vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
I have told them I would pay them online and they have locked that paying option and are making me call them to resolve this account in which I am not commfortable especially with the first gentleman who called me on XXXX Friday trying to resolve a {$1500.00} debt and not giving a XXXX about anyones ( XXXX XXXX ) expenses. I tell him then I tried to settle the account in a loan and didnt recieve the settlement letter so never got the loan. Calls me Monday, same guy. I said you really think my situation has changed? It was not pleasant. Then they keep calling me today and I am continuing to block their numbers until they unlock the account option to pay online and I will take care of it then. That is my hope in submitting this is to get them to unlock the online pay option and I will make arrangements to resolve the account online within 30 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I obtained a loan from XXXX XXXX ( later Navient ) while attending my XXXX university in XX/XX/XXXX. As an aside, it was reported that the university received kickbacks for me being pushed towards this loan service company. I later enrolled in XXXX in XX/XX/XXXX. As a full-time student, my loan was automatically put into deferment. In XX/XX/XXXX, I was notified that a payment was late. I was billed, with less than 30 days notice, for a full repayment payment. I called and spoke to customer service multiple times, and was told that my loan was taken out of deferment each winter break and every summer break ( for my XXXX year period as a full-time XXXX ) because " I was not taking classes during the break periods. '' As a result, my interest capitalized a total of XXXX times from the time I enrolled in XXXX until the time I graduated XXXX years later ( XX/XX/XXXX-XX/XX/XXXX ). Instead, since I was in deferment as a full-time student, interest should have been capitalized only once upon my graduation in XX/XX/XXXX. This unreasonable service of the loan is in complete conflict with the concept of full-time student deferment. No other loans I held during this period ever capitalized interest ( XXXX, XXXX, XXXX and XXXX ). Aside from the issue of wrongfully capitalized interest and forced payment with a late fee, XXXX and Navient have also failed and refused to provide me with a proper interest statement for tax filing. I have requested such documents and have not once received the proper paperwork. Rather, I have received notices stating " although you may have paid interest in XXXX [ insert any year until XX/XX/XXXX ] the interest is ineligible for a tax deduction. '' As a result of claiming the interest on my tax returns, I have recently received correspondence from the IRS. I was required to compile paperwork and provide supporting documents, since I am still told I am not able to obtain a tax statement from Navient, to provide to the IRS. This wrongful conduct by Navient has now resulted in delays in obtaining this years tax returns, as I am being audited for taken deductions from Navient. I have called and attempted to work with Navient to obtain information and to prevent the capitalization of interest on my loan throughout this time, but no relief or proper response was ever received. I am seeking to hold Navient accountable for the wrongful interest amounts charged, and the cost of legal assistance to respond properly to the IRS for Navient 's failure and refusal to provide the necessary tax documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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:
Expenses for Reimbursement : Condo Inspection - {$350.00} Copies from XXXX - {$4.00} Attorney Fees - {$880.00} Condo Questionnaire - {$140.00} Mortgage Application Fee - $ XXXX - XXXXWe expect the Bank of America to honor and accept the mistakes and shortcomings that occurred by their employees.The purchase of our condo fell thru XXXX days before the closing of XX/XX/XXXX.We ca n't express enough the disappointment of the loss of this purchase and expense and lack of trust and communication of Bank of America to do their jobs properly. On Monday, XX/XX/XXXX, our Attorney called us to let us know that the deal had fell through due to the neglect of Bank of America Mortgage Loan Officers doing their job in a timely fashion. The mortgage was approved. All papers were submitted to Bank of America by us for the approval. We were trying to reach the Bank of America Mortgage Officer & his Manager XXXX XXXX for days and only received a call XXXX days after I had submitted a complaint with the XXXX telling me that they would not refund all of our money even though it was their fault. What a disgrace. They always called us to call each of them as their way to communicate. It was bizarre. It was like they never even spoke to each other. The Mortgage Officer would not take care of the Condo questionnaire. We had to have our realtor pay for it up front. He would never answer her calls or emails. Then XXXX week after the questionnaire was completed, another Bank of America employee called because she wanted to take care of the questionnaire and wanted our credit card number. The Loan Officer had called us for our credit card number to pay for the mortgage fee application and said he was charging the card {$440.00}. He charged our card {$660.00}. Who does this? Is this how Bank of America does business? Our Attorney called us once a week complaining that both Bank of America Officers would not respond to their calls and emails. They put all of us from the very start in a very bad position with this whole process. The burden of their jobs was pushed on us XXXX a week. It was like every day was their first day on the job! My husband and I are just XXXX over this and their neglect. Please help us. 
Time Line : Bid with Realtor - XX/XX/XXXX Inspection on Property - XX/XX/XXXX Mortgage Approval with Bank of America, - XX/XX/XXXX Condo Questionnaire Sent to BofA Mort Loan Officer to Complete - XX/XX/XXXX Condo Questionnaire Completed by Realtor - XX/XX/XXXX We were notified that Deal Fell Through - XX/XX/XXXXthe closing was set for XX/XX/XXXX ... ... We just want our expense back for their shortcoming ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 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: FL

