vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
About two years ago I applied for a HAMP modification ( for my mortgage ), working with a credit counselor.Eventually I was approved .After that, I was told by credit counselor to apply for a XXXX for my second lien, ( Equity line of credit ) .They use the same paperwork.My second lien was from another banking institution then the first. The credit counselor sent me a copy of the government book with all information. We conference called that institution several times. Constantly getting the run around.Everybody had a different story of how the program worked. Every time we called we spent hours on the phone XXXX story after another. Most of the time they were just rude.It came down to my payment had to be over {$100.00}, it was short by {$4.00}, so they deny it. Was told to wait until rate went up to reapply. In turn my payment would increase qualifying me. The rate increased, my payment went up and I called the credit counselor. Again, we conference called the institution to let them know I should now qualify. Round and round we went. The credit counselor and I both kept records of all calls and different information we received .Once the intial call was put into the institution I started receiving a call about every other day from institution that they had phoned in error between XXXX XXXX & XXXX XXXX for about 4 weeks.Always, while I was at work like everybody else. When we called back they said that on my record they tried to reach out to me several times and did n't answer the phone. I explained I work during the day just as they do and the message said in error? Now they say have to be assigned a case manager and can proceed in XXXX through her.Months of the lies and stories. Set up appointment with her on XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX a lady calls and says she is calling on behalf of case manager. I explain that I have a appointment set up for the XXXX at XXXX conference credit counselor and I and case manager. They never call Monday the XXXX. Credit counselor sends information to HAMP escalations team for a response and help.Now the story is I ca n't be reviewed again.I have read the handbook over and over, it says nothing about this criteria. I believe the credit counselor is aware of criteria and we have following all the guidelines.Just XXXX roadblock after another. Conflicting information.Through our calls several banking persons said I did qualify. I believe this institution is just wasting time so people give up because of the hassle.The modification before this, we ran into similar results in the beginning but finally reach a person to help.I have so much more of info. but trying to keep it brief. Thanks

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 2017-02-03 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: WI

Complaint narrative:
I have a consolidated loan with Navient. My minimum payment for the course of the loan was {$190.00}. The last XXXX years I have paid more than the minimum payment. I recently called to return to my original payment and I was told that is impossible without applying for a new loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: CA

Complaint narrative:
The loan company, Navient, is lying about their Internship/Fellowship Deferment program. They did not want to accept my deferment paper because their lack of understanding on how my internship deals with my career. Frankly, it seems like they do not want to accept my deferment because they are money-hungry. However, this internship helps me get the type of job I need in order to pay them back. Navient does not want to give a clear-cut reason on why they do not want to accept my internship deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CT

Complaint narrative:
i became XXXX in 2008, i got {$120000.00} in federal student loans discharged due to this XXXX. My only income is Social Security XXXX {$1300.00} a month and am below the poverty level and can not afford any payments on private student loans. I made multiple attempts at small monthly payment but have since been unable. An original {$6000.00} dollar loan has grown into over {$32000.00} with fees and interest. My mother was cosigner and she to has retired and recieves only Social Security, both of our credit reports have been ruined and I am looking for loan forgiveness and restitution of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am fortunate enough to have enough money that I never need to carry a credit card balance and pay interest, so I have instructed BofA via automatic bill payment software on-line to pay the full amount due from my checking account to my credit card. I was surprised when I checked my account last night and saw that the XXXX XXXX payment was actually not in full, but instead was only the minimum amount due. At first I thought I must have been mistaken - maybe I had not set the payment to be the total amount due, but I was pretty sure I had done so. When I called to inquire, I was informed by a representative that my payment instructions had " been adjusted on the back end '' because I had disputed a transaction. In other words, BofA software automatically altered my payment instructions. Their rational is that this protects me from making a payment that I should not have to. I pointed out that the result of their action was they were charging me interest on a credit card balance that should not have occurred. They were apologetic and reversed the finance charges after an hour on the phone, and conversations with XXXX representatives ( bank, bill payments, credit card ). They were aware that this 'feature ' in their software was causing " some issues '' with customers. On further research, I learned that the bill payment software had " adjusted on the back end '' my payment instructions 4 times in the last 5 months, resulting in finance charges each time. At no time did they inform me they had done this. Thinking back on it, I thought each time that I must have messed up some how and shrugged and went and paid the finance charges. But think about it : there are probably hundreds of thousands, if not millions, of people just like me who thought they instructed the bank to pay their credit card balances in full, only to have the bank " adjust the payment on the back end '' WITHOUT INFORMING THE CLIENT, resulting in a finance charges in favor of the bank. They know this is happening, they know it is upsetting some clients, but they do not inform the clients of the adjustment or offer to repay the finance charges unless the clients call in and argue about it. BofA is probably netting millions or tens of millions a year in ill-gotten finance charges as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have almost completed my XXXX in XXXX in XXXX to find out that 1. ) I do not need a degree To work in the XXXX only a XXXX and XXXX, a certification. Which neither is included into anything that came from my student loans. 
and 2. ) That now that I basically will be having a degree that means nothing and student loans that I can not afford, my credits will not even transfer to a different college to get another degree. I had to stop working and everything to focus on school and actually ended up stop working just to rack up a huge bill for nothing. I have XXXX kids and this has taken not just from me but also them and their future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.

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 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Sometime after XX/XX/XXXX but before XX/XX/XXXX I paid my XXXX store credit card bill. Unfortunately for me my payment was applied to another account. I had paid the bill using my mother 's Bank of America bank account. I tried multiple times to resolve the situation, to no avail. I was repeatedly told that they ( the XXXX card company reps ) understood and would fix it, but nobody ever did. It was sent to collections and I again explained my situation. After many attempts to fix the situation I gave up. In hindsight this likely was n't a good idea but I was beyond frustrated. The account was opened in XX/XX/XXXX and closed due to non payment in XX/XX/XXXX. I received a call XX/XX/XXXX that I was being taken to court over this debt. I have negotiated with the law office handling the case against me to have until the end of XX/XX/XXXX to get the copy of the bank statement showing my payment. My mother closed the Ban of America account, perhaps in XX/XX/XXXX. I spoke with BoA customer service and was told they could look up closed accounts, but could only look back a few years by phone. I was instructed to go into a branch and they would be able to help me. When I spoke with a branch manager in person she told me they only hold on to records for 7 years. I fully explained my situation and she again said they only go back 7 years. I called customer service again and was told by one person they could go back further if I ordered them. I was then told by another person that no they could not go back further, they could only look back 7 years, I want to know if there is ANY way possible to obtain bank account records from this account ( my mother was with me in the branch and on the phone, since it is her account ) from before XX/XX/XXXX. If I can show the payment then I can prove I made it and not be held accountable. If I ca n't get the records from the bank I have no evidence to prove my payment and will either have to pay the original amount or have the court judgment go against me and owe hundreds more. I am so upset that I paid my bill and somehow am being punished. I really hope there is something that can be done to help prove my payment. 
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 2015-03-27 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Overdraft, savings or rewards features — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, 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 2016-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
1. Merchant, XXXX XXXX XXXX XXXX, drew a final payment for a construction project from my credit account without my authorization and in violation of the terms of our contract. They bypassed me and had my wife sign an incomplete authorization form without my knowledge ; 2. Lending broker, Greensky XXXX, who insists they are not the actual lender, did not request or verify my authorization before disbursing funds to the merchant even though they specify that XXXX rules and terms apply ; 3. Third party lender, XXXX, has this loan listed on my credit bureau reports yet they do not acknowledge any existing account open in my name or any customer relationship between us ; I am working with an attorney to pursue the matter in civil court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is in regards to the false reporting, False information and poor privacy and security of thr Bank of America in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and BOA never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then BOA 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX.

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