vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This bank is difficult to get updates. I just called and they told me they could not give me any updates except that the file was in XXXX. I message the negotiator everyday in XXXX and do n't get a response for 2 weeks. My client is getting stressed out an the buyer is anxious. We have a signed atp and I am not sure what is taking so long.

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 2017-03-21 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: GA

Complaint narrative:
Navient will not respond to my applications for income driven repayment. My federal student loans are only mine, yet they will not adjust my payment so I can afford them. I have applied for the last 3 years and they just wo n't help me at all! I have a family member paying my loans because I ca n't afford them and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: DC

Complaint narrative:
Interes Balance on Refund Cashier Check

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 2015-09-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Last month I owed a small amount on a Bank of America Credit Card because it is my alternate card and I do n't use it much. I was 3 days late paying, but I paid the amount charged in full. Bank of America charged {$1.00} late fee, which they credited it back to me after I called but they did not consider that a payment, even though that credit zeroed out my account the same day as my payment. This month, I accrued some charges on my card and the statement period closed yesterday, XXXX. Today I see that they charged me 1 % of the total amount I spent for CURRENT month and called it INTEREST CHARGED ON PURCHASES. I am filing this complaint because this is a new fee that Bank of America has implemented and I was unaware of it until I had to call to have the fee removed. After this incident, I went back to check previous statements and I see that they seem to have started XX/XX/XXXX and first appeared as a number of {$0.00} charges on my XXXX statement and each monthly statement thereafter. They were {$0.00} line items so I did n't think much about them. I have had this card since at least XX/XX/XXXX. I did not agree to any changes in my account. They refunded me the fees, but I believe this practice is deceptive and is probably generating a good amount of fees from people not paying as close attention to their statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to " duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Bank of America and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Bank of America. 
On XXXX, I received a backup ( attached ) and faxed it over to Bank of America. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Bank of America andthe backup provide a trace number that Bank of America would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. " I could not get anyone at Bank of America to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Bank of America did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: VA

Complaint narrative:
A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I just learned today that the debt collection agency XXXX XXXX XXXX on behalf of Bank of America telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXX for months on end. I have not, personally, paid on the Bank of America account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by XXXX XXXX XXXX to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that XXXX XXXX XXXX should return to my wife the recent {$50.00} payment that they procured by fraud.

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 2016-07-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My step-mother had XXXX. She had a savings account in her name only with my father as POD. There has been an ongoing feud between my step-mother 's daughters and my father. My step-mother 's oldest daughter had a POA ( Power of Attorney ) for her mother that was nullified on her death. She died around XXXX with an official time of death being XXXX on XXXX 2016 ( due to the time it took the coroner to arrive at her home ). While my father grieved for his loss, the oldest daughter withdrew all the money in this account and transferred it to her personal account. We notified the bank of her death on XXXX/XXXX/2016 and proceeded to close out the other bank accounts. However, the bank missed this account and kept it open. The final amount of money was transferred to the oldest daughter 's account on XXXX - 1 day after the bank was notified of her death. The {$4000.00} in the account disappeared and there was nothing left for my father upon his wife 's death. The bank was Bank of America and I believe they made a mistake by not putting a hold on all accounts in my step-mother 's name, which allowed her daughter 's to remove the money ( legally belonging to my father ) on the day of her death and the following days after the bank was notified of her death. Now Bank of America will not answer any of our questions related to this account because my father was not a signer on the account. My father has XXXX and can not speak for himself any longer. We have statements that show withdrawals from this account {$3500.00} on XXXX and {$470.00} on XXXX - all after my step-mother 's death. The balance on the day of her death was {$3900.00} and my father got none of this money. Is Bank of America responsible for restitution since they did n't put a hold on the account upon hearing of her death? Can we get our money from B of A or do we have to sue the step-daughters? The estate department at B of A will not respond to any questions - because my father was not on the account, but also because they know they messed up by not putting a hold on the account when they learned of the death on XXXX 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 2015-04-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX unwarranted charges were included in my XX/XX/XXXX.-XX/XX/XXXX 2015 Bank of America credit card statement : a {$31.00} late fee and a {$17.00} interest charge. A BofA representative, in a XXXX/XXXX/15 phone conversation, agreed to remove these charges which would be reflected in my next statement. 

In that BofA statement, received XXXX/XXXX/15, the {$31.00} charge was removed but not the {$17.00} charge. I again spoke to BofA this morning, XXXX/XXXX/15, and was told the {$17.00} would be removed from my account and be shown in the next statement. We shall see. 

Both charges were unwarranted and I have no idea what the {$17.00} charge is for. Bank of America has not acted in an ethical or honest business manner - which may be an oxymoron. Had I not diligently examined my statement, BofA would have benefited from the XXXX unjustified charges which is no doubt magnified by countless other unwarranted charges not disputed by those other clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I HAVE BEEN PAYING ON THIS ACCOUNT AND IT IS STILL SHOWING NEGATIVELY ON MY ACCOUNT. ACCORDING TO THE BALANCE ON MY CREDIT REPORT I ONLY OWED XXXX. I HAVE PAID THAT BUT WHEN I CALL ABOUT MY ACCOUNT THEY CA N'T FIND IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: CL Holdings LLC
State: FL

Complaint narrative:
Repeated calls after being on the " DO NOT CALL LIST ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I received a correspondence from Bank of American stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Bank of America. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with 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 explanation
Consumer complaint received 2016-03-31 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: DC

Complaint narrative:
My private student loans with XXXX XXXX ( now called Navient ) went into default following a period of unemployment. In XXXX 2015, I was contacted by " Navient Recovery '' and told that I could bring my loans into a " Reduced Interest Rate Partial Repayment Plan '' if I made XXXX down payments and continued to make at least minimum monthly payments afterwards until the account was paid off. I have been making these payments since, but as of now, ten months later, Navient XXXX refuses to send me paperwork that verifies the terms of our agreement. My interest rate has not changed, and every month Navient updates my credit report with " debts not paid as agreed. '' Despite months of calls and speaking to " supervisors '' I am unable to speak to anyone at either Navient or Navient XXXX who can either confirm or deny my participation in the program, the terms of this program, and when my account will be changed to a partial-payment agreement status. Messages are left unanswered, and representatives have on several occasions told me they " have no legal obligation to provide me with paperwork '' that discloses the terms of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am working with Bank of America on a home loan. The closing is scheduled for today ie XXXX XXXX, 2015. But even after repeated requests I was not provided the closing disclosure documents. They just sent it to me and its not what we had discussed initially. They pushed out my closing several times stating they had not received some documents from the closing attorney etc. I dont understand how they can be so lax in their approach. Why cant they track progress and raise a red flag if something is not happening on time..This has caused tremendous discomfort and heartache to my family and me. Pls help..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence BOA is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed " to COUNT ''? 

I was required to make more than minimum payment. 
My account balance was XXXX. 
I paid my credit card in FULL every month. 

So let me get this straight..I have a Minus credit balance, and no [ payment is due but Bank of America says I failed to meet the minimum payment? How is this possible???? 

The BOA card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.

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 2016-03-26 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: ID

Complaint narrative:
I am currently on a pay-as-able plan and not paying anything. My income is indeed too low. My XXXX year old father co-signed for a small summer loan -- a PLUS loan -- and TWICE now Navient has tried to collection from him ( the co-signer ), even though I am considered current. They readily admitted their mistake AND apologized ( to me ) for their error and for upsetting him. But he is spooked by this and his demanded that I pay it off. Fine .. I barely have enough money, but can do it. The loan as originated was {$3600.00} ... but here 's the thing, they want {$6300.00} for the pay-off amount. That 's almost double the original amount, so I asked them ; can we not agree on a more reasonable payoff amount? I offered {$4200.00} cash .. today. Their answer was " we do not negotiate '' pay-off amounts. We 're not a bank, we 're the Dept. of Education. '' Can this be right? Thanks in advance for your attention to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: CA

Complaint narrative:
I am a XXXX veteran on a limited income. I 've been called multiple times by Navient regarding payment of my loan. I am on a payment program that was set up between Navient and myself. I am getting close to retirement, and will be bringing in less money per month. I have contacted Navient several times regarding forgiveness on this loan, but nothing has been done on their part. Just last week a representative from Navient called my work multiple times during several days, of which we are not allowed to receive personal phone calls on company time. I told them that, and again today I received another phone call not only on my cell phone, but also on my work phone. I told the representative that I had been called last week and told that person that I would be making my payment this coming Friday. He then stated " oh yes, I do see that you spoke with someone from our office. '' over the past several years, I have been trying to make my monthly payments to Navient, but at times do not have the finances to make the payments. I am XXXX years old and still making payments on A loan from many years ago. I am still trying to get Navient to forgive my loan, but so far unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Tuesday, XXXX XXXX, 2015, Bank of America 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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 has not yet caused to be recorded the Trustee 's Deed resulting from the Trustee 's Sale at public auction on Friday, XXXX XXXX, XXXX at XXXX. 


Also, as this account is a Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) home loan account, Bank of America must provide a monthly installment statement with payment coupon until the XXXX Deed of Trust has been sold or transferred. To date, I have not received a monthly installment statement in XXXX XXXX for XXXX XXXX as required. 

All previously mentioned resolutions are desired and mandatory.

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 2016-03-07 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: GA

Complaint narrative:
My loan was in deferment and they still reported as late pay.

Company response to consumer: Closed with explanation