vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto bank of america branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a mortgage loan with Bank of America with an escrow account balance in excess of {$7000.00}. Since XX/XX/XXXX, both myself and my insurance agent have been requesting that BofA release funds to pay a {$4600.00} insurance invoice from our escrow account. To-date, despite at least six attempts from me directly, as well as many from my insurance agent, BofA has refused disbursement and I have since lapsed in my insurance policy. I have received excuses first stating that the disbursement was refused because BofA perceived the request as a duplicate policy, as the insurance company sends XXXX separate invoices for payment ; aside from the policy number, there is no duplicative information associated with our request as one part of the request is roughly {$1100.00} and the other request is {$4600.00} ; I have made this point abundantly clear to Bank of America, to no avail. The most recent excuse I received this past Friday ( XX/XX/XXXX ), I was advised by XXXX XXXX that the request was further declined because " BofA can not issue payment on an invoice without the invoice being accompanied by a declaration page ''. I reminded XXXX that on XX/XX/XXXX we were given an expedited reference id # ( XXXX ) that promised to disburse payment by overnight mail to avoid termination of the policy, and despite this promise no one from BofA reached out to me nor the insurance agent advising us of this latest refusal. 
I am now without insurance because of BofA 's actions or inactions, despite having tried since XX/XX/XXXX to have our invoice paid by BofA to prevent cancellation. I AM BAFFLED as to how or why the mortgage company finds it acceptable to collect my monthly escrow payment and refuse to disburse on command ( either mine or the insurance company ). 
I am displeased, I am negatively and unnecessarily impacted, and request your investigation, penalty, and resolution.

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 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was scammed by a fake tech support company- '' XXXX ''. B of A said I had to provide proof that I was scammed because the scammer provided B of A with a bogus electronic contract with my name on it stating that I agreed to pay XXXX {$140.00} plus a foreign charge!!! B of A denied my claim and believed the scammer!! 

I talked to the claims department by phone and convinced them to reopen my case. A couple days later I provided proof in print that this company scams people. Mine happened to be in connection with XXXX. I researched the internet and found an article stating that XXXX support was a known scammer. I faxed the article to B of A, plus provided B of A the site address so they could confirm this. Then I got a letter from B of A saying my claim was once again denied because the evidence was n't submitted in the required time frame. I faxed it all in right away!!!! 

B of A said I should contact the scammer to see if I could get my money back! Seriously??????? None of this is making any sense to me. I am thinking I am slipping through the cracks of their system. 

I have been a preferred customer since the XX/XX/XXXX 's and they would rather lose me as a customer over $ XXXX. None of this makes sense. I will be going to XXXX XXXX. I did n't realize B of A had such a bad reputation. I thought they protected their client 's money. I was wrong! I am also checking into suing B of A. It is n't the amount of money, it is the PRINCIPLE! As long as these internet scammers get away with this, the more they will keep doing what they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: FL

Complaint narrative:
In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX. 

I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX. 

This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX. 

Please could I get some help with this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Bank of America agreed to honor a charge this summer from XXXX 's List. According to Bank of America, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that " closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We opened a Bank of America mortgage in XXXX XXXX. We have since went through XXXX modifications with them in which we were told not to make payments on our current mortgage until our modification was approved. Once our loan was modified our payments were not shown as made on time and our new balance on our loan was never shown. We have also been on time with payments since the beginning of XXXX but Bank of America shows XXXX, 30 day late payments at the end of last year. I have the receipts showing when those payments were made and still Bank of America and the credit bureaus have refused to remove the 30 day late marks on our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America ( BOA ) checking account and BOA credit card was hacked for {$10000.00}. According to BOA, a criminal, most likely assisted by BOA employee ( s ) joined my account using the BOA website. The next day, a criminal went to a local BOA and over withdrew the funds from my checking account. The overage was charged to my credit card. Upon getting my regular BOA monthly credit card bill, I contacted BOA and they issued a refund. NOW I 'M UNABLE TO OPEN AN ACCOUNT AT XXXX DUE TO SUSPECTED FRAUD ACTIVITY BY ME ON THE XXXX REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 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: KS

Complaint narrative:
When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 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 have made several attempts to obtain a home loan modification with Bank Of America on subject property XXXX XXXX XXXX, XXXX CA XXXX loan # XXXX, I understand i am eligible for the XXXX program which would help me keep my home at an affordable payment, however the lender has refused to work with us. I have made numerous attempt to work with my lender but they have yet to provide any help. Additionally I am certain they are violating the Home Owners Bill of Rights which prevents them from Dual Tracking.

