vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid to XXXX for car rental in advance of pickup in the sum of {$160.00}. The car was to be picked up from XXXX ( XXXX ) on XX/XX/XXXX to be dropped off XX/XX/XXXX. Upon arrival at the Merchant 's office, I was asked to pay a deposit for insurance in the sum in excess of {$1800.00} ( XXXX Dollars ). I informed them that my credit card ( Bank of America ) had auto-insurance that covered the rental car. They rejected and insisted I must cough out the requested amount. I reminded them that I was not informed at the time of the transaction that I would be required to pay ten times the car rental charges as insurance nor was I pre-notified that card-backed auto insurance would be rejected. 
As I could not afford what was being requested, and believing that it was a way of fleecing me, I requested to be refunded my advance payment. The Sales Representatives requested me to contact XXXX. Astonishingly, nowhere on all the receipts and other information sources were the contact details of XXXX was stated. 
I eventually was able to find the contact details on the internet and put several calls through that went into voicemails. 
The only option left was to dispute the transaction as the merchant had made it impossible for me to obtain the service I paid for. 
I provided all the information requested to Bank of America and after couple of weeks, I was written a letter by the Bank that I could not be refunded because the merchant made the service available but I did not avail myself of the service. 
My complaint is that the Bank ( Bank of America ) aided the merchant in under-cutting me. The Bank knowingly provided me with an auto insurance-backed credit card that they knew would not be acceptable to car rental companies and did not do anything to my knowledge to challenge the merchant as to why the auto insurance was rejected. 
The Bank 's action is a breach of Dodd-Frank Act ( UDAAP ) Unfair, Deceptive, Abusive Act Practices ) by knowingly selling to me a credit card product ( auto-insurance ) that is evidently worthless in the market place. I feel strong about this particularly the way the Bank Agent that I spoke to responded to me with a high level of non-chalance. 
I hereby appeal to CFPB to assist in investigating this deceptive transaction with the aim of recovering the sum of US {$160.00} that was surreptitiously debited to my account by the merchant in connivance with the Bank of America.

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 2016-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I owed BOA XXXX. I paid them XX/XX/XXXX with a Certified check for XXXX ( sale amount from XXXX XXXX ) I have not recieved the money difference or title.i was told 3 days then 3 weeks and I still have nothing.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I call in monthly to make my payments over the phone. When I first began with this method, I realized quickly that I was constantly showing an overdue balance each month as a result of unpaid loan balance on a second page of loans that I was unaware of. As soon as I was aware that I had two separate pages of loans, I requested each time I called, to have my payment processed towards both pages of loans so as to avoid any late fees. 
They have repeatedly told me that they see this request in their previous notes, and that this should be done automatically by all employees, yet I am still having the same issue. I am forced to check my statements more than periodically and constantly afraid of missing another error. They seem to use this as a tool to coerce me into an auto draft plan which I am not interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have sent several letters under " XXXX '' to Bank of America for details of the debt they are reporting to XXXX, XXXX and XXXX. Bank of America is reporting multiple addresses for contact to each of the credit agencies and have not responded to my requests. The charge off amount reporting is different between XXXX credit agencies. I have asked for details about the data of last payment, charge off amount, interest being charged and how they calculated this interest and copies of past statements and to provide if this debt has been sold to a debt collector. I have not received any response from any of the addresses they are reporting. The Credit Agencies continue to validate this debt and it continues to report monthly. BofA has not reported that this debt is in dispute with the Credit Agencies after several " XXXX '' letters.

