vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a " high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After accumlating more the XXXX points with Bank of America, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Bank of America at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Bank of America Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Bank of America would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Before applying for the income contingent plan, I have had a really hard time with XXXX trying to get my student loans paid! After being deferred for quite some time I have incurred many fees which have put me further behind on payments! I am still being charged large sums of interest on the income contingent plan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America in XXXX. When I did my home refinance with XXXX in XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopened this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a fiduciary, Bank of America should put the interests of its customers in the first place and must keep its promise to the customer! It not, Bank of America must pay for the damage caused. 
Thank you! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I made a payment to Bank of America from a checking account ( XXXX ) that I am not actively using, thus the account did not have sufficient funds for the payment. I contact BOFA on XXXX/XXXX/17, a day after I made the payment and realized my mistake, and asked them to cancel the transaction. They advised me on the phone at that time that the payment from the XXXX account would be reversed. During the same call I also made a payment over the phone with my new checking account ; that payment was immediately processed. 
On XXXX/XXXX/17 the initial payment from my XXXX checking account still had not been reversed so i called BOFA again and asked that it be reversed. Their representative again stated that it was reversed. I asked that they send me an email confirmation of the reversal. As of today the payment has not been reversed, no email confirmation has been received, and I am incurring overdraft fees from XXXX as a result.

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 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
CBE Group, on behalf of XXXX. 

CBE reps hung up on me 2 times, which is extremely unprofessional. The first time, the rep blatantly lied to me and said she would stay on the line until I received e-mail confirmation of the bill I paid. 

I promptly called back, and a XXXX rep hung up on me while I tried to explain that I have n't received e-mail confirmation. Extremely unprofessional behavior aside, e-mail -- or some type of confirmation -- is important because customers sometimes have no idea if the call is a financial scam. 

Lies, obfuscation, and rudeness reflect very poorly on CBE Group, and XXXX. With the numerous complaints against CBE Group in the Consumer Complaint Database, why is this company still in business, and or why has it not been fined?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I obtained a credit card from Bank of America that I kept in perfect standing at all times. when payments were due, I always paid double or more rather than the minimum amount due. I made a payment before midnight and not knowing the cut off time was XXXX, was charged a late fee. While discussing the situation with an associate a few days later, she got very out of hand and we wounded up exchanging a few argumentative words. I saw where I was not getting anywhere, decided to hang up. She ( I believe ) submitted a request on my behalf to close the account. Not knowing this until I attempted to pay a bill, called the bank and was told that I requested to close the account. They would not reissue my card unless I reapply and they would run my credit which has a hard inquiry toward my credit score. Should I have to go through this after assuring them that I did not request to close my account? Your assistance is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When XXXX XXXX moved to Navient..my loan was on deferment. They move the interest rate from 6 % to over 11 %. In addition, at that time my bankrucy paid over {$14000.00} to XXXX XXXX for my loan but it was never used to reduce my loan and in fact my loan increased from XXXX to over XXXX. I have paperwork to support this and sent to Navient and they said they could n't do anything because it was something that XXXX XXXX should have taken care of however XXXX XXXX letters came back to me because they do n't exist. So no one can tell me why my XXXX payment was n't applied to reduce my loan and why my loan went from XXXX to over XXXX. I need help and have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I received a notification from Navient on XXXX XXXX, XXXX regarding the removal of the delinquency reporting for all my XXXX XXXX Loans and XXXX XXXX XXXX Loans reported for XXXX and XXXX ; NAVIENT submitted a request for removal of delinquency reporting on XXXX XXXX, XXXX. I 've recently received an updated credit report from XXXX ( attached ) and my student loans are still reporting 120 days past due for XXXX. In my previous case with CFPB ( CASE NUMBER : XXXX ), I was reassured via phone from a Consumer Relations representative on XXXX XXXX, XXXX and via CFPB ( CASE NUMBER : XXXX ), all delinquent reporting for my NAVIENTXXXX student loans would be removed for XXXX and XXXX ; XXXX XXXX, XXXX the request will be submitted to the credit reporting agencies to remove any delinquency reporting but, I 've recently received an updated XXXX credit report that shows all loans in XXXX are still 120 days past due. I 've never been past due on my student loans and all my student loans with NAVIENT/XXXX are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: NY