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 2016-03-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am in the process of purchasing a home. A critical task to qualify for the mortgage is to remove my name as an authorized user for the Bank of America credit card, account number XXXX. I contacted your office on XXXX/XXXX/16, requested to be removed and for written conformation to be faxed or emailed so that I could provide it to the mortgage company. For whatever reason, you stated that you could not fax or email the letter and that you would have to mail the letter confirming the removal. After waiting three weeks, I contacted your office again on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16, to request written confirmation. Since you failed to send anything after the first request, I demanded, and you agreed, that fax the letter directly to the mortgage company and mail it again. The faxes never went through and I have not received it in the mail. Without this letter, I will not qualify for the mortgage ; I will suffer financial losses and lose out on purchasing the home of my choice. I do not understand why you can not scan and email this very simple letter and why you would treat a valued customer in this manner. I would like the letter scanned and emailed to me immediately.

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 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items.

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 2017-02-10 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: NY

Complaint narrative:
I co-signed both private and federal loans for my brother to go to the XXXX ( XXXX ). Within the past year he 's been unemployed and has deferred his loans. I also paid {$150.00} 3 times to place the loans in forbearance. Navient said he would n't have to pay for 3 months but within that time, they continue to constantly call both of us, send us emails and say that payments are late. Twice within the past 4 months, my brother has called to figure out a payment plan or do what was necessary so this would n't affect my credit. The first time was within the forbearance 3 mts, they said he could defer the loan until XXXX but continued to call me and when I answered they told me he never called and that I needed to pay or my credit would be affected. This was the last time I paid {$150.00} and was told a payment was n't needed for 3 mts but then the calls and harassment started again a month later so my brother called and worked out a payment plan of {$400.00} a month. He gave the customer service rep his checking account information so the payment would be automatically withdrawn from his account every month. Now we are being harassed via email and constant phone calls due to payment not being received since XXXX XXXX, 2017. They are claiming that my brother owes {$1200.00} this time to make him current. At this point, I do n't know what our options are since every month its the same run around and they keep taking our money then saying they need more to make the account current. My concern is how much money has been incorrectly accounted for, will this eventually negatively impact our credit, how much extra interest has occurred and how do we get this to stop. To add to this, Navient never documents when my brother or I have called. I 've asked what 's been documented in the account, nothing. I 've also asked for confirmation emails every time I paid {$150.00} and never received anything. Can you please help us? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying huge late fees when I should n't have been paying them at all or very less than what I have been being charged. Also, I have been given misinformation every single time I call them with questions and each time a different person gives me completely different answers. It has been extremely frustrating working with this company. My loan amount was very large and I live in California for my job so the fact that they have been essentially stealing money from me for years has impacted my financial situation to the point where I could probably have bought my own place by now but am forced to rent a room at my brothers house. I paid them about {$8000.00} up front as soon as I graduated for the " outstanding interest '' ( not sure if that 's the exact name ), have never missed a months payment and have never deferred on my loan so I have been a good customer to them for many years now and I feel violated by the misinformation and have made so many life choices based on the extra money they have been charging me and the terrible information they have been giving me over the years. Going to university was supposed to be the greatest thing you can do in life and an honor and it 's been nothing but a nightmare ever since on the repayment side of it. I want to stress again that I have been working full time for years in a related field to my degree so i have fulfilled my obligations so far on my loan and they most certainly have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: VA

Complaint narrative:
Navient is not applying payments that are made to my account. I am regularly incurring late fees and am afraid my credit is being affected as some payments go over XXXX days before reaching a resolution. I have once paid my payment, including large fees, via phone because I received late-payment calls only for my on-time payment to be applied a few days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: NY

Complaint narrative:
XX/XX/XXXX I switched to a income based repayment plan. Prior to this, I was enrolled in auto-pay and received a 0.25 % decrease on my interest rate. After switching to income based repayment I was locked out of my online account. I have been calling Navient since the beginning of the year for this to be resolved and they have it being looked at by IT but still no results. In the meantime, I have been unable to access my online account for payment information and notifications. I also have not been able to enroll in auto-pay which has made me pay the extra 0.25 % interest since I switched my repayment option. Navient is not resolving my online access ability and sending me emails but I have no way to access the information they send me via email because it requires you to login online at Navient.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 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: CA

Complaint narrative:
i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.

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