vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America sent me XXXX credit card offers checks for no interest for 12 months and 3 % transaction fee. I accepted the offer and deposited XXXX check into my account. They started charging me interest on both accounts. I tried to argue and tell them that this was 12 months no interest offer. They did not agree to remove the interest and said the offer was not valid if you deposit the check on your name. They said it had to be deposited on someone else 's name. I said If I had read that then I would have certainly deposited in my wife 's name and do an online transfer to my account. I said, there is no where written in the offer that I can not deposit the check in my name. They wrote me a written mail that it was written on top of check that the offer is invalid if deposited to your name. I requested a copy of the check to verify and confirmed that there was no such thing written on the check ( check and their communication is attached ). I tried arguing as this is a fraud and stopped making payments on both cards. Ultimately they ruined my credit history. Please look into this as I seriously need to buy a bigger house as my mother lives with us and i only have a XXXX bedroom house with XXXX kids, my wife and mother. I have attached their communication and copy of the 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 2015-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 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: TX

Complaint narrative:
failing me at every stage of repayment improperly applied payments to accounts lack of guidance to repayments did not disclose information needed to lower payments did not disclose information about releasing co signer from loans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: MI

Complaint narrative:
All Navient does is call all the time demanding money and threatening economic harm if they do n't get it. They wo n't send me the log in info I need to get into their website, they wo n't give me a straight answer to my questions on the phone and they insist on humiliating and harassing me by refusing to get to the point until I answer all sorts of personal questions, as if an identity thief is going to succeed with anything by talking to their collection dept. Please give me another servicer, I am so close to not caring anymore about default because of Navient 's abusive conduct. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a cashier 's check in Bank of America of amount XXXX. After 2 days of processing the amount was credited to me in the account. So I had to make a cash payment to the same person. But after giving the cash and after 5 days the bank says the check was fraud. 

If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 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: NJ

Complaint narrative:
My private student loan was placed in default when I filed for bankruptcy in 2012. After it was placed in default, it was charged off. I recently reviewed my credit report because my score was decreasing and I discovered that the private student loan has current activity and is reporting that it is passed due. If the private student loan was charged off the creditor can not start reporting current collection activity. This private loan should remain in charge off status and not revert to past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently ( on XX/XX/XXXX ) opened a new checking account with Bank of America ( " BofA '' ). I 've had a mortgage with them since XXXX and they offered an incentive of {$200.00} if a new account was opened and the mortgage paid with funds from it by XX/XX/XXXX. At the end of XXXX, I received 3 personal checks ( totaling {$4400.00} ) in connection with a new tenancy for a rental property. I deposited those checks into the BofA checking account on Monday, XX/XX/XXXX, and the receipt indicated that the funds would be available on 11/30/2016 at XXXX On XX/XX/XXXX when I noted that the funds remained on hold, I called then personally visited BofA where I opened the account ( no answer to 2 telephone calls ), and was told that the funds would be held until XX/XX/XXXX at XXXX. ( not sure of the hour, but I recall it was morning and not end of day ). There was a claim that this was " a new pattern '' with my account and there was no confirmation that the bank would pay the checks. At the time, I showed the BofA representative ( XXXX ) a screenshot showing that the 3 checks had been honored from my tenant 's account on XX/XX/XXXX and that there was more than ample money in the account to cover the checks ( 14,000+ ). My issue is that BofA not only had already been paid on the checks and was claiming there was some " risk '' to justify continuing to hold my funds, as well as claiming no relationship with me after having had a pristiine mortgage relationship with me since XX/XX/XXXX. I noted to the BofA representative that this kind of action on the part of big banks is why I will take steps in the future to move my money out of BofA and not do business with them in the future if I can help it. I believe their continued hold on MY MONEY is an unacceptable action, and I wish to notify CFPB and receive an appropriate remedy.

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 2016-08-25 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a form letter from Bank of America at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called BOA immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other BOA services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called BOA to ask why, they informed me that the XXXX required me to furnish BOA with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.

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 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please 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 monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.

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 2016-08-30 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: NE

Complaint narrative:
Any issue with Navient regarding student loans is of great concern, because when I notice a Navient action that is incorrect and fraudulent, there is a high degree of certainty that the systemic and persistent errors are also being applied to XXXX student loan borrowers with XXXX dollars in student loans. 
My Dept of Education loans are in deferment, and I simply wish to make small payments during the deferment period in order to pay down the accrued interest so that a large amount of interest is not capitalized ( adding to the principal balance on the loan ) at the end of the deferment period. 
I am being prevented from making payments towards accrued interest. 
In every document that I can find, payments on student loans are supposed to be allocated first to fees, then towards interest, and then only then towards principal balance. 
I received the following response from a Navient Customer Service agent : " Our records indicate the loans are in an unemployment deferment until XXXX XXXX, 2017. The federal government pays the interest that accrues on any Subsidized Stafford Loan during deferment periods. Loan XXXX is subsidized, therefore, there is currently no outstanding accrued interest on this loan so payments are being applied to the outstanding principal balance. Loan XXXX is unsubsidized and there is currently {$90.00} in outstanding accrued interest, therefore, payments are being applied to the outstanding accrued interest. '' The statement above is inconsistent with the payment allocation rule. 
My payments during the deferment period should be applied towards accrued interest first.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting my equity line under Derogatory Items due to the way they report to the credit bureaus. I have never been late ever. This is adversely affecting my credit score and I am unable to refinance my other properties. The value of the property dropped, and they put this on my credit report. Its not my fault it dropped. Why is this on my credit report????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have owned my home for 30 years and it is now home to me and my XXXX grandchildren. I am retired and taking care of them. In 2009 I was pushed to refinance into an FHA loan by my daughter ( in order to benefit her ) and this raised my monthly payment over {$400.00} and added mortgage insurance. Not long after that I found out that my daughter was stealing from me and that she had a lot of problems. I was okay with the mortgage payment at that time because I had a good job and could afford it. However I was laid off after 24 years from my XXXX job and struggled with my mortgage payment and eventually fell behind. 

