vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
i am getting calls at work, cell, home, and they are also calling my wife, brother, mom, dad multiple times a day.

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 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
We were almost in default with XXXX/Navient. In XXXX 2015 we entered into a 15 month repayment program of XXXX which would cover our loans ( when they were XXXX XXXX ) and we got shifted to Navient. Phone calls went away, come XXXX once Navient took over they said we broke that agreement we had, have ever cancelled auto check on the agreed upon date. Then they told me we were not paying enough, in XXXX when the switch happened they took what our XXXX loans of XXXX were and doubled them and then some. So since XXXX I have received over XXXX phone calls from XXXX different numbers, even after XXXX. It is not only tiresome but straight up vile. When I call to talk to them they wo n't speak with me till I pay off the XXXX + that I am supposedly behind. Back in XXXX I was able to speak with XXXX rep, and she told me I asked for the payment increase. I said show me that in writing or tape or whatever, it never came as I never asked for it. I am fed up and ca n't take the repeated XXXX phone calls 7 days a week from XXXX ( automated ), XXXX XXXX or XXXX XXXX. So since I refuse to pay money on fees, etc they are jacking my loan towards the roof, over XXXX in the last 7 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XXXX XXXX, 2015 I received a notice form Bank of America stating that my mortagage would be increasing from XXXX to XXXX. There was an increase {$4.00} due to a tax increase. The remainder of the increase is stated as a shortage payment of XXXX per month and a reserve requirement of XXXX. When I called and asked why my payment was increasing, I was told there was a shortage in a reimbursement from changing insurance companies. I did change in XXXX of last year. I had to file a complaint against XXXX in order to receive my escrow payment back from them. I sent the escrow payment ( myslef ) to BOA. Which they received in XXXX. Since then I have been receiving paperwork from BAO regarding my house payment being late and advising that I file for bankruptcy ( Case number : XXXX ). Now this. BOA can not give me a succinct reason why my payment is increasing. They paid extra money to the insurance company because the received a request for payment ( they paid a total of {$1800.00}, but they ca n't state why. My insurance is XXXX per year. Then they sent me a refund of {$290.00} which I said I did not want and they said I had to cash the check. Now they say my escrow is negative Just that I have to pay the increased amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: NJ

Complaint narrative:
I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive.

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 2017-01-25 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: NJ

Complaint narrative:
Not once not twice but three times our loan was applied to the wrong account, I was charged a late fee, I called and spoke to someone and was assured that everything would be taken care of and again another late fee because the loan was applied incorrectly - it 's bad enough they charge what they do and when we tried to ask about setting up different payment options we were told we could not. The interest rate alone is killing us - the debt is over XXXX and we give our hard earned money to this organization and they fumble with, heck yeah I am very aggravated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I currently have two active cash-advance promos on the XXXX MasterCard issued by Bank of America ; {$15000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX and {$14000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX. It is my desire to pay both promos off before their due dates to avoid interest. I contacted BofA on XX/XX/XXXX to check how a recent payment was allocated -- the payment was substantially above the minimum payment required. Much to my surprise, I was told that my payment had been applied the promo that expires on XX/XX/XXXX. I then asked the representative to re-allocate the payment to the promo that was expiring on XX/XX/XXXX. This is where things went downhill. 

The Customer Service manager I spoke with indicated that the law was very specific that banks had to allocate payments to the promo that had been on the books the longest, even if that promo does n't mature first. Most likely in 90 % of the cases, this payment allocation logic makes sense -- promos that were booked first would mature first. HOWEVER, when you offer promos of varying lengths ( as BofA does ), the potential exists for an " older '' promo to mature after a promo that was booked later. That is the position I find myself in. 

After reading the Payments section of the Card Act, I find what the manager told me regarding payment allocation to simply be untrue. The payments section was very specific regarding applying payments to the highest APR balances first and then to promos within two months of their expiration. Nowhere did I see that a bank was required to paydown the oldest promo balance first. Additionally, section 1026.53.b.1 ( ii ) of the Card Act provides for the card issuer to reallocate any amount above the min pay among the balances on the account in the manner requested by the consumer. 

Given this, I 'm not sure if this is a technical issue for BofA or if the capability exists but the customer service staff simply is n't aware. Either way, the way that I 'm being forced to have my payments allocated is harming me as a consumer by essentially robbing me of three months ( XXXX ) to pay down the promo that expires in XX/XX/XXXX and I am not at all happy about it. Additionally, I ca n't be the only consumer in this situation so I 'm sure that there are other BofA customers being harmed by their unfair practices.

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 non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without " opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be " opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.

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 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am in Foreclosure with a Sale date scheduled for Tuesday XXXX/XXXX/16. BOA instructed my Realtor XXXX XXXX to upload documents to equator as well as fax to begin the Short Sale process. The documents were faxed to BOA on Tuesday XXXX/XXXX/16. XXXX has attempted to upload information in the equator system but BOA has NOT set up the file as promised. I am concerned that as in the past BOA will run out the clock and cause us of filing late when we have been trying.