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 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is holding {$12.00} XXXX attachment ) as Bank of America XXXX damaged my home. XXXX XXXX attachment ) roof, broke my front door down. I made a claim with my homeowners insurance company, Bank of America told me that they will foreclose on my house instead of releasing the funds owed to me. The police investigated the Bank of America XXXX damages and break in : The XXXX incident number ( XXXX ) was generated when XXXX of our officers responded to your property when a neighbor reported a suspicious person walking around the residence. 
The XXXX incident number ( XXXX ) was generated by XXXX XXXX at the time you spoke with him about the Bank of America XXXX XXXX burglary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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: MT

Complaint narrative:
I am a single parent and received no support from my daughters father. I signed for parent plus loans, and eventually consolidated my XXXX loans with the parent plus loans. Because of current rules related to consolidated parent plus and my loans, I am not eligible for low income rates or loan forgiveness. I spent all of my career providing care for underserved populations, whci normally provides loan forgivness programs. since I consolidted the loans, I am not eligible for any of these programs ... .this is so wrong! Also, apparently my loan and personal info. is availabe to scam people and I got a letter from " XXXX '' a fake agency ... .our persoanl info should be protected from anyone getting it ... my loan agent is Navient. How did this XXXX know my name, address and loan specifics??????? unless it is easily available. At the least, it should be protected personal information ; there needs to be strict laws protecting our private loan info, along with our name and address ... etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: MS

Complaint narrative:
Navient is reporting on all XXXX of my credit reports as several times for different accounts under different options. Some are in good standing while other are not. I suppose to be under IBR and at the moment have a zero balance. It is really putting a negative on my report and scores

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loans were through XXXX XXXX now Navient has taken them over. I am the borrower. My soon to be ex-husband is the co-signer. I 've never gotten any correspondence via mail, email and/or phone calls saying my loans were even due. Yet Navient began calling my ex telling him at XXXX to pay {$2800.00} right then or they would ruin his credit. He works for the XXXX. He was then called and said to pay {$450.00} and they would stop calling him. He called me I contacted them they were just as rude to me. Telling me I was divorcing him so he could n't be that good and I should n't trust what he was saying. I was then told I could pay them a Fee of {$150.00} to put my loans in forbearance. When I spoke with XXXX XXXX the supervisor and told her I 'd get a pre-paid card and call them back because the sites say they take amounts they should n't out of people 's accounts. I tried to work out payments with them and they said no. That if I did n't pay exactly what they wanted they 'd make sure I never get my divorce by telling my ex that I am refusing to pay. I called my ex and he said they acted the same way with him. I called again and they stated no one said theses things to us so I told them their calls are recorded XXXX XXXX got on the phone again and said they are for quality control and that if I record them she 'll have the police at my home and make sure my children see what a looser I am for not paying my bills. You ca n't communicate with them at they are nasty rude tell me to get a better job. Get married or marry someone with more money! They need accountability. All the compliants I 've read are the same. Why does the FDCPA even have rules if they are n't held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
After graduating college I tried to get some information about my student loans from Navient on how to consolidate my loans so i could lower my interest rate. I was n't provided with any information. Navient seems like bullies when they are always " pay me, pay me '' and do n't care about the customer. I am {$100000.00} in debt with them because they failed to help me. Sometimes i feel like i have to chose between eating everyday or paying them. They say my monthly payments are around {$650.00} a month. They do n't provide enough information to the borrower and did n't let me know the interest rate and I am just finding out that all my loans are private which I thought they were federal loans. This is becoming a XXXX for me and I am out of options. I am asking you to please look into my account. I will provide screenshots of how much I owe and the interest rate on the loans. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 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 I went into my local XXXX Bank of America Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: AR