This loan is with Wells Fargo and I began trying to work things out with them but it was very difficult to make any progress. Instead of reviewing me for assistance programs for FHA loans they are ignoring me and moving me into foreclosure. I am concerned that my daughter may have gotten involved in the process and this has led to these problems. Wells Fargo should know that I am the borrower and that unless there is a signed authorization they should be dealing directly with me in regards to this issue. 

My main worry is I know that there are programs for FHA homeowners who are late on their mortgage and I would like Wells Fargo to work with me to try and qualify for these programs like modification or partial claim or forbearance agreement or repayment plan.. I have a pension and get SSI and can afford a fair payment. I do n't know what the problem is but I hope that they will decide to work with me instead of ignore me.

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 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Had XXXX overdrawn fees XXXX/XXXX/2015 for bofa.. XXXX of which were made a XXXX earlier than my deposit of {$410.00}, which would have covered everything therfore avoiding the XXXX hour time limit i have to bring everything current. Then they said i have extended overdrawn fee??? My account was not overdrawn for 5 consecutive days. I have receipts showing I brought it current. My account was current the day before. They say they can waive XXXX overdraft fee per year but they lie ... Liars have n't waived a fee in years.. And the the XXXX that I went overdrawn on I deposited the money XXXX hours after, but of course they tacked on the fees first, then they made my deposit after.. Bank of America account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX/XXXX/16 I Deposited XXXX Checks totaling {$14000.00} with my Account with Bank of America. My Deposit Slip says {$4800.00} would be available to me on Friday XXXX/XXXX/16 after XXXX. These Checks were from XXXX XXXX XXXX. My Deposit slip says {$9900.00} would be available on XXXX/XXXX/16 after XXXX. I knew I had money available according to my Deposit Slip, so I mailed off XXXX Checks. Checks # XXXX for {$360.00} ... .and # XXXX for {$1800.00} I have online Banking ... .on XXXX/XXXX/16 I was charged {$35.00} for each check as NSF, even though Bank of America ... .had the money, just has n't Deposited it in my Account. On XXXX/XXXX/16 Bank of America said they RETURNED the XXXX Checks. They did not. On XXXX/XXXX/16 Bank of America Cleared the XXXX Checks. They just wanted the {$70.00} in FEES. I went to my Local Branch in XXXX XXXX to NO AVAIL. Nothing they could do they said. 
Any HELP in this matter would be very much APPRECIATED. This Bank of America Lacks Integrity!!!!!

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 2016-04-06 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: VA

Complaint narrative:
I have been paying for my student loans since XX/XX/XXXX and still have a balance of {$23000.00} ; they will not be paid off until XX/XX/XXXX and I would like them reduced or eliminated, since I worked or the federal government. I currently make two ( 2 ) payments to Navient via directly from my checking account, in the amounts of {$640.00} and {$74.00}, for Stafford Subsidized ; Stafford Unsubsidized and XXXX loans. Stafford subsidizes loans total {$8300.00} ; unsubsidized {$9200.00} ; and signature loan {$5700.00}. I went to XXXX XXXX University and obtain my XXXX XXXX and XXXX XXXX degree in XX/XX/XXXX. I am XXXX years old turning XXXX on XXXX/XXXX/XXXX and would appreciate some relief with this debt. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is now the 2nd complaint on the issue as the first time PayPal said there was no problem, I should be able to log in and that was quite some time ago but I tried again to reset the password and jumped through their hoops, wasted more time but still ca n't. The primary complaint is I feel this is retribution from a previous issue had with them and tremendous failures handling a return. Perhaps they were even offended I did a credit card dispute as well. One issue the CFPB should note is that extra attention should be paid when a company positions itself where consumers have a difficult time finding a comparable service. I think companies like PayPal see this as an opportunity to not care and do things like such retribution ... Basically PayPal should be regulated like a utility until or unless they end up with more competition.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In less than twenty-four ( 24 ) hours Bank of America is intending to conduct a Trustee Sale on the XXXX Deed of Trust, which is ninety ( 90 ) months past due. 
Today, XX/XX/XXXX, Bank of America Appeals Department, Appeals Specialist XXXX, confirmed no Appeals Department determination based on the XX/XX/XXXX appeals review has been issued to me to date. 
Bank of America has not represented to me the scheduled Trustee Sale has been or is going to be cancelled. 
Bank of America has not admitted to any wrong-doing during and throughout the loss mitigation processes. 
Bank of America does not have the right, as a matter of law, to claim ownership and, therefore, any right to sell the debt associated with the XXXX Deed of Trust at Trustee Sale. 
All previously mentioned resolutions are desired and mandatory. 
If I did default on Bank of America, it was ninety ( 90 ) months ago. 
I own my property and home under a claim of adverse possession in accordance with the laws of the State of California.

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contracted with XXXX XXXX XXXX in XXXX, XXXX to conduct my move from XXXX to XXXX, XXXX. I paid for the entire move, over {$8000.00} on a Merrill Lynch, XXXX card which is owned by Bank of America. 
My move went horribly by the mover. XXXX split my shipment in to XXXX-differen shipments, with the second shipment arriving 19-days after the first. Many needed household items were missing from the XXXX shipment, in which we had to go out and purchase replacement items. 
I submitted to Merrill Lynch credit card to hold {$500.00} from payment, since XXXX was unresponsive to my requests. Merrill Lynch waited over 30-days and stated that company was entitled to payment, even though moving company did not live up to its contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief