vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My daughter is an authorized user on my Bank of America credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a XXXX basis point increase in her refinance rate ( which will cost app {$50000.00} over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: MO

Complaint narrative:
I would like to know how to go about sueing Sallie Mae or some kind of referal I have tried to contact several attorneys and just get run around. Sallie mae forced me into a bancrupcy because they would not work with my payment which instantly ruind my credit for 7 years. I got no relif from bancrupcy after bancrupcy payment was same I had to let loans get charged off to get any help with lower payment after charged off I came to an agreement of {$250.00} payment for rest of my life they said. But after 3 months in they renigged on the agreement with no answer as to how they can take back an agreement they agreed to do for me. Now my credit is not only ruined for 7 years it ruined rest my life till pd of because will report negative till pd off so my credit is XXXX for rest of my life which has impacted my XXXX XXXX. A {$60000.00} original loan has accrued to over {$160000.00} that apparently I didnt even qualify for they knew they were getting me into this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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: OH

Complaint narrative:
I am showing as XX/XX/XXXX and XX/XX/XXXX. If I was in a bankruptcy XX/XX/XXXX to XXXX XXXX I should have not been reported. Navient is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

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

Complaint narrative:
We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Bank of America. Bank of America 's investigation consisted of calling the thieves only. We had a call scheduled with BoA that XXXX was on with. BoA never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and BoA refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of BoA 's incompetence and cruelty.

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 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We signed online to Bank of America billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Bank of America cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Bank of America will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Bank of America refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Bank of America will not. The apartment is in XXXX NC and our bank account with Bank of America is in NC. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I requested the name of my original investor, a copy of the wet note, and the legal status of my account in XXXX of 2015. I never received this. In XXXX, the " servicer '' filed a claim against my home in a bankruptcy proceeding although I 'd never missed a payment. I filed the BK XXXX for other reasons. The " servicer '' has still not complied with my request, so how can they legally file a claim when they cant even show proper chain of title, or refuse to do so? Second issue is that they raised my Escrow, alleging an Escrow shortage. By their own admission, there IS no shortage, but for some reason, the Escrow Department has n't relayed this to the rest of the departments, like the department that processes payments. The servicer refused to post my payment unless I included the additional ( and incorrect XXXX Escrow, which makes paying my other household bills even more challenging. I cant afford to pay something that I do n't owe, and by raising my Escrow {$100.00} MORE than what it should be, it is putting me in a tight bind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my wallet and cell phone were stolen at a party, i never find them and notcie the bank totally closed my account i had XXXX of dollars in there. i get a letter in the mall of a fraudulent account statment of someone taking all my money out of the bank and not XXXX person at bank of america will tell me anything they pretend i never exsisted and they send me to a XXXX. im so XXXX i need your help thank you.

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 2016-07-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been trying to get a loan modification with Bank of America for the last 3 years, since 2013, and every time they request for paper documents, I have sent on time and I think that 's it, Bank of America is going to start to review my case. But instead they send me a letter stating " We are no longer actively reviewing your application for loan assistance because we did not receive the requested documents. '' I have copies of the documents I sent and I also send the documents through registered mail and I am able to track it. When I mention this to Bank of America, they just claim that they did not receive it and to re-apply. I need to get a loan modification or else I will go bankrupt. What can I do to stop Bank of America to continually just claim, '' We did not receive the documents, please re-apply again ''. I need help. Thank You

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 2016-01-17 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: NV

Complaint narrative:
This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Bank of America I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a home equity line of credit from my bank. During the review process there were some missed mortgage payments. I explained to the loan processor that my wife had passed away and automatic payments drawn from our accounts were stopped upon her death. I told them that I was unaware of this due to circumstances related to bereavement. 
The amount of money that I make annually is adequate and is going to be enough not to exceed service to income debt, but what is most is most important is that I do n't owe money except vacation property that is over XXXX more in equity value than when I purchased it.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX / bank of america Issued a check to my loan with XXXX without my authority and will not recover it from the loan. Many many calls and hours on the phone with no results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Began receiving repeated calls without identifying self and I learned from online search company is a debt collector whom I have had no previous business-letter-phone contact whatsoever?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: NC

Complaint narrative:
I signed for a student loan, for my son, through Navient and the terms were deceptive. I was led to believe that the loan was a simple 3.75 % interest and Navient is claimiming that it 's a variable interest loan compounded daily. 
On an {$1800.00}. Loan i will be paying XXXX. + dollars. This to me is a predatory interest rate! 
No wonder our children need our help & feel so cynical about their futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: CO