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 2016-06-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX, XXXX I had a credit card balance with Bank of America ( " BoA '' ) of {$1300.00}. I paid the balance in full with a representative over the phone. Please see attachment XXXX When I told the representative I wanted to pay the balance in full, I was not warned that I would incur interest or other charges from BoA again at a later date -- I assumed that paying the balance in full meant that the balance was being paid in full and I did not use the card again after that. Unfortunately, in XXXX, XXXX BoA charged me interest on that the prior balance -- I have since learned that it was incurred before it was paid over the phone but had not yet been charged to me at the time I paid the account in full. Because I thought I had paid the card in full in XXXX, XXXX it never occurred to me to log into my BoA credit card account and check for an existing balance on the card again. The interest charged was a very small amount of {$5.00}. Because I was not contacted again by BoA to be made aware of that interest, I was not aware of the balance and it went unpaid until XXXX, XXXX when BoA charged it off and set my account balance to {$0.00}. Please see attachment " B ''. 

Attachment B shows that since XXXX XXXX -- for almost two full years -- my account with BoA has had a balance of zero dollars. Despite this, I have recently learned that for the last ( nearly ) two years, BoA has been reporting my account as negative and " failure to pay ''. In the 21 months since BoA charged off the account, the account has continued to reflect a balance of zero every single month. For those 21 months, I never received any statements or other correspondence from BoA to alert me that the company has been damaging my credit by reporting each and every month that I have not paid on the account but that is indeed what has been happening. Please see Attachment " C ''. 

The account was closed in XXXX. The entire ( albeit, small ) balance was charged off in XXXX, XXXX. The statement from XXXX, XXXX reflects {$0.00} due. From XXXX, XXXX through today, XXXX, XXXX, BoA had been reporting the account unpaid to each credit bureau. BoA 's actions are unfair, abusive, and in conflict with the Fair Credit Reporting Act. Accordingly, I respectfully request that BoA contact each of the credit bureaus to which it has been negatively and incorrectly reporting my account as unpaid and that BoA promptly erase the negative and erroneous reports from the last 21 months. I further request that BoA send me written correspondence confirming that said actions have been taken. Thank you.

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 non-monetary relief
Consumer complaint received 2017-01-29 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: TX

Complaint narrative:
My Student Loans Are Serviced through Navient. I am currently in default and wage garnishment, because they have offered me nothing but interest-increasing repayment options, an their desired monthly payments are never within reach for me to pay. Even after I fully detail my finances to them, including medical expenses which I dont think is their right to ask about, they still manage to make the payment XXXX dollars more than I can afford. They have also illegally practiced the collection of my debt, at first using threats, then combining those threats with more abusive language, calling me illegally, calling before XXXX an after XXXX, and sometimes even after XXXX. They have refused to let me switch service agents when the ones I have used were rude, and they still call me harassing me even while they continue to garnish my wages. I paid over XXXX in interest alone this year because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help

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 2017-01-23 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: UT

Complaint narrative:
I was told by my school ( XXXX ) that I could only borrow from XXXX XXXX and I was not given other loan options. I understood that the XXXX XXXX loan I took out started accumulating interest from the time of dispersal, but I was under the impression that subsidized loans had the interest paid by the government until I entered repayment. I paid towards the full balances of the loans, principal and capitalized interest for 3 years before contacting Navient ( formerly XXXX XXXX ), and asked why the balances on my loans were more now then when I started. They told me they simply " overlooked '' applying the government subsidy payments and they would correct the problem so that form " now on '' my payments would be applied correctly. In light of recent news, it appears I am not alone in this issue and I am wondering just how much of my hard earned money Navient has cheated me out of? I feel they should be accountable for their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: NY

Complaint narrative:
Due to the recent allegations that have been filed with Navient, I wanted to confirm that my students loans were not affected in any way ( e.g., Lost paperwork. Misapplied payments. Surprise late fees. Processing delays, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
AAA Financial Services ( Bank of America ) account - I had a balance transfer of {$3400.00} on XXXX/XXXX/15. I paid the balance of {$37.00} on XXXX/XXXX/15 before the due date XXXX/XXXX/15. The balance was {$0.00} but I received a statement for {$15.00} interestwhich I paid ( XXXX ) on XXXX/XXXX/15. I closed the account ( XXXX ) on XXXX/XXXX/15. I requested a final statement showing the {$0.00} balance and that the account was closed on XXXX/XXXX/15. On XXXX/XXXX/15 ( Georgia ) I called again because I had not received the final statement and documentation that I closed the account. As of XXXX/XXXX/15, I have not received a final statement nor the documentation that theaccount is closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 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: TX

Complaint narrative:
Pioneer Credit Recovery is fraudulently claiming to be collecting on a debt for the XXXX. They call me weekly and demand payment. The XXXX terminated their relationship with Pioneer Credit Recovery in XXXX of 2015. Payment for my XXXX loans is being made through IRS tax garnishment. It is my belief that Pioneer Credit Recovery is committing wire fraud since they have no professional relationship with the XXXX and therefore can not collect debts on their behalf. I want other debtors to be wary of making any payments to this company.

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 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have MISSED XXXX payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

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 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Multiple student loan entries from Navient, routinely reporting erroneous information including, not reporting deferment status on all loans, varying interest rates, and other false information resulting in high debt to credit ratio, even though in deferment. In addition, I am a XXXX service-connected XXXX veteran. I am in a documented financial hardship position on the verge of homelessness. Navient has been unresponsive in answering my questions and guiding me to options pertaining to financial hardship and debilitating injuries rendering me unemployable. I

Company response to consumer: Closed with explanation