vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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:
Previously submitted consumer complaint Case number : XXXX and case number XXXX about the Bank of America My Access Checking Account number ending in XXXX is STILL in question. In XXXX during a phone call with a Bank of America representative, I asked them to check about allegations of " Account Abuse '' Bank of America reported to XXXX rendering me unable to open a new account. It was only at that time they notified me I had an account number ending in XXXX which had been closed with a - {$530.00} balance. When asked why I was never notified via mail, email, phone, or any other means as this is the law when recovering a debt, I was told it was an " oversight ''. Not only that, in the time Bank of America claimed to have closed this negative account I owed {$530.00} on, I applied for, and was approved for a Bank of America Mortgage, and NEVER, NOT ONCE was this account or outstanding balance EVER mentioned. I was taken aback and confused as to how a creditor Bank of America can report " Account Abuse '', and not notify the debtor. MOREOVER when I login to my Bank of America account to check and pay my mortgage, the checking account in question, the account Bank of America claimed to have closed on XXXX XXXX, XXXX is STILL ACTIVE with a positive current balance. To clear my name, and clean my XXXX record, I agreed to be proactive and set up payment arrangements to clear this " debt ''. A consumer protection file was opened twice as I was never notified, and I could not fully understand how this is account abuse when under my Bank of America profile, there is a My Access Checking account number ending in XXXX opened 7 years ago with a current balance as of XXXX XXXX, XXXX of {$960.00} ( documents included ). So where exactly did the {$530.00} and {$11.00} I paid? This is the amount claimed by Bank of America to be owed to them go? It appears that Bank of America is the one who should be charged with account abuse.

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 2017-02-10 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: NC

Complaint narrative:
Information that I have gotten I have managed to get off the website. I had moved from the address that Navient had. I have been in multiple forbearances and requested an income driven repayment plan which I was denied. I requested this due to my husband being unemployed and I am the sole provider. He has been unemployed for 16 months. These loans hit my credit as " past due '', a total of XXXX of them which killed my credit score that I was trying to rebuild, why could just not one total have been put on there. Since then I have paid off XXXX small loans XXXX & XXXX and set up payments on XXXX, XXXX, XXXX, XXXX and I believe I have forbearance for XXXX & XXXX. Since Navient is involved in this type of lawsuit should they NOT be allowed to report things to the credit bureau. Seems a little unfair. What do I need to do to possibly get this information removed from my credit report? I really am not sure just how bad my loans have been effected due to forbearances that seemed to be the best option since I was denied they income driven payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: MD

Complaint narrative:
NAVIENT ABUSE : I AM A COSIGNER FOR A NAVIENT LOAN, THE ORGINATOR IS SEVERAL PAYMENTS BEHIND, SHE LOST HER JOB. NAVIENT IS ABUSING ME WITH CONSTANT PHONE CALLS 5 TIMES A DAY 6-7 TIMES A WEEK FROM XXXX TO XXXX ON MY HOME PHONE. THEY ARE ALSO USING ABUSIVE LANGUAGE AND WHEN I ASK THEM TO STOP OR BACK OFF THEY SAY THEY CAN CALL UP TO 8 TIMES A DAY, THERE IS NO LIMIT. I HAVE TOLD THEM SEVERAL TIMES OVER THE LAST WEEK THERE IS NO SET NUMBER BUT THE NUMBER & VOLUME OF CALLS IS ABUSIVE. THEY REFUSE TO STOP. ABUSING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have a credit card with Bank of America. I could n't figure out how I always had a balance carried forward even though I always paid the " current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They would n't let me do an forbearance on my loan. I end up paying just the interest On the account but now that I 'm paying it every time. I check it 's not going down it 's actually Increasing by dollars every month. I do n't understand if I 'm paying it why is it going up and not down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: AZ

Complaint narrative:
Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.

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 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have Bank of America borrower protection plan. I 'm XXXX. Not able to pay mortgage. But the plan never triggered and now they are foreclosing. I do n't understand. The plan states it will make the payments when I 'm XXXX. Yet, they have proceeding to foreclose after sending in all claim paperwork?