Complaint narrative:
Bank of America refuses to transfer my mother 's IRA to another bank. We decided to move it from BOA because they refused to do a change of address or a direct deposit of the required IRA monthly withdrawal of funds. The checks, good for only 90 days were repeatedly mailed to an old PO box we wanted to close out and three times we had to ask for new checks to be issued because the checks had expired by the time we received them. For no valid reason, BOA failed to direct deposit the checks despite my filling out the forms. It even took a month for the forms to arrive within the same town. XX/XX/XXXX I asked XXXX XXXX Bank to initiate papers to have the IRA transferred to them from BOA. BOA has dragged their heels and refused to transfer the funds despite repeated phone calls. BOA has a reputation for being extremely slow to release funds or respond to requests. We feel they are a shady and questionable bank. We want the IRA transfer to XXXX XXXX to be done immediately and for BOA to relinquish all hold and illegal use of the IRA money without permission. We believe without outside intervention they will string us along indefintely, ignoring the transfer request and continuing to illegally benefit from the funds while depriving my mother from their benefit. I am her legal guardian of person and estate and BOA has had these papers since XXXX 2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I closed my secured credit card account with BOFA on XXXX XXXX. I spoke with a representative who told me that processing time would take 14 days at which point the prepaid funds in that account would be deposited directly into my checking account. Apparently a physical check was issued to my address on file ( which was incorrect ). I was not contacted and told that a check would be issued instead of a direct deposit into my bank account. After 18 days of not receiving my money, I contacted secured credit services and spoke with another representative who informed me that they would have to put a stop payment on the check and reissue a request for the still owed funds to be deposited within another 14 days. I requested to speak with a supervisor and after a lengthy conversation he " expedited '' my request and told me it would instead be processed in 3-5 business days. 5 days comes and goes and I still have not received my money, so I contacted the bank for the third time and after hearing my problems a rep informs me that it will take another 10 days and that she was unsure why someone had misled me a second time. After asking to speak to a resolution manager I am told that it can take 5-7 business days to deposit the money owed and that she was also unsure why the expectation was set that I would receive owed funds in my account within the suggested time frame. Because I was not ever once contacted, I was unable to prepare for expenses ( as I was assured that the money that Bank of Amerca has been holding onto for over a month would be deposit within a timely manner ) and now am incurring late fees daily. I understand that there are processes in place for a reason, but those proccesses do not seem to be universal and change each time I speak with someone new. Had I known that this would be the case with BOFA, I would have already closed my bank remaining bank accounts as I can not trust that they will keep to their word and not hold onto my money for seemingly no reason. I have been loyal to BOFA since 2011 but am becoming increasingly frustrated as this has had a direct affect on my quality of life.

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 2016-11-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.

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 2016-08-03 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This is a follow-up of complaint XXXX. FIA Card Services has never sent me their definition of " cash equivalent '' or anything else. In addition, to harass me further, the last statement included a " minimum interest charge '' of {$1.00}. I owe them nothing and that charge was so absurd that their automated line took it off. FIA cheat and lies and is totally irresponsible. There should be some penalties or they should at least tell the truth. They record their calls so al this can be easily verified.

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 2017-01-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America and their cohorts, specifically XXXX XXXX XXXX XXXX ( XXXX ), have failed to comply with applicable laws as stated within the XXXX XXXX, XXXX Trustee 's Deed referencing the subject property allowing for the lawful sale or transfer through Trustee 's Sale at public auction to the highest bidder on XXXX XXXX, XXXX. Any such public representations to full compliance with applicable laws are not negligent, but fraudulent as the Trustee, servicer, and bank have indicated full knowledge of relevant laws and are required to be knowledgeable of all proceedures and rules related to the loss mitigation and workout processes including, but not limited to, the modification and foreclosure processes. 

Due to the fact the Substitution of Trustee was recorded on XXXX XXXX, XXXX, the same date the Notice of Default ( NOD ) was also recorded, there is no possibility whatsoever the required pre NOD outreach could have been completed allowing for the NOD to be recorded signaling the public start of the foreclosure and property separation process. 

Due to the fact there were multiple pending escalated cases opened prior to the sale date that were unresolved on the date of sale and no suspension of sale had been caused by the bank, the servicer, or the trustee thereby allowing for the sale to be postponed and not completed under a cloud of lack of authority and legality. It should be noted a party may suspend the sale without agreement, consent, or prior approval of the other interested parties if they so choose. If should be noted if no improper sale occurs, no injury or harm may be had or caused to me or any bidders on the subject property. 

All previously mentioned resolutions are desired and mandatory and must include Rescissions recorded for all documents recorded on XXXX XXXX, XXXX and thereafter related to the subject property.

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