vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 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: CA

Complaint narrative:
On XXXX XXXX, 2015 we visited Bank of America Branch in XXXX, CA. 
I wanted to access my safety deposit box. 
For 45 minutes the clerk " XXXX XXXX '' was unable to locate my safety deposit box. Although the week before I was at the same branch where I had retrieved the documents from the safety deposit box but on that day I was planning to return it. 
Then the manager named " XXXX XXXX '' approached us. She was very abrasive and rude. My XXXX year old son was getting upset and crying. I asked XXXX XXXX to lower her voice and be polite. She was not been polite and continued her abrasiveness and aggressive behavior towards us. 
She even claimed I have no safety deposit box. 
Then after an hour they found my deposit box which they admitted they had written all my information wrong. 
I did file a complaint right there and did let them know that their unprofessional behavior is not acceptable. 
Their incompetence caused my son and myself a great deal of stress and discomfort. 
She said contact their Area manager. I called XXXX XXXX XXXX numerous times. he never returned my call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 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: OR

Complaint narrative:
I went to the XXXX XXXX and because I got an XXXX degree and is not a XXXX degree from an accredited XXXX year college I ca n't find a bank to refinance my private student loans. I have XXXX private loans which range from XXXX, XXXX, and XXXX interest rate. It has been XXXX years since I graduated and because of financial hardship a few years back, most of the loan principle balances are more than I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I ordered and obtained a {$500.00} secured credit through Bank of America to help bring my credit score up. My first minimum payment of {$25.00} was due on XXXX. I paid {$250.00} towards my balance on XXXX. The standard processing and posting time for a payment is two business days. I went to use my card at the grocery store today and it was declined. I called BofA and was told my available credit was {$1.00}. The rep informed me that the payment was received but has not been posted. She had no answer as to why this was. I then spoke with a supervisor who also had no concrete answer as to why the payment has not posted. My concerns are as follows:1. I did my part and paid my bill on time and I should be able to use my card. It is highly embarrassing and inconvenient to be told your card is declined when in actuality it should n't be. 

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 

Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have had a XXXX Credit Card for a couple of years and up until last month looked at balance etc online each month. This month I was unable to access it, Rang the XXXX and they said it was now MBNA - all they could give me was a phone number no other information. I rang the number and got an automated voice who could n't put me through to anyone to talk about it. I have NOT been notified of this change, I do n't know if my monthly payment has been made, what my balance is or how to access the information. I am totally at a loss as to what to do as I am unable to speak to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My business account was closed by Bank Of America without warning and without explanation. I have funds in that account that I do not have access to and very desperately need. Called and they said they can close it whenever they want and do not need to give me a reason as to why.

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 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I originally owed XXXX over XXXX dollars for a wireless phone acct. I was called by Diversified Consultants and offered a settlement in the amount of XXXX to be paid over 6 months. I fulfilled XXXX of the settlement amt. Before the last two payments could be automatically drafted from my checking acct, XXXX recalled the acct from DCI and it was placed with another collection agency again demanding a new settlement arrangement. I was told by DCI that they originally knew that their arrangement would not be allowed to be played out since all of the accts get recalled at month 5, so if someone makes a 6 month payment arrangment on a settlement amt then the arrangement will never be fulfilled since the acct will be recalled prior to the arrangments being satisfied in full. This sounds like fraudulent and deceptive practices on the part of the collection agency and the original creditor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry conducted by BANK OF AMERICA on XXXX/XXXX/2016. I did not authorize any employee of BOA to review my report for any purpose at any time. Further I personally contacted BOA and requested to be provided any signed written document on my part authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my civil rights under FCRA and PRIVACT RIGHTS. As a direct result I have continued to suffer irreparable economic loss, including but not limited to inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BOA staff.

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 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
When I was released from the hospital, I had the hospital to consolidate all of my medical bills into XXXX so I can make monthly payments. XXXX was accidently left out by the hospital and sent for collections to XXXX. In XXXX of 2015, I contacted the agency and explained the situation and they agreed to completely remove from credit report once it was paid. I immediately paid over the phone. I recently checked my credit report and it is still on there. The hospital removed it because it was an error and now the collections agency is unwilling to remove it because they said " the rep that I spoke to did not note it. '' I can not help that the representative did not do their job. I kept my word and paid the balance, I would like for them to keep their word. I have called twice to speak to manager and each time the manager has refused to speak to me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: FL

Complaint narrative:
I have a health savings account ( HSA ) with Bank of America. On XXXX, I placed a trade in my investment account associated with the HSA. Per Bank of America disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying " Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: OH

Complaint narrative:
i have multiple loans all combined down into two payments. Navient has misapplied funds, stated that they could n't find the bank account for autopsy, locked me out the internet site. With combined loans it 's hard for me to miss 9 payments on one loan and 2 payments on another loan. They are all paid at the same time I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: MS

Complaint narrative:
I am in private student loan default with Navient ( formerly XXXX XXXX ). These are loans taken in XX/XX/XXXX and XX/XX/XXXX. While I was pursuing a XXXX they were happy to keep deferring my loans. I did n't know what that meant for interest and now owe them more than XXXX the actual amount I borrowed ( current amount is now over XXXX and it grows larger each day ). They are demanding payments that are too large for me to make each month as XXXX ( {$1100.00} ) but wo n't work with me to set up reasonable plan and wo n't let me send a lesser amount to show good faith. They call in excess of XXXX times a day. When I talk to a rep I am insulted and threatened ( losing my XXXX, sheriff coming to my house to arrest me, asking if I enjoy collecting degrees and not paying my debt, asking why I 'd get a XXXX if I was just as XXXX, etc ). I know I owe them money, but are they allowed to call so often or to insult me and lie to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I do not understand and I have asked the company to talk to my aunt on my behalf and they refuse and the payments that they are setting are to high. I am not working at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: AR