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 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for an assumption through Bank of America ( BofA ), to remove a former spouse from my existing BofA mortgage. I completed the necessary paperwork to complete the assumption ; received a notification from BofA to submit an additional signed document ; sent it back to BofA through UPS tracking ( both times ) ; and waited for feedback from them regarding next steps. Within two weeks, I received a phone call from XXXX on XXXX XXXX at XXXX from a woman in their XXXX branch who notified me that BofA did n't have plans to move forward with my assumption because they were about to sell my mortgage to another lender. I asked the woman whether BofA would still move forward with terminating my application if I refinanced my mortgage with BofA instead of filing an assumption. She said, it would n't make a difference. I 'm certain that was a lie, because the very next day I received a package from BofA ( which was obviously already in the works ) updating me on the status of my assumption process ; which tells me, the company was moving forward with the application until an unethical employee contacted me from XXXX and tried to talk me out of the assumption. I completed the additional paperwork that was requested by BofA and mailed the paperwork the next day. However, on Fri., XX/XX/XXXX, my former spouse contacted me to tell me he 'd contacted BofA and they claimed that I had terminated my assumption application, which was not true. The woman who called me from XXXX did not present the decision to discontinue my assumption application as a choice. Instead, she stated it as a fact and as an update by her on the company 's behalf. Now, after contacting XXXXXXXXXXXX who notified my ex-husband that the process had been terminated and whom I made aware of the mystery call from XXXX, she wo n't acknowledge my emails and has made no attempt to investigate what happened to my assumption application. I will submit this same request with the Better Business Bureau as well. 

I believe that, had I refinanced with Bank of America, they would have made no attempt to cancel my assumption application. But, because my mortgage is an FHA loan that they 're not able to profit from, a representative of BofA terminated my assumption application on the basis of discrimination. 

Please feel free to contact me by email or phone. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX I went through a divorce which caused some financial hardship. In early XXXX I entered the loan modification program with Bank of America. At that time I was only 30 days past due, but of course, they informed me that I 'd have to let my account go 90 days past due in order to qualify for a modification. It took them a staggering 3 full years to complete my mortgage modification. This destroyed my credit due to now having a severely past due payment history. Even after entering into a trial payment period agreement, which was supposed to take 3 months, they still took an additional 15 months to execute the modification. I applied in XXXX or XXXX of XXXX and my mortgage was ( finally ) officially modified in XXXX of XXXX. 

This destroyed my credit since mortgage payments carry so much weight. So recently I disputed their reporting of my payment history as inaccurate through the credit bureaus, but of course, Bank of America provided documentation and the credit bureaus refused to amend it. I then spoke with someone in escalations at Bank of America and they still refuse to correct it with the credit bureaus even though they acknowledge that it took them 3 years to execute a modification and even though we agreed that it could affect my credit for 3 months, not 18 months. Their incompetence is preventing me from even being able to get a vehicle loan and it has negatively impacted my credit score significantly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America issued a Debt Forgiveness letter in XX/XX/XXXX.  It was effective XX/XX/XXXX.  However, they refuse to show a zero balance and we are unable to achieve there cooperation.  They claim they are "processing".  Well, the letter said nothing about processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I payed {$450.00} to have their appraiser appraise my home, to have my pmi removed from my mortgage. I had no choice but to use their appraiser. The aprraisal came back XXXX under comparable homes. They apparently used the XXXX properties that would be in the banks favor to prevent me from having my pmi removed. And their appraisal is final. When I complained to Bank of America, they told me to go refinance with another bank if I could. If I knew the process was so flawed I would never of spent the {$450.00} on the process! My appraisal of my property was XXXX and witg the included document you will see that the median of recent sales is 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 2016-05-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.

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 2016-03-23 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: UT

Complaint narrative:
I am just trying to get my financial situation in order and was looking at taking care of my student loans and was dumbstruck at the interest charges on my loans. I started with an initial XXXX loan and now I am owing over XXXX! This is outrageous and no wonder people are in debt until they did for trying to pay these off!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started a saving account with Bank of America ( BoA ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his 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 explanation
Consumer complaint received 2016-07-02 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:
Navient has been reporting me as 30, 60, 90, 120 days late on my student loan while I am on hardship forebearance. I have the physical paperwork reflecting all of this as well as the e-paperwork. My credit score has gone down XXXX points in the last 30 days because this is the only time I have ever been reported for being late on a payment. It destroyed my plans of buying a car and has costed me who knows how many job opportunities as I 've also been attempting to change career fields. Now I think I know why I mysteriously was having an extremely hard time getting calls and interviews more so than at any time in my entire XXXX years of life. I will take them to court I will blast them on every web site in existance every day if I have to because this is CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
After I was divorced, my ex Wife XXXX XXXX XXXX, applied for a Government back refinance of our old home, Bank Of America approved her application. At the time Bank of America sent me via XXXX documents to sign, which I DID NOT SIGN OR RETURN TO THEM. I still have the documents. 
They still approved her loan and she has been paying it on time and in full for XXXX years now. 
My complaint is that Bank of America lists loan number XXXX on my Credit Report, and despite multiple letters, refuses to remove this mortgage from my credit report. Making it look as if I already have a mortgage. And preventing me from buying my own VA financed home. Again today I was almost pre-approved for a home loan, but that house pops up. Paid on time and in full every month. But I DID NOT sign the loan app and it is not mine. And does not belong on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CL Holdings LLC
State: OH

Complaint narrative:
I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean.

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