vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Bank of America,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Bank of America Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by BOA about closing the account and getting a refund. I answered all the questions, but BOA has failed to close the account or refund my money.

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 2016-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C.
State: IA

Complaint narrative:
I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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:
Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/2015 My father after 10+ years of perfect payments to Bank Of America got the devastating news my mother would have to be put in XXXX because her XXXX XXXX was progressing quickly. My Fathers XXXX could no longer maintain or afford their dream home any longer. Being a man of integrity, he contacted them immediately and told them they could no longer afford the home and my mother could no longer navigate the stairs. I am a realtor, I immediately got the POA 's that were necessary and started trying to assist BOA in the process of a " short sale '' as to keep them form losing any more money and to respectfully release my father from the incredible stress. This was the plan of action we chose. Since that date we have now spoken to XXXX individuals, we 've sat and watched my fathers state of mine and financial future damaged beyond repair, we lost my mother XX/XX/2015, we received an incredible short sale offer on the home that was not even submitted until 2 months later, had over XXXX showings and the home continues to deteriorate, no phone calls to me personally have been returned, Bank Of America has not represented the company in a professional manner nor have they shown compassion or tried to rectify the matter on a timely basis, we are in the XXXX month of dealing with a process that has taken less than 90 days with other banking institutions and we just got turned over to XXXX new contacts that have yet to perform any better. BOA has caused unnecessary stress on my father, my realtor and shown poor care for their own company. If they are doing to my father at the age of XXXX, they are doing it to XXXX others. It is a travesty no one should have to deal with especially when the seller has made every attempt to do the " right '' thing even though my mothers illness and passing caused the extreme challenge. Shame on BOA and their leadership. They have cost their company probably XXXX dollars because of their antiquated systems and poor judgement. This is in my opinion 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 explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Have written you folks before about the incompetence, uncaring, and indifference of Bank of America and the charade they refer to as " customer service ''. Been trying to arrange a short sale of property financed by BOA in Virginia for the past several months. At one time, actually had a bonafide offer. Our loan # is XXXX. 
The most recent agent assigned our tentative sale is XXXX XXXX, XXXX, ext. XXXX. She sent us a ltr regarding same on XXXX XXXX, XX/XX/XXXX Attempts to contact her have failed. Prior to her supposed assignment, we were told to call or contact : XXXX XXXX, XXXX ( ext. XXXX ) ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; etc., etc., etc. 
Needless to say I have left msgs when possible at the above phone numbers. Our realtor, XXXX XXXX has had similar luck. I have even tried actually walking into a BOA branch office and speaking with a gentleman dressed in a coat and tie and seated at a desk to ask his help. I was told ( albeit politely ) " he knew nothing about mortgages ''. 
If I 'm not mistaken, in XXXX when the real estate market crashed badly in a number of states ( including XXXX where we had recently purchased a home ), BOA was XXXX of the institutions that received federal financial help and assistance. ( My wife and I did n't receive any such help and truthfully, did n't expect any. ) XXXX. At present, we 're not sure if said " short sale '' offer still exists. We do know our realtor is trying hard. We 've never had an offer before in over five years. XXXX would think when and if such an offer surfaced that BOA would take aggressive and immediate action to close the deal. But, now we 're in the XXXX century and everything is different. Glad I 'm old. 
So, I 'll continue to try and make phone calls to BOA and sadly continue to make mortgage payments.

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 2015-09-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX I was interested in attending The XXXX XXXX. After being accepted to the college the financial adviser said I would need to apply for a student loan if I was not able to pay for the tuition out of pocket. The school 's adviser filled out all the paper work for me. Then the loan company ( XXXX XXXX ) said I was not approved for the student loan, but if I had a co-signer they would approve the loan. Under the assumption that I would need XXXX co-signer to be able to go to college and receive a college degree, I agreed to use my mom as a co-signer for the student loan. The school had me in a fast track program, I was in school from XX/XX/XXXX to XX/XX/XXXX and have a student loan for over 30,000 $ US. After those months had passed, the school told me I would need another student loan to continue my education. Again, the loan company said I did not qualify for the loan, and this time, they said my current co-signer did not qualify for the loan as well. Growing up with XXXX parent and not having any relatives this forced me to be unable to continue my education. I have been working ever since I had to stop going to school to be able to pay back this student loan which I feel I should have never received if my co-signer and I were both denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I try for deferred once and I got it. But this time I try they told me I had to pay the note, but I told them I make certain amount a month I ca n't afford XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America provided no warning, written via telephone nor via email though in full possession of those facts about the expiration of an offer. In point of fact in violation of the Fair Credit Reporting Act have forced me into a negative option.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
In 2005 I wanted to attend a XXXX in XXXX, IL. The only way to do so was to take out student loans with XXXX XXXX. I know I was not educated about student loans at the time, but Financial Aid failed me, my parents could n't afford to send me to college, student loans were my only option. I want to say XXXX XXXX was the only company that would give me a loan. 

