vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 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: NY

Complaint narrative:
Bank of America. I was told that when my home equity loan was paid in full it would be reported that there was no late payments. The 3 month payments that were reported as late was the time Bank of America took to mark my account PAID IN FULL. This should be removed from my credit report. The second Bank Of America is my loan modification in which I was making payments to Bank of America on a trial modification. Bank of America waas to remove from my credit report these lateness reports. I would also like this removed from my credit report. The XXXX report that is wrong is XXXX, this was reported wrong as being late. I cosigned a student loan and my step son is still going to school and the payment was suspended untill he graduates. They reported the XXXX payment in arrears even though I paid them on the phone.I never received a notice from XXXX about this lateness. I also need this report removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 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: HI

Complaint narrative:
NAVIENT Solutions Inc. has for the past 13 years steered me in the wrong direction to pay off my loan by telling me that I was not eligible for an income based repayment plan, but rather enrolled me in forbearance and deferment plans that include continued interest accumulation and late fees. Despite my continued efforts and attempts to inform them about my inability to pay, due to my low earnings and high cost of living, they continue to harass me by repeatedly calling my work place and leaving messages with the administrative staff, and sending me threating letters. When I attempted to lower my loan via a XXXX Loan Forgiveness Incentive, they have denied it despite my being eligible and submitting all the paperwork and proof of eligibility as requested by them through Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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 applied for a recertification of my IBR plan XX/XX/2016, I applied via the Studentloans.gov website, and my spouse also completed their portion of my IBR application. On the same website I applied for the direct loan consolidation via Navient as a servicer. Navient received my direct loan consolidation application but denies receiving my IBR recertification, they were submitted together and have the same application reference. Studentloans.gov has confirmed delivery of my application referenced in my confirmation emails. Navient, will not allow me to dispute their denial of application receipt, and studentloans.gov says they do n't have any further information to help my case. If I call Studentloans.gov they tell me to contact navient, and vise versa, neither will place me on administrative forbearance while this administrative issue is figured out. I submitted my paperwork and application as required by law, I qualify for IBR as does my spouse ( who has been approved - applied around the same time ( recert ) ). I have emails, and confirmation that my application was submitted. 

Application reference for DCL app and IBR app : XXXX, if i open the document with the IBR application I get reference number XXXX ... What appears to have happened is an error, at least on the part of Studentloans.gov. It looks like their application submission system did not send out XXXX separate applications. I have both forms completed ( as submitted - I downloaded today from their website ), they have XXXX different reference numbers. Navient claims they only got XXXX of the XXXX applications. Either way, they are saying they can not help me until I agree to accept the terms of forbearance ( fees, interest, and deduction of time allowed to defer ). I believe these affected loans should be on administrative forbearance until this matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: NC

Complaint narrative:
I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I have had a credit card account with Bank of America for a number of years. Every month we pay the balance in full, and on time. 
This credit card account accumulates cash rewards. If the cash reward is redeemed and applied to a Bank of America account, there is a 25 % bonus added to the redeemed amount. 
On or about XXXX XXXX, 2015 I signed into the account online to redeem the cash rewards, which at that time was {$610.00}. My intent was to apply it to a Bank of America account, qualifying us for the 25 % bonus, for a total of {$760.00}. 
The online system would not allow me to do the redemption. 
I later learned that Bank of America had closed our account that day. They would not give us the reason for closing the account, but I assure you that Bank of America can not say that we had done anything wrong to warrant the closure of the account. 
I called the bank four times since, and they have refused to give us the rewards that we earned by using their credit card. They say that because the account is closed that we are no longer entitled to the rewards. 
Basically, Bank of America is depriving us of the rewards that we earned by using their card. We did n't have to use their card, we chose to do so because of the rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 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: CA

Complaint narrative:
Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 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: IL

Complaint narrative:
I am paying my Navient student loan on the first or second day of the billing cycle but the amount that gets applied to principal/Interest makes no sense whatsoever. 
XX/XX/2017, Payment, - {$400.00} ( Principal ), - {$390.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$320.00} ( Principal ), - {$460.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$810.00} ( Principal ), - {$180.00} ( interest ), Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have had a bank account with Bank of America and their predecessors for more than 40 years. My bank account does not reflect electronic funds in the amount of {$440.00} which was supposed to be directly directly deposited in my checking account. I will attach email sent to me by XXXX announcing such payments by XX/XX/2017 but no money ever appeared in my bank account. I will also attached picture of activities in my Bank of America account for you to verify that no money ever appeared as announced in the attached email. 
I have already emailed XXXX to further investigate this matter at their end but I believe is Bank of America ' illicit behavior what has been causing me loss of my money and credit worthiness. They have acted without any supervision or accountability for mistreating and taking advantage of consumers. 
I had a similar problem with Bank of America last year when I filed a complaint against them and I am still waiting to receive an answer. 

I hope you enforce the law in organizations defrauding people like me that I am a provider being pushed into bankruptcy due in part to Bank of America. They are have continued disposing of my money illegally. 
The Individual appointed by the bank to do the investigation from the complaint filed last year never returns my phone calls or responds to my request to set up a phone appointment. She knows full well I am a provider and ca n't answer phone calls while providing care. 
Bank of America 's negligent and dismissive response to my previous complaint when funds were not paid as scheduled and future payments, not scheduled by me replaced, the one never sent to XXXX. I am currently paying 26 % in interest as a result of this matter. Bank of America 's behavior demonstrates inability to ensure the security of consumers hard earned money. This is serious enough to render them ineligible to perform their duties. 

I appreciate all the interest you put to my case. The amount of financial problems associated with Bank of America unaccountability and unresponsiveness are too long to describe here. 
Please advise me on the best course of action. 
You can publish my case but not my name or account number. I believe it may cause me additional consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
They keep making attempts to get ahold of me by different methods even though my debt is current with the original account holder. They call my personal number at least once a day and have called up to five times in one day. They have called family members even though I have never given them the right or even the information of that family member fishing for my information and saying that I am in default on a loan that is current. They call my job without permission and I have never given them the information for my work. They called my work number XXXX times in one day on a day that I was not working fishing for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I see on my credit report that I have approx 18 months of 120 days on my mortgage loan. I was divorced XX/XX/XXXX, and the house was awarded to my husband. He moved in XX/XX/XXXX and never paid another payment. The house was sold approx 2.5 yrs ago and the back payments were settled by the proceeds of the sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC
State: UT

