vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have XXXX promotional balance transfers on this account, but in the " Interest Charge Calculation '' section, where it reflects the APR ( all 0 % ) and end date of each transfer, there is no balance in the column " Balance Subject to Interest Rate, '' even though there is a balance on the card. I think this amounts to unfair credit practices, and prevents the consumer from being able to accurately track where payments are being applied/having a paper-trail reflecting this information. It also prevents a consumer from being able to know the balance that needs to be paid off before the promotion expires - without making a phone call to the bank to get the information. Therefore, the bank is setting up a situation where a consumer could unknowingly let a promotion expire without having paid off the related balance and then be charged interest on the remaining balance after expiration. It also prevents proper planning on the part of the consumer to ensure that the balance is paid before expiration of the promotion. 

The bank has also, in the past ( XXXX 2015 ), charged me a minimum interest charge ( related to a membership fee ) - but never reflected the amount of that membership fee as an amount subject to interest. This prevents the consumer from having an accurate picture of his financial situation, and means the interest will continue to accrue because the consumer can not see the balance subject to interest that would need to be paid off in order to avoid interest.

Company public response: Company 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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
PLEASE REVIEW MY DECLARATION PARTS 1 AND 2 THAT SUPPORT ALL THE WRONG DOING BY THE BANKS AND THEIR ATTORNEY 'S. 
We Rescinded our Mortgage in XXXX twice and once in XXXX. US Bank has ignored the notice of rescission 's. Also their has been extreme ROBO signing confirmed by XXXX courts against the banks in an their efforts to take possession of our property. The courts ruled in XXXX in our favor vacating a Summary Judgment Order finding that there was no valid Substitiution of Trustee Presented to the Court. 
Again in XXXX the Court issued a Judgment in favor of the defendants in the XXXX Unlawful Detainer file by the Bank. 
Pending now for trial is yet a XXXX Unlawful Detainer Complaint filed by the Bank set to go to trial on XXXX XXXX, XXXX. 
I URGE YOUR IMMEDIATE ATTENTION, PLEASE.

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 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX.

Company public response: Company 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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hello I attended XXXX in XXXX Florida for XXXX XXXX years. While attending school I received student loans and a few pell grants. I was told that as long as I was attending school my loans were not due and no interest would be added. After graduation and trying to find a job in my field I started getting letters stating I was behind in my payments. I tried on numerous occasions to call and get help with this matter. I asked could they defer my payments and I was told yes only later to find out that did n't happen and the interest was getting higher. I have called and called over the last few years to only get told there 's nothing to be done. This is not right and I will continue to call and seek justice because I have did all I know to do to try and fix this issue. I wil continue sending in complaints and calling until this matter is resolved. I asked about income based repayment and was denied because I did n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XXXX 2014 I requested a complete history of all payments I have made on my XXXX, now Navient, loans. In particular, I was seeking the same data that is required on credit card statements and mortgage statements, namely " How much interest have I paid over the life of the loans? '' XXXX told me that they do not provide payment history beyond the last XXXX payments. I feel that they must have data on how much they have made over the life of the loan and refuse to disclose that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I made a large lump sum payment in XXXX 2016. There was a calculator on the website that provided the pay off amount which included the interest amount due. The lump sum payment matched the exact amount shown as the " pay off amount '' for the larger of the XXXX loans. I instructed the phone representative to apply the amount to the larger loan on my account. Instead, I was told the payment will be applied to the total amount of both loans. In addition, interest was subtracted from the payment amounts applied to each loan. Today, I have XXXX smaller loan amounts that are drawing interest.

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

Complaint narrative:
with " automatic bill pay '' my account was withdraw XXXX ( same amount XXXX dollars, on XXXX XXXX, and XXXX XXXX. ) When I checked online to see if my pension money was available I noticed the mistake. This mistake made incur in overdraft, so they start withdrawing a XXXX dollars fee ( XXXX times ) they did n't do it more times because I got my XXXX money deposited and the account had founds. 
Bank of America, send emails to see if their service was good, they call you to offer you new products, but they never called me, to tell me they were withdrawing this fee in an abusive way. Because, XXXX can be a punishment, more than XXXX about the same without notice to the affected person shows they are profiting without any ethical principles. 
I went to the bank in person, they sent me home, this issue can be solved only over the phone ... Next day, called at least they transferred me to XXXX different people and explain the whole issue since the beginning, maybe their solution was to make me give up, instead to give me a professional answer. 
They agreed about the mistake ( almost one hour later ), and refund XXXX dollars ( when really they deducted XXXX ), so I have other call pending to claim on the same. 
This is no the proper way to treat a XXXX who is a loyal customer of them for the past XXXX years at least. 
I got punished for their mistake in XXXX, and same problem had occurred on XXXX, so is recurrent this unfaithful practice. 
How they can do with me and my money whatever they want, and I have just to watch? 
I am just a person who lives on his retirement money not an account knowledge professional. 
Why Banks do n't inform the client as soon as they take money as " penalty ''? and really at my XXXX years old I did n't feel treated with respect and understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 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: PA

Complaint narrative:
I was charged excessive late fees and extended late fees on my account. transactions such as deposits and withdrawals were structured by the bank so that my account was unnecessarily short and thus overdrawn causing me fees in excess of {$300.00} over a few months.

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 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!!

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 2015-10-06 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: NY

Complaint narrative:
I 've had so many issues with Navient : Taking money from my account ( in amounts of XXXX, leaving me XXXX in the hole!! ), lying, threatening me on the phone, suggesting I become a XXXX or XXXX to assist in paying my student loans. They play games and I have to obsessively monitor my account for errors to the point where I have have XXXX regarding these loans. Just this morning, I check my bank account like I usually do in the XXXX because of Navient 's game, and my XXXX payment was put back into my account with no explaination or response from Navient. There is no documentation I made the payment or was refunded. So now I am at risk of losing my special payment plan because of their errors. 
I also requested they mail me every single statement from the last ten years ( my borrowing time frame ) and after a month and a half later, I received statements dated from XXXX with XXXX missing. The errors I am questioning have occurred from XXXX ( the statements missing ). 

