vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of American direct deposit funds into the incorrect and they were notified, however the funds were not rejected and returned to the original source. This has gone on for the past two months with this discrepancy and nothing has been done to rectify this issue.

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 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello. Around XXXX XXXX or so of this year I submitted a complaint about poor mortgage loan servicing for a modification from BOA. They have since responded to the CFPB 's requests, but now there are new issues with them. In calling me in response to your requests they affirmed me I can re-apply for the modification. I asked specifically, once again, " do I meet the baseline requirements to even apply '', she said yes. I then received a callback from XXXX XXXX, my new account manager on XXXX/XXXX/16 at XXXX, after giving her a quick synopsis ( the documentation I sent you from the original complaint ). I asked AGAIN, the third time " Do I qualify for assistance based on meeting certain prerequisits '', and she said yes I do. 
After doing a little research online I did find there is a 24 month waiting period between modification applications. I reached out to BOA on XXXX/XXXX/16 XXXX. I spoke to another acct. mgr. XXXX and asked if what I am reading is correct. She told me, within 5 mins, that I would not be eligible for mod before 24 months. She then advised me to wait to submit the application till XX/XX/XXXX. 
So CLEARLY, once again I am being set up to fail, had I not made this call to the bank I would have submitted my paperwork too early and denied, putting my situation even further out of affordability of a Chapter XXXX repayment. 
So far I have gone through XXXX different account managers in just a few short weeks. 
XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 " XXXX '' XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 I did not write her name down, will show in notes at BOA i 'm sure. 
XXXX/XXXX/16 Back to XXXX. 
This continues to be a ridiculous circus with the bank all before I even send the application out! Each acct. mgr. with different information of the base requirements. I am at the point I may need to find legal counsel which I really ca n't afford, so I am really hoping you can followup with them and find out what their excuse is this time. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I hope that I have selected the correct options. I sold my home and when the title company went to get a clear title, it came back that I have XXXX home equity loans against my title. Bank of America has recorded my home equity loan twice. It has been. A week of constant contact with them, with no resolution other than they have to research this and it could take up to a month to resolve this. This is not my fault, but Bank of Americas fault. I am going to lose the sale of my home as well as the ability to start building a new home because of this. I call daily only to go to voice mail and when some XXXX contacts me I am told that it has been expedited for resolution and they have no idea how long it will take to research this on my dime. Any help that can be given to resolve this would be greatly appreciated. The resolution number XXXX. My point contact is XXXX XXXX, XXXX ext. XXXX. Thank you in advance in getting this resolved so I do n't lose the sale of my home.

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 2017-01-20 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: IN

Complaint narrative:
I recently switched banks. When I went to change my bank account that was setup for autopay, I put in the new account information and everything seemed fine. I then find out several months later that Navient had flagged my account for fraudulent activity. None of my payments had been processed and they were telling me that I was behind on payments. I then went to check the autopay settings and my bank account information had disappeared. When I tried to re-enter my account information it said that the account was flagged for fraudulent activity and that I needed to have my bank send their fraud department a letter stating that it was my account. I called my bank to inquire if Navient had ever tried to withdraw the money, my bank said that they had not nor had they tried to contact them in any way. I had my bank send them a letter certifying that it is my account over a month ago but they still have my account flagged for fraudulent activity and wo n't let me pay with electronic withdrawal. I have tried contacting their fraud department numerous times but nobody ever answers and the calls just redirect to their overseas call department which are no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My accounts were closed and {$260000.00} was taken from me without due process or investigation and several banks are involved. I was promised its return plus interest accrued. 
I filed separate complaints on each bank involved without any results, no accountability and basically no communication mediator. After XXXX years and XXXX of legal fees, I was XXXX and taken advantage of in court. I received a check that was an insult and lost by default when I was incapacitated in the hospital. The money was intercepted fraudulently by XXXX XXXX and re-issued XXXX times even though XXXX XXXX was not involved after they had foreclosed I year after my home burnt down and in modification as well as rebuilding. They were paid {$240000.00} and no money was owed.

Company public response: Company 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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have tried over and over for years to deal with XXXX to pay but they would never agree on a payment I can afford. They will keep calling my job, my cell phone non stop 3 times a day. It 's frustrating and also destroying my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I signed a loan at a very young age about 9 years ago and have struggled since in paying the amount due ever since. I have fallen behind on several occasions because of not being able to maintain the minimal standard of living for myself and dependent. The interest rate is set at 12 %. I started my loan by borrowing {$20000.00} and 9 years later I am at {$29000.00} due to interest. I continue to struggle and can not provide what I need to for myself and son with this extremely high payment of {$460.00} a month as well as it will end up being {$100000.00} of repayment by the end of the " life of the loan ''. The private loan company does nothing to help me make this easier ( by lowering the interest rate/payment ). I have been without a place of my own since I was divorced in 2013 and I am forced to stay with family and or my boyfriend. I can not contribute financially to the household because of this and I am at the end of " favors '' being given by people as we ( myself and my child ) are causing financial strain on others now. Without lowering my payment/interest rate so I can have an affordable payment I will not be able to have a home of our own until the loan is paid off. I have exhausted the forbearance offered years ago and the loan company says I am not in " undue hardship '' because I have {$400.00} a month left over after they calculated my bills. This does NOT include rent/utilities that I NEED to pay but are NOT paying yet because I have to " mooch/live for free '' off of my family and boyfriend. I work for " public service '' and because this is a private loan I am offered XXXX relief. I have another 9 years left on the loan and with that being said my current financial situation is likely to continue for a significant part of the repayment period. I need help ... the only other step I may take is to file chapter XXXX or XXXX bankruptcy. This is insane to start with a {$20000.00} loan that has spiked up to a {$29000.00} loan that will inevitably be paid back in the amount of {$100000.00} ... no one should be forced to live in poverty because of such high interest rates nonadjustable.