Complaint narrative:
Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a Bank of America- Visa Credit Card XXXX This card had a balance of {$2800.00} in XXXX XXXX. Because I was going to be traveling for 6 months into XXXX on XXXX XXXX, XXXX, I requested the monthly Visa payments be automatically deducted from my checking account which is also with Bank of America. I completed the automatic payment request with XXXX, at the XXXX XXXX XXXX of Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, Az XXXX. XXXX assured me that it was all set up with the payment arrangement of {$100.00} to be deducted automatically every month. We confirmed this with the Credit Card Department which received the information that same day XXXX/XXXX/XXXX. Keep in mind I was traveling -- Bank of America mailed me a letter dated XXXX XXXX, XXXX stating they were unable to deduct my monthly payment because the credit card account has a closed status. So, for 6 months the payment was not automatically charged as agreed -- -and I became delinquent on the Visa account. {$35.00} late charges for 6 months, along with more interest due to the balance going up each month. When I returned to the States, on XXXX XXXX, XXXX I read the letter that stated they were unable to charge my account automatically -- -I had not had my correspondence forwarded since I was traveling. How was I to know that the original arrangement was not followed through by Bank of America. Here is the kicker -- -when I returned I called Bank of America to see what could be done with the delinquent amount and if the late charges and any interest charged due to their inaccurate information the payments were not made. So, I called the collection department and spoke to a young lady named, XXXX XXXX, she stated she could submit an order to get the late charges reversed and refunded to the account but the account needed to be at a Current Paid Status -- I paid the amount past due of {$640.00}. to bring the account current. Once the payment of {$640.00} was processed and had gone through, she then retracted her statement saying she could NOT reverse the late charges because I had been past due in the past. What a joke this was on me -- made the payment and then once again, fraudulently, advised. One important statement she did make was that it does not matter whether an account status is open or closed the payments should be able to be paid automatically as originally was to be done. Please help, I am a XXXX year old, lady with a financial hardship due to illness and then for this to happen is not very professional on the part of Bank of America. Fraud on their part to take a consumer for more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told in XX/XX/XXXX that i was eligible for an " auto pay '' program and as a result my next payment would n't be due until XX/XX/XXXX, so I made plans with the extra money in XX/XX/XXXX. I spent some and put some into savings. XX/XX/XXXX I got a call from Navient in which they informed me that they made a mistake and that I was n't eligible for the " auto pay '' and, as a result my payment is now past due and I owe for XX/XX/XXXX. I now have to take money out of savings to cover the mistake. 
I do not trust these people to be handling my debt responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
We filed our Chapter XXXX bankruptcy in Iowa in XXXX, it was granted effective XXXX XXXX. It was discharged in XXXX. Our mortgage company at that time, Bank of America, held XXXX mortgages. Both were filed with the bankruptcy filings. We received paperwork on XXXX mortgage, but not the other. I called BofA to inquire and they said only that no further money was due on the second mortgage. We proceeded with the filing, leaving the second mortgage amount listed. Although we did not discover this until much later, in XXXX of XXXX an " Insurance Company '' filed a lien on our property for the original amount of the second mortgage, almost twice as much as the amount I had contacted BofA about. We had never heard of the Insurance Company. I tried to contact the Insurance Company, sending XXXX or XXXX ( ca n't remember ) letters and calling on several occasions, but was never able to connect with anyone either by letter or phone, getting no return mail or telephone calls, even though I left several messages. 
We first learned of the lien after the bankruptcy was discharged, when we tried to get a mortgage on our home in order to do some necessary repair and major maintenance work. Due to the presence of this lien, which we knew nothing about, we were unable to get a loan of any kind. They have never contacted us or tried to collect, except once, after receiving notice from the court that the bankruptcy was discharged. They apparently contacted Bank of America first, and were told contact us, asking us to tell Bank of America to send them any money that BofA had collected during the bankruptcy that belonged to them. I did so, apparently BofA did send them a check. During my conversation with BofA, I learned that BofA had purchased " mortgage insurance '' from this Insurance Company, and the Insurance Company had paid off the loan to BofA, which was why it showed that nothing was owed to BofA on the second mortgage. 
I think this entire exchange was underhanded and possibly illegal. We were not told the loan was sold. Can you help us to clear our title of this lien? Thanks for any help you can give.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
it is the same complaint, againnothing ever gets done with Bank of AmericaI get a run around, and always gets sent a large service call centerI am told I am talking to the office of the president of Bank of Americathis is not true, it is a call centerI am told one person is handling my issues, that is not trueIt is the same run around time after timeI need real help. 

Bank of America does not want to resolve any issuesPlease get me to someone who actually can do what they say and is actually in authorityNot an underlings from a call center who has the purpose to stall delay and not do anything to helpXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-01 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: DC

Complaint narrative:
This complaint is about a Navient practice. I have contacted Navient directly and was told that my individual problem would be resolved, but the larger practice needs to be stopped. I have been making the same automatic debit payment for several years on my student loans. This month, my statement said the amount due was {$300.00} less than it normally is. I was given no notice of this change, and I did not request this change. If I had not been paying attention, I would have started making smaller payments, therefore owing Navient much more over time. When I contacted them, they said " the system '' automatically recalculated my debit payments. Now that I am getting close to paying off my loans, the system calculates payments to keep me paying longer and therefore owing more interest on more payments? With no notice? This is an extremely deceitful practice. My personal situation should be remedied for the next month ( but only after having a month where I could n't change it, even if I can make my own additional payments ). Consumers need to know that this is happening and to pay attention to their statements. I also do not understand how this can be done without my consent and without notice that it was happening. It feels like a trick to get borrowers to owe more by quietly changing automatic payments that borrowers are n't thinking about because they are automatic. Luckily, I always check statements and review my bank account.

Company response to consumer: Closed with explanation