have been submitting docs. this time I have to submit the same docs again ... .7 or 8 months ago ... .I was XXXX percent away from in housing modification ... .I started making XXXX more per pay period and we submitted documents again, and we are still having to submit the same package again today. the process of the foreclosure has ruined my credit. each time I filed bankrupt was due to bank of america mortgage, each time I get started a new rep ...

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 2015-08-15 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NY

Complaint narrative:
I submitted a complaint already and they continue to call. This is an annoyance. We are seeking a Chapter XXXX bankruptcy and this company was told to leave us alone last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
There is a company that has had a collection on my credit file and I can not get them to reveal what the collection is for. As of yesterday they " updated '' the debt as to make it look like a new debt even though it 's been reported for a number of years now. I do n't feel their tactics are correct or ethical. I have been dealing with this issue since last year when I was in the process of getting a loan for a new house. The companies name is Syndicated Office Systems.

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 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX I opened a bank account at bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written boa and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind 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 explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 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: SC

Complaint narrative:
I have sent several letter stating that I want to be only contacted by mail. I also stated that my work does n't allow such contact, and I am still getting phone calls, and faxes at work. 

XXXX XXXX, XXXX NC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Bank of America issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Bank of America that has left me ineligible for future sign-up bonuses from 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 2016-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I cosigned for a student loan for my daughter. The agency handling the loan is Navient. They have the loan listed as a group loan. However, I am the only person that receives the bills for this loan because they have made it a group loan. My daughter, that is the primarily responsible for the loan, is not able to receive information ( online, phone or mail ) regarding this account because all information about her account is sent to me, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have been contacting Navient for over three months trying to get the accounts separate so I can receive my bill and asking that they sent XXXX XXXX her bill. However, I continue to get the run around. The account was behind three months and XXXX XXXX was not aware of it because the bills were sent to me. I tried to find out why I was receiving the bill. However, they would not give me any information. I finally contacted XXXX to find that she thought the loan was still in deferment because she was in school. This effected both of our credit ratings. If XXXX 's loan was sent to her, she could have made the appropriate arrangements to pay the loan. This means she has paid additional interest and fees on her loans and should receive refunds for those funds. I am currently forwarding all mail from Navient for XXXX XXXX XXXX to her address at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have placed my loan in deferment and received a letter that Navient placed XXXX XXXX 's loan in deferment which she did not request. I understand that I am the co-signer for XXXX XXXX 's student loan. However, she should have access to her bill separate from my bill. I want Navient to separate the bills to ensure that I, XXXX XXXX, and XXXX XXXX have access to ours bills. 
XXXX XXXX, XXXXXXXXXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My student loans ( like several others I 've talked with ) have been an absolute nightmare with XXXX XXXX ( Navient ). I was led to believe I was getting a loan with deferment and no payments while in school, and since I was desperate and needed something to finish my last year XXXX. Lo an behold, they started calling me excessively, sometimes even 5 times a day asking for money I was told I would not owe, and as a result I 've never really been able to catch up ( although I do make payments when I can ). They have been unwilling to work with me on a plan to get my payments back on track 3 times that I have tried, and as a result the excessive call continue. They usually call from XXXX of XXXX numbers, and would usually leave voicemails until my inbox was full.

Company response to consumer: Closed with explanation