Complaint narrative:
In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I have contacted Central Financial Control many times via phone and mail. I have also disputed this collection account with XXXX, which is the only bureau I have a subscription to. I do not believe this is a valid account - I do not believe I owe this money nor that this was ever my account. Rather than providing proof of debt, I received a latter demaning that I prove my own identity in the form of a driver 's license and social security card. I have refused. Further, Central Financial Control reported this colleciton as a " charge off '' in XXXX of 2015, the exact timing of my dispute. I believe firmly they have violated XXXX provisions of the FDCPA, specifically Section 809. I have requested multiple times that this account be removed and as of today, it still appears on my credit report. This is the only collection I have, and it is causing me great harm as I shop for a mortgage. Please help me resolve this issue. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is related to XXXX. My original mortgage servicer Bank of America ( BOA ) responded to my demand letter to my current servicer XXXX. 
The XXXX XXXX foreclosure sale was changed to XXXX XXXX. Both XXXX and BOA received my dispute by XXXX XXXX. The property was not sold, but ownership was transferred to BOA. 
BOA is now trying to sell the property at a profit, more than my original loan. 
I am sending a letter demanding they either 1 ) return the property to me, free and clear of the debt and any liens, or 2 ) reach an equitable settlement with me. 
BOA refused to work my HUD counselor and I to resolve this. 
BOA sold the loan to XXXX, and XXXX refused a sale that would have paid off the loan, so UCC rules were invoked. 
I gave XXXX, XXXX, and BOA 30 days to respond, they have done nothing but delay. 
Now BOA is claiming ownership and seeking outside counsel? 
How much time and money are they willing to put into this when they are clearly fraudulent?

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 2016-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 've spoken to the company ( Navient ) many times and told them I am unable to pay my student loans until the end of the month. i asked for a reduced payment plan or a forbearance. I was denied a reduced payment and I 'm charged every time I need to delay payment and can only hold payment for one month at a time. I asked that they stopped calling. My request was ignored and they call me no less than ten times a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: CA

Complaint narrative:
I am recently paying for my student loan that is defaulted. I been making on time payments of the amount i am able to afford. I have been asking for paper reciept and to file for my taxes but i have never recieved. I was told to make 9 monthly continues payment and my loans should be out of default, now i am getting a letter from a different loan servicing threatining a wage garnishment for the same loans i have already made 9 consecutive payments of thinking i would be out of default.

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 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Calling many times a day about payment that are n't overdue. XXXX is the number calling. Wo n't leave messages.

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 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: CA

Complaint narrative:
I currently have XXXX loans that were originally taken out with XXXX for XXXX aka XXXX, fast forward they are currently being serviced by navient. for the last XXXX years I have been repaying them under the income based repayment plan. just recently we renewed the terms and agreement, come to find out they have been harrassing me and threatening to purse legal action because I 'm currently XXXX days past due. they have been removing the agreed amount out of my account yet they are only applying it to the original amount that I could n't afford and they have been calculating interest and damaging my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has been calling me 10 times a day from multiple phone numbers. I am also current with my student loans with them, they are harassing me for my scheduled payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient is charging me exorbitant late fees and are paid back by spreading my payments to the late fees only. The prinicpal and interest of the loans are accumulating. As well as the penalties and late fees as I am in repayment. They currently want the whole loan paid in full and will not take less. I make payments but they still report negatively on my credit score impacting my ability to finance. I was defaulted on my loans before I even graduated XXXX. So once I graduated, XX/XX/XXXX, I was in default for non payment of loans whilst still obtaining my higher education. My loans on my credit report state that they stem from XX/XX/XXXX which is a major discrepancy as the loans stem from XX/XX/XXXX-XX/XX/XXXX. They are not reporting on my credit report properly and when I contact them I am hung up on and no return calls are made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be

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