vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I AM REPRESENTATIVE PAYEE FOR XXXX XXXX VETERANS AND HAVE DEPOSITED THEIR CHECKS IN MY NAME AND THEIRS IN MY BUSINESS ACCOUNT FOR OVER 15 YEARS. TODAY BANK OF AMERICA REFUSED TO DEPOSIT THEM UNLESS I OPENED A SEPARATE ACCOUNT IN MY NAME AND THEIRS. I WILL CONTACT SOCIAL SECURITY ABOUT AUTOMATIC DEPOSIT IN A PERSONAL ACCOUNT, BUT THE MANAGER XXXX XXXX WOULD NOT SHOW ME THEIR RULES AS TO WHY I COULD NOT DEPOSIT THESE CHECKS. I CONTACTED MY SISTER, XXXX XXXX XXXX ( WHO IS A BANK MANAGER AND HAS BEEN FOR 30 YEARS ) AND SHE SUGGESTED I TELL THE BANK TO CASH THE CHECKS AND THE BANK DID, BUT IT CHARGED ME A FEE TO CASH BOTH OF THESE CHECKS. THIS IS TARGETING VETERANS TO OPEN ACCOUNTS THEY DO NOT NEED OR TO CHARGE THEM A FEE.

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 2016-10-18 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:
Mislead into unrealistic payment/payback plans and high interest rate through XXXX XXXX XXXX also known as Navient. Also being constantly harassed by phone while being asked to meet unrealistic payments. Was even asked to take money out of 401k plan to make loan payments ... which I do n't even have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: VA

Complaint narrative:
Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. 
On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. 
Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. 
My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. 
I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: MD

Complaint narrative:
On XXXX XXXX, I sent the pay off amount for my two Federal load to Navient to the address they listed for Federal loans. The payment was never posted, even after the checks were cashed on or around XXXX XXXX. When I called - and was put on hold for nearly an hour - they said one of the checks they had, but they had no record of the second. I emailed after a week or so and just received notification that they payment was received and after a period of " aging '' typically 15-20 days then I will be issued a refund. They say the refund will take four to six weeks to receive. From when I mailed the check - and lost use of my funds - they are saying it will be 3 months before I have access to my money. During this time, I must continue to pay my loans - and the more than 4 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America continues to pursue Collections for a balance that was long ago reported as dispute : reason fraud. They are sending no reply emails to collect on account ending in XXXX, after first trying to Collect on account ending in XXXX ( not sure if that 's the exact lastXXXX because I shredded the card then was cut off from electronic statements. 

The reason for card re-issuance was the fraud on that number. After reporting that there should not be ANY balance on the card I was not using or receiving paper statements for, and receiving acknowledgement that this is clearly fraud, I suggested CLOSING the card for reason : Lost/Stolen and replacing it to prevent further fraud. 

The balance was verbally agreed to be in dispute, and I had to go to the Fidelity Service center to request they act on my behalf after nearly a week of not being able to get through to the department to be transferred to for fraud & disputes. XXXX made the call for me and was privy to the conversation. 

The vendor was changed because of their gross negligence, and the account was purchased as part of a collections portfolio, when it should have been a XXXX balance and off my credit report. In fact, the account was only reported delinquent AFTER I reported fraud, placed the balance in dispute and was reissued a new card. A week or more later I received a credit alert that I was delinquent. 

I am willing to email BoA and have in writing what is being communicated but they are only sending no-reply emails with demands to contact Collections, noting the time frame within which they require an item to be placed in dispute. I am not willing to place the item in dispute AGAIN and miss their imposed time frame. The balance continues to grow, along with my desire to expose their devious practices to every person on the face of the earth. 

This was supposed to be resolved a very long time ago, and was the result of not doing the most basic fraud detection and prevention that is the expected standard for a financial institution. I am not willing to get into their technicality trap of fine legal print because they are ignoring the original dispute. They should not be in the banking business to be perfectly honest. 

This is an addendum to complaint # 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 2015-11-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Follow up to Bank of America case of XXXX case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has caused to be recorded NOD XX/XX/XXXX on a Trust Deed that first became delinquent XX/XX/XXXX. Bank of America has offered no explanation of the seven year delay in starting the foreclosure process with the recording of a NOD or for resting upon their laurels regarding exercising the right to foreclose. 
Bank of America has provided me with a payment history detailing a total of twenty-six regular payments and XXXX corresponding miscellaneous adjustments between XX/XX/XXXX through XX/XX/XXXX, reflecting monthly installments applied from XX/XX/XXXX to XX/XX/XXXX, for a net total of twenty-four regular monthly installments made, accepted, and applied to the home loan mortgage account under the terms of the XX/XX/XXXX Deed of Trust that is now in active foreclosure.

