vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.

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 2016-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Bank of America accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day BOA rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called BOA numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. BOA is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since BOA will not send me this copy of the check they have promised.

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 2016-12-07 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:
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with NAVIENT and XXXX because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, XXXX, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer NAVIENT. I 've never had any way of knowing that NAVIENT now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH XXXX, who I had been paying faithfully. Finally, XXXX lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Below is the text of the letter I sent to Bank of America. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXBank of AmericaXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Bank of America was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Bank of America 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15.

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

Complaint narrative:
I 'm currently finishing my XXXX XXXX enrolled full-time in an accredited university, and Navient has begun charging me for my XXXX loans. I 've explained to them that I am still in school and not working, and was told I could be put on an interest-payment only plan which would amount to around {$30.00} a month compared to {$150.00} a month. The next month, I was again charged the full amount and when I called them they said oh no I was not eligible for that plan. I pointed out that that was a direct contradiction to what I had been told the previous month. I was then told I do not qualify for any lower monthly payments but that I could apply for forbearance. I have tried to work with them, pointing out that I literally have no money coming in with which to pay them, but I was told I could either pay to put the loan in forbearance or I would have to pay the monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 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: AZ

Complaint narrative:
I set up payments with Navient, {$220.00} bank debit every two weeks and on set days on a set schedule. I was told to call 3 days or more ahead if a pmt date had to be changed. I called eight days ahead of XX/XX/XXXX to change the XX/XX/XXXX debit to XX/XX/XXXX and it took over an hour but eventually no problem, they said, we cancelled it and changed it to XX/XX/XXXX. But NO THEY DIDN't AND TODAY i WAKE UP TO {$220.00} GONE FROM MY CHECKING ACCOUNT and now my other bills are XXXX. Already they are demanding well over XXXX % of my income and they ca n't even debit honestly. I am REVOKING the privilege of automatic debit, they are not trustworthy. I need that money back and the pmt to be at the end of the month as THEY AGREED. I have been contacted by the AZ State Attorney General because they have too many AZ problems with Navient and they sought me out from my activity inside the CFPB website so clearly I am not alone. Of course I am cooperating fully with the AG and against Navient. I return calls to some guy XXXX XXXX ext XXXX but always a recording ... .always ... .Navient is not to be trusted

Company response to consumer: Closed with monetary relief
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: GA

Complaint narrative:
I was in a forbearance with Navient, and during that time, " late payments '' were still reported on my credit. This lowered my credit score tremendously! I received calls and email messages from Navient during the forbearance period to make a payment. I told them I was in a forbearance. The Navient representative told me that " not all '' of my loans were under a forbearance. I requested to have ALL of my loans consolidated so that various loans are not in different reporting stages. I never received the information to consolidate & they are still being reported as late. Navient is reporting several loans as missed or late payments on my credit. Also, the school that I had loans with is closed/ no longer an active school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 2016-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX is reporting inaccurate late payments on my credit file that is negatively impacting my scores.I have sent letters to Bank of america in XXXX and XXXX and they have yet to respond with a resolution. My payment history needs to be reviewed and corrected immediately!!

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 2016-06-18 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: LA

Complaint narrative:
I have XXXX student loans XXXX with XXXX and the other XXXX with XXXX XXXX. XXXX accounts were purchased by Navient. 
Once Navient had possession of the accounts they 've been incorrectly reporting me as delinquent numerous times when I was on deferment and forbearance. I asked them to provide proof of what theyre reporting or remove the incorrect items from my report and they refuse. I called them on XXXX XXXX and a young lady answered the phone and claimed that she would transfer me to the right department that could look further into it and every time she would disconnect the call.. After calling back twice after she conveniently disconnected the call a recording would then pick up instead saying that the the office was now closed for the day at XXXX in the afternoon. Theses people are ridiculous and frivolous.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Back in XXXX I was in forbearance and deferment all the way up until XXXX/XXXX/XXXX. I always had a job and was able to pay something back towards my loan. XXXX XXXX never offered me any income base repayment plan options. When I really started looking into my accounts I realized they charged my account XXXX dollars in interest. I called Navient to see if the could remove all the interest or at least half and they declined it. That 's when Navient offered the income base repayment plan XXXX/XXXX/XXXX. Currently I 'm on track making my monthly payments of XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I contacted the debtor to let them know that an attorney was handling the medical bills as a result of an accident. It took months to resolve but was eventually paid in full by the insurance company. The company continues to report negative information on my credit report and I have contacted them through the XXXX main XXXX and they have refused to remove.

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 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like the following information to be provided by my loan servicer, which is Bank of America : A copy of my Notice of Right of Cancel A copy of my Truth in Lending documents A copy of my Note My investor 's information as well as my investor 's modification criteria ( for example, how many modifications does my investor allow for the life of the loan ) If any of these documents are unable to be obtained, I request a full rescission of the loan. 
I applied for modification assistance, and have gotten nothing but notices over the last few months saying that I am being reviewed and I will receive a response within one or two weeks, ( the last was XXXX/XXXX/16 and stated next response will by XXXX/XXXX/16 ), but that final decision is never received. 
I demand to have a Customer Relations Manager who is able to review my loan for all options and have a decision with 30 days, which is a guideline that I know the bank already has in place, but for whatever reason they have failed to abide by. 

Thank you for your prompt attention to this matter.

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 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
UNAUTHORIZED THIRD-PARTY ACCOUNT ACCESS AND CONDUCT CONCERNS Bank of America has been providing my home loan mortgage account information to unauthorized third parties for years. During this time, XXXX the mortgage and service records associated with and related to my home loan mortgage account, the borrower Home Loan Modification Status iportal, the MHA HAMP, and the MHA HAMP TPP process have been mishandled, destroyed, withheld, and otherwise altered to my detriment. This conduct has been intentional on the part of Bank of America and is designed and implemented to coerce and harass through the use and employment of poor and deceptive practices as a matter of standard policy in and during the ordinary course of business with the intention to defraud borrowers of their home while violating written agreements including, but not limited to, the Deed of Trust. 
While Bank of America may hide behind the built-in, go to, standby, default excuse of individual representatives misconduct and their lack of knowledge and skills during and throughout any modification, workout, and loss mitigation processes, Bank of America has no excuses for allowing such conduct to continue and such open disregard for the various and applicable laws, regulations, guidelines, timelines, agreements and their own stated policies, procedures, and code of ethics ( assuming those ethics are in line with those regulated and governed by state and federal laws ). 
I have uploaded XXXX documents submitted with this complaint. I will submit at least XXXX additional documents to the CFPB under this complaint number once assigned later this date.

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 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I became aware of an outstanding debt I owe from 2011. I contacted the debt collector via certified mail and asked if they would settle at a lower amount or if they would accept monthly payments until debt was paid in full. I never heard back from them. I then, sent a certified letter to all XXXX credit bureaus asking if they could investigate this. I have never disputed that I owe, I actually acknowledged that I owe this but want to come to an agreement as to how to pay it. The response I got from the credit bureaus was simply that the debt was verified and that it did belong to me. When I ran my credit report at the XXXX it states on there that I dispute the debt but that the issue has been resolved. I do not know what the resolution is as I never heard back from the creditor. To this day I have not heard from the creditor and do not know what resolution it is they are referring to. I am in the process of buying a home and that is why I am trying to do the most I can to get this issue resolved.

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 2016-04-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.

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