vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a AAA Bank of America credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Bank of America.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: NY

Complaint narrative:
I used online chat to connect with Navient about 1 month before my final loan payment was die. The total loan was slightly more than my auto pay amount so I wanted to pay off the remainder. I was told 1 month before that auto pay was cancelled. On XX/XX/XXXX, I called to pay the full amount of my loan. I was told on the phone call that auto pay was not cancelled, although I was not notified. They would cancel auto pay for me then. I was also told that by calling to have customer service take my final payment, there would be a {$14.00} handling fee. This is completely ridiculous since the Navient web site is not user friendly to pay off loans or increase auto pay amounts. They kindly waived the handling fee for being a valued customer. ( eye-roll ) They took a payment by credit card of the remainder of the loan and was told auto pay on XXXX was cancelled. On XXXX, I called Navient again to confirm auto pay was cancelled for XXXX and they confirmed it was. 
On XXXX, I logged into my bank account and found that the remaining total of the loan was withdrawn as well as my usual auto pay amount of {$170.00}. Two payments were taken out of my account. I called Navient right away and while they apologized for the situation, they could only send the {$170.00} by check within 7-10 business days. They would not connect me to a supervisor or manager. So I went on XXXX and XXXX to recount the events. I got a reply to both with in minutes! It was there that I also found out about the lawsuit. The reply I got was to contact XXXXXXXXXXXX. Interesting that a loan company uses " socialmedia '' as their email address. I got a reply to my email and phone call saying that I would be reimbursed directly to my bank account within 2-4 business days. XX/XX/XXXX will be day 4 and I have not been reimbursed yet. I am hoping for the best but am not too positive after reading other people 's complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Sallie Mae ( XXXX ) has charged me far more interest than I agreed to when I took out the loan initially. Additionally, late fees are too high. 10 years after I graduated, my total amount owed is the same as the initial amount, even though I have paid over {$600.00} per month for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had duly verified the checking account, weeks ahead in time, for full balance payment every month, despite which the bank went ahead and applied late fee + interest charges of {$32.00} on purchases. On calling, they acknowledged that there was a system error in not activating the balance payment and reversed the late payment but declined to take away interest charge on purchases. I am disappointed that despite going through steps of verifying the checking account, I get charged with interest charges when it was their system intrinsically not activating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been denied for fraudulent charges on my Bank of America credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later.

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 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I applied for a mortgage loan to purchase a home. I got an approval from the lender subject to proving a home that I put in a bankruptcy 4 years ago has been removed from my name. Currently it still shows in title I am the owner. My lender XXXX told me I had to have the old home out of my name to get an FHA loan regardless if I put it in my chapter XXXX. I called Bank of America direct. They are the lender that had my loan on the home in my chapter XXXX. They told me that there records show the chapter XXXX and that I do n't owe anything on the home but it is still in my name. I asked them why they have not started the foreclosure since its been 4 years. They had no answer. I asked them if I could just sign a deed over to them and give them the house back. They said no. I asked them how to remove the home from my name and they told me I would have to sell it or wait for the foreclosure to be completed. I had my lender search records to see if Bank of American has done anything in the last 4 years. Title records show that Bank of America has done nothing to start the foreclosure process. My new lender said they can not give me a mortgage to purchase my new home because HUD requires my name off the old home. Due to Bank of America doing nothing, I am unable to purchase a new home for me and my family. I have done everything right by getting new credit, paying my bills, good credit scores and saving money. Now my lender, HUD and Bank of America can not come up with a solution to help me. How long can Bank of America tie up my name and ability to buy? Is there a way for HUD to see the problem is not mine and allow my new purchase?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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.
State: CA

Complaint narrative:
I graduated last 2007 granted with a XXXX XXXX at XXXX - online base in XXXX XXXX XXXX. I have been paying my loans and when it starts I was on my XXXX $ after 2-3 years my balance is still the same. 3 months ago I filed for defferment to this loan due to my work status changes to part time. This XXXX the repayment of the loan will start again and according the representative that I spoke with last time that I have exhausted my defferments and I can not reapply again and I have no choice but to pay my loan monthly. Please help me on what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The accoun manager at navient threaten to take away my car that is in my husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is not processing my requests for a copy of the promissory note for a student loan. 
I requested over the phone from XXXX XXXX ID Number XXXX that she send me a copy of the promissory note on XXXX XXXX, 2017. I called back later on XXXX XXXX, 2017 and talked with XXXX in the Office of Consumer Advocate. XXXX told me that the request I made on XXXX XXXX was not processed. So I asked XXXX over the phone to process a request for the promissory note on XXXX XXXX of 2017. I have not seen a copy of my promissory note from Navient yet in the mail. I called back on XXXX XXXX or XXXX and spoke with XXXX XXXX in the Office of the Consumer Advocate to see if that the promissory note request was processed in the computer and XXXX XXXX confirmed that the request had been made. I still have not seen my promissory note in the mail. I want a written explanation as to why Navient will not send me a copy of my promissory note to me. I hereby request through this complaint on XXXX XXXX that Navient send me a copy of my promissory note through certified mail. Thank you. If you do not honor the request made by phone on XXXX XXXX, then you need to send me an explanation as to why you will not honor that request. If you do not honor my request today XXXX XXXX XXXX, 2017 ) through this complaint filed with CFPB, then you need to send me an explanation as to why you will not honor this request for my promissory note. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: MS

Complaint narrative:
My private student loan account has recently gone into collections and I 've been set up on automatic withdrawals with XXXX of {$100.00} each month. Recently I 've had double payments withdrawn from my account over the period of three months. I called and it took several weeks to get this issue resolved and I did receive a refund of {$200.00} but now the issue has happened again. I spoke with XXXX at Navient Customer Advocate who helped to resolve the issue and assured that the double payment was a glitch and would n't happened again. Well it happened again this morning and I really need this resolved because it 's definitely against the {$100.00} agreement that I have with XXXX. I need this resolved and a refund immediately of my {$100.00}. If you can help please do, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior.

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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Was trying to make payments but they wanted more and I could n't afford it. So they suggested I put it in forbearance. I did n't want to do that so I was paying a little bit each month just to keep it on good standings on my credit. Go to look at my statements and none of my payments or anything have been applied to my account so where is my money. Get a email and they want to raise my payments even more. Your ca n't even tell me where my money has been posting if at all for the last 8 months. I took my bank card off my account so they ca n't take anything else out automatically until I figure out what 's going on with my account. I still do n't understand how I took out a XXXX loan back in XXXX being a single mom and everything and it has somehow gone to XXXX loans. I got XXXX paid off but XXXX more high ones. More than XXXX. This company and XXXX XXXX were robbing people. And refusing to work with them. People ca n't afford XXXX a month and you guys wanted to raise my payments I ca n't afford that but was willing to pay something and was paying it and it has n't even showneed up on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has me listed with XXXX for account fraud. I spoke to Bank of America and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.

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 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
They have violated a cease and desist order given to both collector and supervisor. They have failed to provide proof of obligation both to me and to the credit bureaus where dispute was filed. They contacted me via automatic dialer on XXXX XXXX, 2015 about XXXX AZ time about XXXX days after cease and desist was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Bank Of America refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Bank of America, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was " Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Bank of America in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Bank of America stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Bank of America 's customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 times.

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