Complaint narrative:
Requesting a full audit, in terms of discrepancies, illicit practices, payments and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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 had been paying on my loan for over 3 years. No part of my payment had been applied to principal until 2 months ago when I called in requesting a deferment based off unemployment. 
Issue number 2. When I requested the income based repayment, my monthly income went from XXXX to approx. XXXX my payments actually increased. At this point I had to request a deferment as I could not make the payments I was instructed that payments would not be assessed however interest would continue to accrue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I am a victim of identity theft and someone stole and used my Bank of America Checking Account : XXXX, Money Market Rewards Savings Account Ending In : XXXX and numerous debit cards linked to the checking account, from XX/XX/XXXX through XX/XX/XXXX to make fraudulent and unauthorized transactions on my checking account. Over {$30000.00} in fraudulent transactions has been made to my checking account. {$30000.00} was debited from checking account and my checking account was closed unbeknownst to 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 monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My FHA mortgage lender was Bank of America, which was one of the most challenging financial arrangements I 've ever entered in to. As of XXXX XXXX, 2015 I was notified XXXX XXXX Mortgage would be my new servicer. On XXXX XXXX, 2015 I paid my mortgage via the telephone. I spoke with XXXX at Bank of America and authorized a payment of {$2200.00} and received a confirmation number of # XXXX. On Friday XXXX XXXX, 2015 I checked my checking account and noticed that Bank of America with drew {$2400.00}, {$140.00} more then my established payment of {$2200.00}. On Monday XXXX XXXX, 2015, I contacted Bank of America and spoke to XXXX, who confirmed that Bank of America did indeed take to much money. She insisted however that they could not issue a credit since they are no longer the servicer even though it was there mistake. I then contacted XXXX XXXX Mortgage who told me my account would n't be active for 8 more days and they could n't help me. I proceeded to call Bank of America back who continued to insist it is n't there problem. Once again I contacted XXXX XXXX and spoke to XXXX who indicated that she would send an email the " back office '' and explain that I should be given a refund. I insisted I be notified as to when the refund will be mailed and was told not to worry about it, it will go fast once their legal department contacts the court to get approval???? This is unbelievable and is another inappropriate banking excursion in a long string of fraudulent activities carried out unchecked by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for?

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On numerous occasions I have receive a new credit card because of a supposed data breach. Because I use these credit cards to automatically pay bills I must, once again, fill out new information pertaining to the new card. I called Bank of America and XXXX attempting to find out what merchant, on line, in store, had the breach so as a consumer I can discontinue doing business with them with that merchant. After spending one hour speaking with Bank of America, XXXX and then once again Bank of America I am informed that because this is an on going investigation no one has that information. Apparently It is the law. A representative of Bank of America guaranteed me that a breech from this merchant would not happen again. Of course that is a lie. The only way to prevent this happening again is to stop conducting business with this merchant. Problem is know one seems to know. When is this information provided to the consumer?? 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 explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX XXXX obtain a mortgage from Bank of America in which time. I was never on the loan but was on the deed. In XXXX, I filed for separation and was in the process of buying my own home and I was advise to have my name remove from the deed in which I did my legal representation. In XXXX, I purchase my own home no credit issue. Well, in XXXX, I pulled my credit report from all XXXX bureaus and to my SHOCK Bank of America added it to my credit file. After 14 years it just popped up there. I immediately called BOA and no one could explain but advise me to write to the XXXX in which I did. I sent documentation that XXXX XXXX had to send a authorization so I could speak on the loan back in XXXX. I also mailed payment coupon and correspondence with only his name. My name was forged to the document on XXXX when the payment coupon was mailed. Bank of America forged my name to the document. They have also viewed my credit but never did an inquiry so it shows that I never applied for credit with them. This is going over year now and finally it was deleted from XXXX and XXXX at this time but XXXX is reporting inaccurately. I applied for credit and was denied due to this forged information placed by Bank of America. Bank of America have since transferred this account. But I need for them to update XXXX. Also XXXX would not let you continue to disputed a item online. I read from one of your consumer letter that they had the same issue. Seems every company treat you however. I 'm just trying to resolve this issue that has cost me a denial at know fault of myself.

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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I went to XXXX in XXXX XXXX. XXXX location to be exact. After the for profit school manipulated me on getting a XXXX XXXX degree and promised employment soon after graduation. I shortly realized it was a lie. Now I 'm stuck with this huge federal loan, while all of the XXXX closed down due to a lawsuit. Now I 'm trying to plea with navient that my college closed down, and that the degree is useless / not creditable. They did not care at all and forced me to pay Make payment on my loan that has high interest. I need help to resolve this XXXX. I emailed my complaint to XXXXXXXXXXXX for help. Hopefully they can discharge my loan because my degree is worthless and because my for profit college lost a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. 
on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.

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 2016-04-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Set up for automatic payments in XXXX. Two payments were taken out. In XXXX no payments were taken and a late fee assessed. Contacted BofA and was told that it was not set up for automatic payments, so I did it again, but they refused to remove the late fee.

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: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is a addendum to complaint XXXX. I have sent XXXX everything they 've requested yet they continue to disseminate false information to my Credit Report. 

Please be advised if you do not remove this Tradeline from my Credit Report I will sue your company for violations under FCRA/FDCPA.

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 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Bank of America and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Bank of America was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: IL

Complaint narrative:
I originally borrowed $ XXXX to pay for my XXXX degree at XXXX University. I have made payments in the amount of $ XXXX but none of the payments have reflected in my principle balance. I had applied for a loan consolidation to see if I qualified for a lower monthly payment but I never approved the consolidation, I was waiting to see if the repayment options would be beneficial but they are not. Without approving the loan I know owe $ XXXX which is almost double my loan amount. The new terms of the loan call for me to make $ XXXX monthly payments for 30 years. That 's an insane amount of $ XXXX on a loan of $ XXXX that I 've already paid $ XXXX on. How do they get away with charging me 6 times my original loan amount?

Company response to consumer: Closed with explanation