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: MO

Complaint narrative:
I believe my school gave me loans that where for greater amounts needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has repeatedly and frequently called my place of employment after being told by my employer that I may not receive any calls outside of emergency calls on this line. I removed this number from my account information, although I do not know how they even got this number as I never give it as a contact method, and they still continue to call my place of employment up to XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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.

Complaint narrative:
Dear Sir/Madam : I 've already submitted a case under number XXXX, however in addition to that claim, I have the following complaint regarding the loan received to study at XXXX XXXX University in XXXX XXXX. 
I paid my student loan, which was 30 days late in addition to the current monthly loan due on XXXX XXXX 2017. My aunt, who is the co-signer on this loan, received up to XXXX calls per day until XXXX XXXX 2017. I live in XXXX, XXXX and those collection calls should come to me and not my aunt, but maybe the lender does n't want to pay overseas calling costs. At any rate, these collection calls continued even after the loan payment had been made ( 4 times per day ). I think it 's incorrect, for customers to continue to receive collection calls after the payment has been made -- - until Navient can sort out its own internal accounting postings. Once the payment has been made, collection calls should cease immediately. This is psychological terror. It 's unacceptable that someone who is trying to make the ends meet should continue to receive collection calls even after the payment has been made. And even if I had n't made the payment, XXXX collection calls in one day, should be considered excessive harassment. The next time this happens to me, I will be seeking legal counsel. I 'm required to pay a penalty on my account for late payments, which is enough. The addition of XXXX collection calls in one day and everyday harassing customers for payment ca n't be considered legal. Not to mention, it 's inhumane!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Bank of America under staff its branch compared to its competitors. Bank of America realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Bank of America at this location disregards its obligation under banking act. Why is that CFPB is unable to make Bank of America provide community based banking service

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 2016-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient is counting my income as my husband 's income, and he is a XXXX. Navient says we have to file taxes separately in order for my income to not count as his, but he has NO income and he is my dependent. How does that work? His payment was {$110.00} a month and now is {$330.00}. Both Navient and XXXX moved us from an IBR to ICR this year, and I can not figure out why. We spend {$XXXX} a month on our son 's XXXX, plus whatever XXXX bills I may have. With what Navient is charging for my husband 's payment plus my payment, we are paying over {$1000.00} a month on student loan payments. I bring home less than {$XXXX}. We can not pay this amount for my unemployed husband. He has no income and it is a double charge for my income to make him pay based on my income. Navient has been threatening to charge him even more. I can not figure out how to get help, and Navient is being incredibly awful to my husband. With the XXXX, we do NOT need additional XXXX and we are not going to be able to survive with the payment they have assigned him based on my income. We had to complain about Navient before ( last year? ) for being even worse and telling my husband to falsify a government document. I do n't know how to get Navient to reduce my husband 's payment. How can it be right to charge me twice on an ICR ( which is supposed to be an IBR plan )? He has XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I bought my house in XXXX XXXX, with an FHA program, it was financed with Bank or America ( not my choice ). XX/XX/XXXX BAC sold my mortgage to XXXX XXXX XXXX. In XXXX XXXX I received my statement from XXXX with a late charge of {$27.00}. I called XXXX and asked about this and was told by the consultant that it was a late charge from Bank of America. I have not had my mortgage with BAC for over a year. I am disputing this charge with XXXX in writing with a letter. I am disputing this charge with BAC through you. I have no date or explanation of this charge. I do not owe BAC anything.

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 2016-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was in mediation with Bank of America, already filed that complaint. Bank of America charged me {$200.00} and now an additional {$530.00} because for ten minutes of them telling me they would not help me or correct the records. They prey on the old and 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 monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 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: MA

Complaint narrative:
For 12 months I was on an automatic rate reduction payment plan with Navient. In XXXX 2016 I noticed my Navient account sent me a note of a late payment. I called them immediately was advised and assured that my account was not delinquent and with the next payment my account would be current. My XXXX payment went through and the same noticed appeared on my account. I called again, expressing my deep concerns due to working extremely hard for my credit score and that I would not want an error to appear on my credit report. The Navient representative went through my account and advised that my account was set up properly and payments were being allocated correctly. XXXX 2016 I check my credit score and fico score and saw that my score dropped XXXX points due to my Navient account reporting as XXXX delinquent!! I called Navient immediately after being transferred numerous times the final representative confirmed that the error was due to a miscalculation with the account being set up on Navient behalf. I advised that an immediately notice be sent to the credit bureau of this error. XXXX & XXXX 2016 I checked my score again with little to no difference made to my score. I called Navient again to advise that no resolution was made with my score and that this was affecting my financial future! It was then I noticed that Navient was also charging me late fees on top of this error that occurred on their behalf! My account was adjusted and was advised that another 25 days would be needed for them to do a full evaluation to my account to submit the " XXXX portion '' of the dispute to confirm that my score dropped indeed solely on their behalf. Since then I have seen no difference to my score and no next steps from Navient on a resolution on correcting their mistake. I have also placed a dispute with XXXX to also look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During the final weeks of closing, Bank of America provided poor service that made us almost lose our closing / home. We received a closing disclosure letter contacting Bank of America if there was something significantly different that what was promised. No contact was required unless there is an issue with the loan costs. 

A day later, we received a call from the builder / Bank of America that our closing would be delayed as we did not contact BoA to tell them we received the closing disclosure. No document said we needed to contact BoA but we were told " new Frank Dodd requirement. '' I said we did not have any language about this requirement and was told it was our responsibility. 

In addition, the letter was incorrect in that it did not have required Georgia disclosures ( i.e. wiring of funds ). 

The writing of the disclosure document is incorrect.

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