I 've made complaints before and e-mailed politicians and lawyers on this company, and since then I have had these questionable issues happen with my account! 

Attached you will see a screenshot of my bank account from XX/XX/XXXX, with a bunch of unauthorized transactions totaling {$40000.00} that were attributed to a " XXXX dial '' of a payment. Which is false, because you can not process a payment of more thn {$10000.00} online you need to call! 

Please please fine this company. They are ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) submitted a complaint with the Consumer Financial Protection Bureau ( hereinafter " CFPB '' ), that generated Case Number : XXXX. 
Go to First Attachment. 
On page XXXX from the First Attachment, Bank of America , National Association ( hereinafter " Debt Collector '' ) admits to selling a Debt sold on XXXX XXXX, XXXX. 
Go to page XXXX from the First Attachment, where it is highlighted in fluorescent yellow. 
The Debt Collector has never mailed, shipped, or gave the Consumer any correspondence letter, nor notice, constructive notice on who specifically the Debt Collector sold the Debt too??? 
Its approximately 6 months later, and the Debt Collector has not given the Consumer any indication on who the new Debt Buyer is, nor how much specifically did the Debt Buyer purchase the Debt for? 
What is even more bizarre, confusing, and twisted is the Debt Collector is still attempting to collect on a debt that the Consumer does not owe, still attempting to steal what belongs to the Consumer, scheduling foreclosure sales for the last couple of years, only to cancel them at the last minute, and if the Debt Collector really sold the Debt like it admitted in the First Attachment, then why did it schedule, and attempt, and have a representative named XXXX show up on behalf of the Debt Collector, and attempt to bid at an attempted foreclosure sale, dated Tuesday, XXXX XXXX, XXXX at XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX, XXXX, Hawaii? 
Go to Second Attachment.

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 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Over the years I have struggled to make mortgage payments as my husband died XXXX 2 years after initiating the loan. Thankfully, I am now making my payments timely. However, over the years when I spoke with customer service representatives of Greentree, I was transferred to other extensions/representatives numerous times and was forced to reiterate over and over my situation and what I was requesting. Greentree would assign someone to me and then before I knew, that representative was reassigned and I would have to start all over. Several times customer representatives were rude and unprofessional. One even said to me that I needed to realize that I could n't afford to make these payments and that I should just let them foreclose. Greentree Servicing 's representatives humiliated me numerous times over the life of this loan. Several years ago, I submitted all the necessary information and documentation to Greentree requesting a reduction in my interest rate ( currently 9 % ), and was denied, without an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After having my card fraudulently used, XXXX XXXX issues over XXXX " refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than " Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as " not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I co-signed for a {$5000.00} student loan with Naviant and the student isstill finishing her Masters but the 48 month grace period hasSupposedly expired. They have been sending twice daily emails andTwice or more daily phone calls even after I called and requestedA paper billing statement and advised that once i got the bill i would startPayments. They refused to stop the calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone. 
They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I wrote a check to our daycare provider from our joint BofA checking account. BofA refused to honor the check for fraud purposes, even though the account has never been subject to fraud claims before. BofA called prior to dishonoring the check and left a strange message. Due to other bank frauds, where scammers pretend to dial card and accountholders to phish account details, neither my wife nor I answered and instead called the bank directly when we had free time later that day. During that call, BofA said that we had called too late and they were dishonoring the check and we would have to write a new one. 

Due to this, my daycare provider had to pay a {$12.00} fee to their bank. My wife and I have covered the fee and sought compensation for the issue from BofA. BofA has refused, despite the fact that the fee was due to their dishonoring a validly issued check and the company 's overly sensitive risk practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX we filled out a RMA with BOA for a Harp XXXX XXXX modification. In XXXX XXXX we were granted a temporary modification from BOA. We were informed that the modification could change after we made the XXXX trial payments to a XXXX XXXX XXXX. In XXXX XXXX, we made our 3rd payment to complete the 3 trial payments. We spoke to our account representative and she said she was putting in the request for the permanent modification. She stated that we should receive the paperwork in the mail in approximately 15 days. We did not receive any paperwork in XXXX XXXX. I called BOA to inquire about making another payment and about the permanent modification. They processed the payment and then told me that there was no paperwork completed yet for the permanent modification. The representative then told me that there was no guarantee we would receive a permanent modification but that we should continue to make monthly payments.

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 2016-11-04 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 from the XXXX of XXXX. When I graduated in XX/XX/2008 the housing the market crashed jobs were slim to none to come by. I did manage to find freelance work to make ends meet. I was struggling to pay my student loans. When XXXX XXXX sold to Navient the rates changed on my loans as high as 7.25 % variable rates. I called Navient and they agreed I could pay interest only payments at {$400.00} a month. I struggled for the past 12 years making these payments and yet my loan balance grew greater. 
I had to give up my apartment and move in with my sister. I had to stop my car insurance because of lack of money. I take the trolley to my various jobs. I 'm now paying {$100.00} a month for mandatory medical insurance or I will be penalized on my income tax. I set up payments plan with XXXX but stopped paying {$400.00} a month to Navient. I was starving. I have tired several times to set up a pay plan based on my income with Navient. No one will help me and they have now sent my loan to a collection agency. I tried to set up a plan with the collection agency they said I must pay {$850.00} a month. So it has come down to I must eat first and forced to pay the XXXX medical. This ca n't be XXXX that I was born and raised in.

Company response to consumer: Closed with explanation