Complaint narrative:
I have filed a borrower 's defense application against XXXX. Navient oversees my private loans that are apart of this borrower 's defense loan. In addition, within the past year Navient has, without a reasonable amount of notice, increased my monthly payments from XXXX to XXXX dollars a month. I am constantly having to put my loans in forbearance and save up for the XXXX dollar payment, meanwhile they are reaping the benefits of their high interest charges on two separate loans of 9.5 % and 11.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been using Navient for my biggest student loan payment some they bought mine from XXXX, over the course of 2 and have years as, I have pleaded for a reduced payment to lighten the burden of my payments Navient on several occasions declined lowering my payments. And did. It offer income driven, and they encouraged a military forbearance due to my XXXX status. And due to financial strain with no other offers I was encouraged to use this option becaus. I thing else was offered and it was pay or forebareance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NV

Complaint narrative:
While working to get a repayment plan to bring the loan current or get a modification XXXX loans did not respond to request, sent letter that had expiration dates to offers for repayment plans weeks after they were due and failed to approve or deny a loan modification I requests twice. While working to prevent a foreclosure they continued to file documents to proceed with the foreclosure and falsified those documents stating they had no communication with me. 
They then sold the loan to Selene Finance who filed for a foreclosure auction on my property. After contacting them I asked to get a repayment plan and requested a modification. The next call to them the agent stated that the requests were never sent from the previous agent and they would check why. This agent stated that I could download the documents from their website and fax them to them. After talking with them today XX/XX/2016 I was not informed if there was repayment plan approved or denied. I was told that they would most likely not be able to process the modification because of the lack of time. I informed them of the previous forms submitted to XXXX loans and that there was a modification which was not approved or denied and was told they do not care what the previous company did. This is the third time I informed them that the process leading to this point was not carried out properly and all three times I was told by XXXX different agents that they do not care what XXXX Loans did. I believe that they are being negligent and purposely making the process difficult. They have no intention of following the law and despite me informing them of the issues they continue to proceed with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received 96 month fixed term loan from Bank of America. Made XXXX payment XX/XX/XXXX. Made last payment XX/XX/XXXX. I have made XXXX consecutive payments of amount due and have not missed XXXX payment. I have paid more than amount due totaling {$990.00} and overpaid by XXXX payment ( {$440.00} XXXX. B of A says I still owe them {$6500.00}. How can I owe them, if I followed terms of loan? I wrote them back XX/XX/XXXX and letter came back undeliverable. I was concerned then that my balance was not going down. I filed complaint with you and received response from B of A XX/XX/XXXX. Letter said fixed term loan for 96 months. I do not owe them and I do n't want them to ruin my credit. If anything they owe me for overpayments I made. How can I get this corrected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America states in complaint # XXXX, " Our records show the account was current and due for XXXX XXXX at the XXXX Bank of America acquired XXXX. '' This is 100 % incorrect. Also, IF the following is true : " Further investigation has concluded that at the time of the XX/XX/2011 transfer to XXXX, .... '', there SHOULD BE A RECORD of " Assignment of Mortgage '' between Bank of America and XXXX. The two documents provided to me by XXXX, PA Recorder of Deeds, in regards to the account in question, are the original assignment ( # XXXX ), which is under the name XXXX Bank, and was never transferred into the name of Bank of America. Also, the Satisfaction of Mortgage ( # XXXX ), is listed as " Bank of America , NA S B M TO XXXX ''. There is NO MENTION of XXXX, in any of the above-mentioned documents. Therefore, since this mortgage was never properly transferred, this deems this mortgage as invalid. Also, I do recall during the application process, I met with XXXX, and XXXX. They got the property value online, and stated I had approximately {$53000.00} in equity. I informed the Personal Bankers, I only needed {$10000.00}, to make home improvements. Upon closing, I was informed due to the XXXX/Bank of America merger ( acquisition ), signing new documents, to switch the loan to a second mortgage, instead of a Home Equity Loan, would allow the funds to be dispersed more expeditiously. Had I had known the original Home Equity Loan would have been dispersed in the same manner of time as a second mortgage, I would have requested to leave the paperwork " as-is ''. I am certain Bank of America has the ability to verify the employment of the 2 employees I mentioned. The branch was located at XXXX PA. Zip Code 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 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Filaport Acquisitions
State: TX

Complaint narrative:
Yorkshire Acquisition Group has been harrassing me via phone and they have harrassed my work, my father, and my husband. They refuse to tell me what they are collecting for and what the amount is. They have claimed they will get me fired from my job, take my XXXX licenses away, and also sure me for harassment. XXXX XXXX has been pretending that he is an attorney who will be suing me and taking it to my place of employment. Also, he would not give me is address so I could send a cease and desist letter nor have they sent anything in writing telling me what the collection is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: PA

Complaint narrative:
I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called XXXX XXXX, and Navient, and XXXX XXXX, and Navient again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoke to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though XXXX XXXX and Navient have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: NM

Complaint narrative:
I have started receiving repeated phone calls, and the caller leaves a message stating that they are a debt collector and that I must call them at XXXX. I have never received any written communication from this company.

Company response to consumer: Closed