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 2016-11-15 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: MD

Complaint narrative:
I have reached out to Navient to have the dispute and the dispute language removed from my credit report. I was advised that this could be done online by uploading the documents to the credit retraction department. I attempted to do so but could not find the credit retraction department in the drop down menu. I reached out to customer service again and learned that this a process that can ONLY be done mail and that department does not have a phone or fax number. I am in the process of securing a home loan and the underwriter will not approve my loan due the dispute appearing on my credit report. I am requesting for Navient to remove the dispute and the dispute language from my credit report. The dispute appears 3 times for each account. I have mailed a copy of my credit report as well as a signed and dated letter indicating I want the disute removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Bank of america debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My BOA credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel BOA was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. BOA should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.

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 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.

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 2016-12-21 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: SC

Complaint narrative:
My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.

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 2017-01-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Please see case number XXXX. I continue to get calls. I called and asked to speak to a supervisor and he said he could not help me unless I gave him my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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 was under the impression that during a forbearance period that my lender navient would not report my student loan to collections reporting agency causing my student loan to affect my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It is clear to me that I was scammed by people that knew well how to manipulate the system to their advantage. I tried to be very safe, asking the bank persons I spoke to each time to check that the repayments were all made as had been claimed before I sent any funds overseas. Not XXXX bank person ever warned me that the supposed payments could fail to be real at a later date, had I known that I would NEVER have proceeded. Furthermore I was also shocked that in general it is possible by any means to go so far beyond my credit limit- I imagined banks would have safeguards to prevent that too. That my name and a fake account in my name was used to 'pay ' these charges was also a fraudulent action. 
I have been a consumer using my credit carefully for many years, prior to this my FICO score was over XXXX, I never charged more than I could readily repay. These charges are now more than my pension or savings could possibly cover, like buying a house on charge cards. My retirement is clearly in jeopardy now and my life in general is also as I am so uncomfortable with this unresolved issue. I depended on bank employees for accurate information to operate safely, only to find the info they provided was not accurate but I am to be held accountable. 
I feel these debts in my name should be cleared and that better banking practices instituted to prevent scammers from abusing the system in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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: MN

Complaint narrative:
Since my children began paying back their student loans ( I am the borrower on a Parent Plus Loan ) we have had nothing but issue after issue with Navient. Every single month we 've had to call them to straighten out their messes. They misapply money from my daughter 's portion of the loans to my son 's and vice versa constantly even though they specifically request the loan numbers for the money to be applied to. They give us conflicting information about what information they can release and why or why they ca n't do certain things. I ca n't even request the notes that they 've put in my account without a subpoena according to them. This month my son 's money was applied to someone else 's account and then was told he had a huge late fee. Then they found the money but still demanded proof from XXXX. They NEVER process payments correctly. It 's maddening and, frankly, I believe it to be unethical and possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: AL

Complaint narrative:
My loans came due for repayment and I contacted my servicer to consolidate my loans so that I could make one payment to XXXX servicer. Logged in at nslds.ed.gov to get a run down of what I actually owed, $ XXXX completed the necessary application on XXXX/XXXX/2016 with FedLoan Servicing since I already had some of my loans with them. So finally on XXXX/XXXX/2016 they sent me notice that my consolidation was complete and that payment was due. I log in, excited to have it all in one place, and then HORROR! I now owe {$120000.00}. I called them immediately. The customer service representative had little explanation and quickly got me off the phone. While I understand that interest compounds daily on student loans, I do n't think the debt can grow by {$50000.00} in one month. I am not a math genius, but I 'm also not an XXXX. I logged back on to nslds.ed.gov to check what they show and they clearly show {$78000.00}. That sounds more logical. How and what can I do to make this nightmare go away. I already get sick each time I look at this debt but to think that I just got charged for graduate school without attending is a bit sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am currently a customers with XXXX, service that pays toll roads on your behalf. When my debit card had to be destroyed due to fraud they were unable to process my payment. They turned the debt over to Municipal Service Bureau, a private debt collection company. They issued me a bill and I paid it. They then issued me further bills after this payment. 

I disputed this payment both by their internal methods and by a certified letter saying that I did not understand these charges and that I believed that they were in the wrong to issue further late charges as a debt collection agency. I contacted them regarding this letter and was told they had no record of my debt. 

Later, I received another notice that payment was due. I told them that I would not pay the late fees, but offered to pay the original tolls. They would not accept this resolution and now have a total due for me of {$200.00}. The original tolls total : {$28.00}. 

I have made clear to them that I will not pay this and am now seeking other resolution options.

Company response to consumer: Closed with explanation