vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-23 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:
My complaint is against Bank of America Merchant Account Services. I received a call from their representative ( XXXX ) this afternoon regarding my newly established merchant account. XXXX called from XXXX. I was advised that my merchant account was flagged because of the type of services that I/my business offer. XXXX advised me that I am an unqualified/high risk business and that my account is under review. 
I advised XXXX that I was very concerned about his call because of the long standing relationship that I have with Bank of America and had with my former merchant provider. I have banked with Bank of America for XXXX years and was often solicited by numerous representatives both at my office and in their branches. So I did n't understand how Bank of America could first offer me a merchant account, approve the account, send the equipment, allow my business to process credit and debit card fees only to then contact me less than XXXX days later to inform me that my merchant account with them could potentially be closed. 
During the completion of the merchant account application with the Bank of America representative on XXXX XXXX 2015 I detailed my long standing relationship, my account history and revisited all the services that were offered to my business over the years as well as the visits to my office that Bank of America representatives made to offer my staff checking account services and other additional services to me. 
After terminating my eight year relationship with another merchant services provider to accept the offer from Bank of America, it is unclear to me how Bank of America could have approved me for a XXXX year lease of the equipment and the account only to be told XXXX days afterwards that my account could potentially be terminated for no wrongdoing on my part. 
I am confused as to why Bank of America marketed services/products to me with intimate knowledge of my personal accounts, business accounts and business model ; then processed and completed a XXXX hour interview/application ; for the application to take the bank more than XXXX days to process ( time for which I am sure they used to complete their due diligence and to qualify me and my business ) ; then to approve me but to call less than XXXX days later and tell me that my business is now high risk/unqualified! 
The termination of my merchant account with Bank of America would cause an enormous financial hardship on my small business and should not be something that I should have to endure. Furthermore the processing of my application has impacted my personal credit profile and could affect my ability to acquire a new merchant account in the future. 
With that said I hope to keep this Bank of America merchant account to circumvent any unnecessary financial hardship to my life and to my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America , N.A . also know as BAC Home Loan changed the loan/account number without my consent. Foreclosed on my home under loan number that is not under the contract we signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a credit card account with Bank of America for the purpose of a balance transfer promotion. This balance transfer promotion is until XX/XX/XXXX. I called Bank of America to see if I could add additional purchases and if they would be covered under the 0 % apr. I was informed that they would be. I made a purchase and on my next billing cycle was charged interest. I called Bank of America again, to see why this happened. The representative informed me that my new purchase was NOT covered under the 0 % apr and to avoid further interest charges, I would need to pay off the new purchase amount in full. I did this. I received my next statement with even a larger interest charge and again called Bank of America. This time I was informed by both a representative and supervisor that my payment was only partially applied to my higher rate purchase and the rest was applied to my balance transfer of 0 % interest. The supervisor told me there was nothing she could do except reimbursement this once for the interest charge. Through my research and what I have read about the Credit Card ACT of XX/XX/XXXX, this company is not abiding by this legislation. I was misinformed on XXXX separate occasions by the same company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America - MortgageRefuses to provide " release of lien '' - XXXX years after mortgage paid off. 
I can not sell my house - was due to close XXXX/XXXX/XXXX. 

Bank Employees in call center refuse to provide contact person or phone number to help resolve. XXXX employee even refuses to provide her Operator ID # with the bank. 

This is the XXXX time in XXXX years that I have been selling a house and the transaction was derailed by Bank of America 's negligence. 

In XXXX, Bank of America filed a mortgage lien on the wrong house by mistake. Even after admitting the mistake, they refused to remove the lien until I sued in Colorado district court. Only then, someone with authority paid attention - removed the lien - and Bank of America paid my damages. 

Now, XXXX, I am selling a property on which I once had a Bank of America mortgage. I refinanced with XXXX in XXXX XXXX. Bank of America was fully paid off. They failed to remove the lien. Now, almost XXXX years later, I 'm scheduled to close the sale of my house and the closing is blocked by the erroneous lien. 

The Bank agrees they were paid off nearly two years ago and they should have released the lien. Even so, they refuse to do so and refuse to return my call. 

I will be filing a lawsuit again. 

Maybe they will again pay attention only after being sued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 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: MD

Complaint narrative:
My private student loans they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and they are reporting and reaging old debts every month as if they are new. There was an astronomical amount of interest and fees added and I do n't even know if I owe for all of these loans. They are old and were supposed to be deferred by XXXX they were bought by Navient and they are reporting illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: TX

Complaint narrative:
We have a credit card from Bank of America and was signed up for automatic payment. I cancelled automatic payment in XXXX 2015 after our checking account was debited twice after I made a payment. The extra money was returned to our checking. This month, {$520.00} was removed from our checking account ( XXXX XXXX XXXX XXXX ) and applied to our credit card. After making a complaint, Bank of America stated they would credit our checking account on XXXX XXXX, 2015. This did not happen. After phoning Bank of America today, the lady I talked to said that the money was credited back to the credit card account. I told her that was totally wrong. How can Bank of America take {$520.00} out of my checking account to credit the credit card account ... then removed that {$520.00} and again credit it to the credit card account. Totally makes no sense whatsoever. Bank of America states they will research the problem which will take at least seven to ten business days. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 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: CA

Complaint narrative:
I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I read in the news that my current servicer, Navient, is being sued by the CFPB and that if I 've experienced anything negative during my experience with them that I should submit a complaint. 

I have three major complaints about Navient. The first is that I was not aware of the fact that all unpaid interest on my outstanding loans would be capitalized if I consolidated them with Navient. This means I 'm paying interest on top of interest and seems unfair. Secondly, I 've made attempts in the past to make additional payments beyond my minimum in order to pay down my loans more quickly. Doing so, however caused me to get booted from the income based repayment program I was on and gave me a budget crunch when my payment skyrocketed without notice. Lastly, every year when I have to recertify for my income based repayment I 'm not given any kind of notice or forewarning and I think this is also done intentionally to boot me off the income based repayment program. 

I have a fico score over XXXX and am paying 6.75 % on these loans which seems usurious. I hope the new president allows me to refinance at a lower rate and have the outstanding balance forgiven for me after 20 years instead of 25. Also, some action needs to be taken on making the forgiveness of student loan non taxable. Currently I will have to pay income tax on any debt forgiven after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
In XX/XX/2016 I noticed a collection account on all XXXX of my credit reports, so I initiated a dispute knowing it was not mine. XXXX and XXXX corrected the mistake, but it was still on XXXX. I then call the collection company CBA of XXXX. I requested documentation including copy of Signature, ID 's, Social security card to show they had legal right to collect. I also requested documentation showing they had the right to collect for the company that intiated the account. I also requested proof of their license and bond to even collect in the state of GA. They put me to management and I was assured that they would email the requested documents to me as soon as possible. A couple days went by with no email so I called back and then was told they were getting this information and documents from the 1st party and would forward it to me. I have yet to receive anything proving they have right to collect and I know its imposssible for them to have anything with my signature or ID. Please remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have XXXX student loans adding up to over {$62000.00} with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of {$650.00} monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after making another 12 month payment after that forbearance that the clock was reset on my loan payments so I would need to make another 2 years of consistent monthly payments. It seemed like this was misleading that I was not told that if at any time I chose to go into forbearance that my payment timeline to remove my mother as a cosigner for XXXX of XXXX loans would be reset. 
Wells Fargo Bank does not offer any other alternative for me to ease the burden of my student loan payments as the option I always receive from representatives are : 1. ) can you consolidate ( I can not do this option because that would require a cosigner- the only person of which is my mother who can not be used as a cosigner until she is removed from original loan ), 2. ) go into forbearance ( I can only do this option for 2 months effectively upping my interest balance while resetting the clock on the time it would take to remove my mother from original loan ), 3. ) cosigner would need to me payment if I could not. 
Having only 3 none useable options to ease such a large debt with such a high monthly balance is wrong and something should be done.

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 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC
State: WA

Complaint narrative:
I was contacted via phone from a private number in which a male left me a voicemail stating that someone would be serving me papers at my home and place of employment which he said he would require a signature from my manager. He left a number to call XXXX and a case # XXXX. I contacted that number and a person by the name of XXXX XXXX at Bayside Capital Services answered. He did not during the course of our call state he was a debt collector nor did he state the required FDCPA statement. This is an attempt to collect a debt ... He demanded payment right away and told me that he is licensed in litigation in XXXX states. He threated that a lawsuit would be filed if I did n't pay the balance owed today. We worked out an arrangement and I asked him for some type of proof that he is who is says he is. XXXX minutes later I received an email with a word document ( see attached ) in which I felt looked a bit on the forged side. I contacted the creditor and they told me they have never heard of Bayside Capital Services nor was the amount was the creditor had on file the same amount as Bayside. I then did a little research on Bayside and read that a few others had the same experience as I. I then contacted XXXX and asked him for his debt collector license because I felt there was something very suspicious about the entire conversation, XXXX told me, after an uncomfortable pause, there are many departments and he does n't have the number then he got angry with me and told me he was never going to give me the number and started to raise his voice even further. I then hung up because I felt that the whole thing was a scam and he was trying to steal money from me. I feel that these people illegally got information from my credit report and are trying to steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX XXXX I contacted Capital One and it vised them I was unable to pay do to the fact that the Veterans Administration was unable to pay me for XX/XX/XXXX because they Could not get my money Direct Deposit into the Bank in the XXXX XXXX! I contact them several times and told them I would pay no problem and was told by a supervisor no problem they would work with me! Later that month it showed up has past due late payment on my credit report, I called back to Capital one was told they would correct it on XXXX XXXX XXXX and report it to the Credit bureaus. Later I called back she told me to wait for the next reporting date for it too show up on the credit reports as corrected. I called back today on XXXX XXXX XXXX and asked to talked to the executive team and was told I was unable to talk to them they transferred me to other Supervisor and she told me That it was not corrected in the System and it would be corrected? but was Disconnected I called back they connected me To the Military Dispute team I talked to XXXX and he stated it was in the System that it would not be corrected! I am a XXXX Veteran living in the XXXX XXXX Your more then Welcome to Call XXXX XXXX, XXXX XXXX that is the only one that does XXXX Direct Deposits with the Veterans Affairs She can Verify that she tried 4 times XX/XX/XXXX to Send the Deposit to my bank and failed. I just ask that Capital one to see the facts and reverse there decision on correcting this to all XXXX credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been customer of CapitalOne 360 since XXXX. I was maintaining a checking account but not using for while. On XXXX XXXX XXXX my friend added me as joint account owner on his checking account and now I have XXXX checking account. But Capital One restricted my both accounts immediately and we do n't have access to the fund. Since it it online bank we made calls to to lift the restrictions but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Recovery One, LLC
State: TX

Complaint narrative:
This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.

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