For two years of college and a XXXX semester my loan total w/accrued interest was roughly a little over {$63000.00}. XXXX XXXX would pay whatever it cost the semester then would mail me a check for the remainder of the amount. I took out XXXX {$20000.00} loans and XXXX {$10000.00} loan, and each time I got money back. I think student loan carriers should n't be able to do that. I received close to {$7000.00} at XXXX time back for a semester. I used that money to live off of because I was a student and needed the money. Looking back, the money that 's only needed for college should be directed to that and whatever money is left over goes back to the loan. Students should not be seeing that money. I wish I had done things differently, but to be honest no one prepares you for the cost of college and how to deal with it once you graduate. High school and college do not prepare you for life. You 'd think with guidance counselors and advisors they 'd help you, but they do n't go in detail about these decisions except " go to college and get an internship or a job. '' All our lives we hear it 's the American Dream to go to college. I do n't regret my decision, I do n't work in the field I received my degree. I pay on my student loan each month. This experience makes me weary of loans. I do n't believe we have to go into debt for these things. I ca n't blame anyone but myself. But going forward if there 's any money left over from a student loan you take out, it needs to be credited back to the loan company. America would n't have a student loan crisis if this was done correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My tenant paid us the rent ( {$2400.00} ) at the counter of a branch of Bank of America on XXXX/XXXX/2016 and she withdrew {$1300.00} at the same time. Instead of withdrawing from her own account, the bank withdrew money from my account. Is it ridiculous? I texted her and she said it 's bank 's mistake. The bank will correct the mistake. However, Bank of America did not take any actions. It turned out my tenant 's husband went to another branch to deposit back {$1300.00} on XXXX/XXXX/2016. The bank never notified or apologized to us any alert for this unauthorized transaction. We found out by checking our account activities by ourselves. I went to the branch on XXXX/XXXX/2016 near my home to bring up the issue. They called that branch and the branch manager said she was busy and will do the research and get back to me. But she never responded. I am very upset that people can withdraw money from my account without my consent. In addition, BOA had very horrible attitude. They NEVER followed up on this serious mistake. It 's an unauthorized transaction.

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 2015-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
this is what happened after the first complaint settled BOAI finally got into a modified loan, but I dont know how they came up with the number not including the escrow. On XXXX I fell on the job and was hurt. I have injuries to my XXXX. I knew right after I went to the urgent care I 'd need a lawyer. My company XXXX is not paying me right, they are suppose to pay me 35 hours which I have never had at my hourly wage. ( 66 % ) after getting XXXX payments, they lowered it XXXX more. The day after I had this happen I called XXXX XXXX and told her there is no way I can pay what they told me I was going to have to pay ( house payment ) now it is XXXX plus shorter. i was transferred to another loan person, I want to say her name is XXXX. On XXXX different occasions she told me she mailed out a packet never got until last wednesday. She told me they do XXXX modifications in the first 5 years. I explained I dont get enough money to cover house, car, food, utilities, some bills I have been paying on. My food stamp amt is XXXX waiting for them to fix it. My worst fear is not having a job to go back to, XXXX doctor said with the damage I 'd probably not be able to lift XXXX-XXXX lbs with right hand. I have been applying for other jobs I can do. Then if I get a job do I wait to have surgery later, at this time none of the damages to my body has received any medical care. The papers sent to me I am neither the owner or co owner, I sent in my information as best as I could. I will be mailing this on monday. The amusing or not so amusing issue is my house will be paid off in XXXX. Im not going anywhere, I have to stay in my home 10 years for getting the NC foreclosure loan. My house is not in the best shape, it is not worth the current loan amount. Until my health issues are completed or I get a new job I am between a rock and a hard place. ( in a home or on the street ) Never have I had a financial institution knowing treat their customers this way. Its like they go out of their way to create more stress than we already have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Credit report showing negative payment history to them for federal student loans however, I never received emails, physical mail, or any other form of communication stating there was a balance or payment due. From all communication originally received, amounts granted were considered grants, not debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from Bank of America for servicing. 

The loan amount that was due at transfer was XXXX. 

XXXX needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, Bank of America, and reflects a XXXX balance. 

I 've attached the most recent update from Bank of America referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

XXXX need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, Bank of America. 

There has been no activity on the account since the transfer to XXXX ( ie no payments or payment agreements ). 

I am communicating via the CFPB because XXXX 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.

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 2016-10-10 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: NY

Complaint narrative:
There are XXXX issues. 

# 1 The accounts are listed as closed when they are not. 
# 2 My responsibility on the XXXX other credit cards were as a joint credit card account holders, not an authorized user. Both accounts I am co-account holder, not an authorized user. My social security and credit is on both accounts as responsible for payment. 

This includes XXXX cards, in the name of XXXX XXXX ( ss # XXXX ) and XXXX XXXX ( ss # XXXX ), billing address XXXX XXXX XXXX, XXXX NY XXXX, Tel Numbers XXXX/ XXXX The credit card account opened XX/XX/XXXX with Bank of America XXXX. 
The credit card account opened XX/XX/XXXX with Bank of America XXXX. 

What does n't make sense is that when we call all the information is correct and the accounts are still listed as open and joint. So we asked why it was n't being reported correctly ( the credit bureaus claimed it was Bank of America reporting and we had to talk to them ). No one knew who we should speak to or what to do. We asked to file a complaint. 

We were finally transferred, with both of us on the telephone, and reached an escalation / debt collections person at Bank of America to ask for the information to be reported correctly, with both of us on the telephone that we reached a lady named XXXX who seemed to be confused and was very belligerent. She was under the wrong impression that we had debt or was late on payments, when we have XXXX debt and have never been late. We have the recording of her yelling and not listening as we both tried to calmly explain, or be put in touch with someone who was in the correct department. 

This lady XXXX from Bank of America stated everything was on our applications, that the Bank does not report anything in error. We stated that this was not true, because she was contradicting what the customer service representative said, and requested a copy of the applications. The lady, XXXX, replied that we could not have a copy of our consumer agreements which we have a right to have a copy of.

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 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received XXXX charges to my Bank of America business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Bank of America. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I " did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America treated an outstanding customer with exceptional credit with horrible service. They took over 1 year to make a decision to deny my loan modification. This resulted in a payment now triple the amount. This delay prevented me from seeking other alternatives. They requested and re-requested information I had already sent for over one year. Further, Bank of America is encouraging me to default on my loan. Bank of America lied about the loan terms stating it was a 30 year loan and did not disclose it would change the terms after 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation