vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have written to Bank of America at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing:1 ) that this mortgage was paid off for less than full amount2 ) I have been 120 past due for the last 2 yrsNone of the above is true especially when you note that they are reporting a closed loan with a 0 balance. This reporting can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. This inaccurate reporting and failure to rectify this matter despite my many prior letters requesting is hurting my credit and negatively affecting my ability to get a new home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
bank of America is calling my home ever day and night threating me and my wife.be cause we paying the morage late .one month late because I get pay every two week.i informend theme about a 100 time that I am the only one work .my wife is very sick. she wont be going back to work. she file for s.s.but she still waiting.they are making threat.thatthey are going to come to my home.XXXX.send cop sand they also got the XXXX.calling and making threat.

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 2015-04-14 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: CA

Complaint narrative:
Navient refuses to set me up with an affordable or XXXX system. They take half of my monthly income of around XXXX per month. I am getting a reduced interest rate but this hardly solves my financial hardship. XXXX should be eligible to all student borrowers no matter what the loan. I am suffocating in debt and Navient refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Bank Of America checking account. 
I called again XXXX XXXX XXXX they said I am OK. I used the card normally. 
Almost one week, Thursday XXXX XXXX, I checked my Bank Of America account I found it overdrawn and they applied a {$35.00} fine against me. I called BOA costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. 
This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call bank of America they say it 's not from us! 
First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? 
Second, Why they hide peoples data to use them at the moment they want? 
Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. 
Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. 
Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. 
If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. 
Please help in this please.

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 2016-08-19 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 have a safe deposit box at the local Bank of America for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a " central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.

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 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After online activation of a new bank issued ATM card in the state of XXXX, my online checking account was hacked and an unknown person transferred funds from another linked checking account, on the same date, merchant purchases were made and ATM withdrawals were made in excess of my daily limit in the state of XXXX. I immediately notified the Bank of America. A hold was place on the account. After a review, Bank of America denied the online claim, withdrew the credit for the purchases and ATM withdrawal, but could not provide backup evidence to support the denial. A police report in my home city was submitted attesting to the fact that I did not authorize any of the transactions nor did I travel to XXXX. After requesting Bank of America 's documentation to support the denial, I was told there was no documentation only an opinion that the transaction were authorized because the online access was hacked when activation of the new ATM card occurred. Bank of America also withdrew funds from the new checking account opened with them to cover the funds used to make the unauthorized purchases and ATM withdrawals.

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 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: MO

Complaint narrative:
I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
While reconciling our bank statement we found checks were drawn on our account using our routing and account numbers. The checks were made out with other companies names and fraudulent signatures. We notified our bank who gave us credit for the loss. This was later reversed because Bank of America would not repay them for the check fraud. Bank America sent a letter stating that they would have to have been notified within 24 hours of the fraud. This is ludicrous as we are a business sending out checks daily. We had no way of knowing that this fraud was going on. Bank America quoted reg CC in their letter. Is this a federal regulation? We did not issue these checks, or sign these checks. They are not in our companies name. How come we would be responsible and not the Bank?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
Some of my loans were consolidated with out my approval. Now as i 'm paying off individual loans to get my payment down i have a large balance that instead of XXXX or XXXX smaller loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We will file suit if these calls do not cease.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This debt collector is in violation of the FCRA. The FCRA requires debt buyers to notify you when they report negative information to a CRA. 

Not only was I never notified but once I learned I had a collection on my credit report I disputed this with the collection company as well as XXXX. I sent a cease and desist letter via certified mail asking them to remove the false delinquency as I would deal with the original creditor only. Neither have complied with removing this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
This company calls constantly and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: IN

Complaint narrative:
My Loan is with Navient. I have XXXX loans totaling $ XXXX which were opened in XXXX. I did not get to finish school or graduate. I have been a single mother all these years and not gotten child support regularly so could not afford payments. Deferrments ran out. I Was not aware that I had an IBR back in XXXX because the repayment amount was {$0.00}. I have applied and been approved for a new IBR which began XXXX for {$31.00} and that I have paid. I have called customer service twice because the still have a past due amount showing which they are adding late fees and not showing anywhere that i have the IBR. My call on XXXX/XXXX/XXXX I was told if I enroll in auto pay, that they would erase the past due status and only take out {$31.00} on the XXXX of every month. Today I get XXXX emails saying different crazy things so I checked on my account online and they show that they will be taking {$150.00} out of my account with auto pay on XXXX/XXXX/XXXX!!! I calle dand spoke to a customer service agent and she just talked over me at first then researched why they changed the payment amount. She came back on the line and said that my account online will show that they are taking out {$150.00}, but not to worry they will only be taking out the {$31.00}. I have tried to call and work with them since XXXX of XXXX and they will say one thing one day and something different the next. I have documentation that they approved the IBR and the amount. But they will not reflect it on my account anywhere. The customer service agents do not speak very good XXXX and they are rude, nobody wants to help you. How can they cheat people who are really struggling and trying to make good on their debt. I make {$13.00} per hour and that is what I live on as a single mom. Please help in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My sister passed away in XXXX 2015 and I have been attempting to resolve closing her bank accounts with Bank of America since XX/XX/XXXX without resolution. The bank is requesting an Affidavit of small claims which apparently comes in a multitude of forms, all of which have not been acceptable to BOA and I continue to receive letters stating I have notarized the wrong form, having missing information etc. I think the BOA should declare on the Estate Unit site that it is unlikely the customer will be able to close accounts of their loved ones secondary to the complexity of the form or the inability to file the appropriate affidavit to receive the funds from the accounts without the assistance of an attorney. I will be obtaining the services of an attorney at this point in time to close my sister 's accounts.

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 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fidelity National Financial, Inc
State: CO

Complaint narrative:
We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %.

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 2016-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Total Card, Inc.
State: OR

Complaint narrative:
I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Case # XXXX and XXXX. I am up loading an Bank of America online statement with the new account # ending in XXXX and the original account # ending in XXXX. The online account {$89000.00} owed and minimum payment due {$29000.00}, make payment. 
Finally, I received a phone call from Bank of America, XXXX, on XXXX/XXXX/16, I believe from XXXX XXXX at XXXX for 1.25 minutes. I asked him if we were being recorded for Quality Assurance and he said yes. Also, I told him that he was being recorded by me for Quality Assurance. XXXX XXXX said that he did n't know what I was going to be using my recording for and I told him the same as him, Quality Assurance. XXXX XXXX said that he did n't want to be recorded and he would send me a letter. If I call him we could talk without me recording him but he would record me. I have been calling Bank of American about them seeking money from me and I received a discharge and the house was sold in a Federal Bankruptcy Court for five years and they always record me and do nothing. In order to have Full Transparency, we both need to accept recording from both parties and I hope they will resolve the problem. I have sent all the evidences and I hope Bank of America resolve the problem without talking to me because they do not want to be recorded by showing full transparency.

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: Credit card — 
Issue: Billing disputes — 
Company: Total Card, Inc.
State: MD

Complaint narrative:
For weeks, I 've asked this company to replace my card, as it has been compromised. Someone has made unauthorized charges on this card. XXXX charge was to a place called XXXX for {$4.00}. Others include XXXX XXXX and XXXX XXXX 's. I reported the card as COMPROMISED months ago, and requested a new card. Then, someone stole the card, and it is no longer in my possession. As a rule of thumb, I make small payments to all of my credit cards. Total Visa was no exception. In spite of this, they have been telling me that I 'm past due of {$43.00}. They are also reporting the account as delinquent, clearly billing me for unauthorized charges.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I enrolled in a long-term repayment plans and Navient failed to disclose the annual deadline to renew my plan, misrepresenting the consequences of non-renewal, and obscuring the renewal notice to me, the borrower, when it was due for renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Follow up to CFCB # XXXX and # XXXX. Also see XX/XX/XXXX complaints to CFCB. I am still waiting for Bank of America to take ownership of the management of the status of my closed loan. The status and amount of my loans remain incorrect with all XXXX of the credit reporting bureaus. See attached contradictory letters from Bank of America and XXXX XXXX. Bank of America approved my short sale in XX/XX/XXXX and they are the mortgage institution responsible for updating my credit report correctly but has not done so.

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 2015-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have had a few of my student loan collectors call numerous times a day. Is there a way to stop this. I see no reason why they ca n't call just XXXX time per day and leave XXXX message. I am told that it does this because the calls are on an automated system. Most of these loans are for financing my schooling with University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 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: CA

Complaint narrative:
My loan servicer is Navient and they have been terrible. I have been trying to get my repayment in the correct plan and the monthly payment amount correct so that I can receive loan payment assistance from my school. I 've had to apply for forebearance because every time I follow through with their advice and request for documentation, they tell me I need to do something else ( after giving them the requested time of response ). I actually want to START repayment and my school is ready to pay the loan if Navient could actually assist me. Instead I 've missed three months of opportunities to have my school loan monthly payments paid and accrued additional interest.

Company response to consumer: Closed with explanation