Complaint narrative:
in 2008 we had a stock portfolio with Bank of America and a financial advisor from the bank as the portfolio had over {$800000.00} in it. When the market was crashing I was told that a claws in the contract said if the funds drop below {$500000.00} the stocks would need to be restructured and sold. Our Adviser waited until the stocks had fell below {$250000.00} costing us over {$250000.00} dollars. I never filled a complaint because I felt I couldm't win against a big bank. But they stole {$250000.00} of our money by not calling us in time. I was fored to sell in a down market, is there anything I can do to recover what Bnak of America stole from us? 
Thank you, 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 2017-01-20 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: CO

Complaint narrative:
I have been repaying my federal student loans since 2009 and was told I earn interest everyday and none of my monthly payments go to the principal just to the daily accruing interest. I owe as much now as I did in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
XXXX ( hereinafter " XXXX '' ) stated that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( open " XXXX Attachment '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX, which was recorded in the EXECUTIVE BRANCH OFFICE OF THE FEDERAL STATE OF HAWAI'I 'S BUREAU OF CONVEYANCES as Document Number XXXX. ( open " XXXX Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its loan to COUNTRYWIDE HOME LOANS, INC. ( hereinafter " CWHL '' ). ( open " XXXX and XXXX Attachments '' ). BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ) hired XXXX, HI, XXXX, XXXX, to fabricate two " ASSIGNMENT OF MORTGAGES '', dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, from BANA to BANA. ( open " XXXX and XXXX Attachments '' ). CWHL ships a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX, with a Notice Date of XXXX XXXX, XXXX, stating that the Loan was transferred from XXXX ( hereinafter " XXXX '' ) to BOFA MERRILL LYNCH ASSET HOLDINGS, INC., on XXXX XXXX, XXXX. ( open " XXXX and XXXX Attachments '' ). BANA fabricates another Notice by now claiming to be the Creditor on behalf of BOFA MERRILL LYNCH ASSET HOLDINGS, INC., with a Notice Date of XXXX XXXX, XXXX ( open " XXXX Attachment '' ), without shipping a new and updated " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' to the XXXX Attorney FULFILLING THE LAW CENTER ( hereinafter " XXXX '' ), between the dates of XXXX XXXX, XXXX until today dated XXXX XXXX, XXXX. This reveals and uncovers that the left hand does not know what the right hand is doing. BANA assigns an " ASSIGNMENT OF MORTGAGE '' to itself, and then places itself in another " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' from FANNIE MAE to BOFA MERRILL LYNCH ASSET HOLDINGS, INC.

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 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is regarding case # XXXX. I have tried to dispute Bank of Americas answer but the system wo n't let me submit my response. 
I have had it with this company! My bank statements clearly show that I have paid my mortgage every month on time! XXXX was paid! We were instructed by our account rep. XXXX XXXX in the XXXX time frame that we were approved for a trial modification and our first payment would be XX/XX/2015. We completed this modification and this did not change my interest rate in any way! A giant waste of time! We were told that our account was now current and in good standing! 
Last week I was denied a refinance at my bank! The mortgage officer showed me a print out of my credit report that showed BOA listed me as delinquent for XXXX, 2015. This was our trial mod. period. This is another demonstration of how BOA holds their customers hostage in such a way that one can never escape and is forced to stay in their high interest mortgages. These tactics are well documented in past court litigations. 
I paid this months mortgage on XXXX XXXX before the grace period due to an out of town commitment, I 'll bet that shows up as late or I get a fee attached. This has been going on for several years now. All attempts to refinance have been delayed, lost documents, switched account reps and a number of other excuses to keep my family anchored to their high interest mortgage and incompetent service! If something is not done I will have no alternative but to obtain a lawyer a file suit. The damage this has done to my family is cruel and unjust!!! 
I want BOA to CLEAR MY CREDIT REPORT AND PROVIDE A DOCUMENT EXPLAINING THIS SO I CAN REFINANCE ELSEWHERE!!!!! Also BOA attached {$1800.00} to my principal saying it was overdue interest. INTEREST ON WHAT? Itemize and explain this fee! overdue interest tells me nothing!!! They have the power to contact me and inform me of any issues, but choose not to. This is how they operate and imprison their customers. 
I WANT OUT NOW!!!! BOA resolve this and let my family go!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Bank of America was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Bank of America until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Bank of America is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Bank of America will not answer our calls or provide any assistance in our dispute of their new findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Bank of America ( " BoA '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, BoA reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, BoA has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, BoA has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, BoA uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation