vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling
telling me to return the merchandise BofA employees gave me "bounce"
protectection which added XXXX ISF charges. A week later the
same thing occurred again and when I noticed the XXXX overdraft and
went to the bank. No help was forthcoming. I returned four more times.
Same result. On the 6th visit I was given a busy phone line which no one ever
answered. On the 7th visit I was given another "executive" complaint line
which no one answered. On the 8th visit I encountered a new face who
said "return the merchandise and we will try to fix things". Another intern
-net transaction occurred raising the total to around $900. Finally today I
was told nothing could be done and to pay XXXX and cancel the card.
I told the bank 'executive' I would rather go to court and tomorrow morn-
ing I will be talking to a lawyer about it.  What advise do you have?
XXXX 

 
the bank to inquire as to what had happened. I was not helped at all and
returned 5 more times.
XXXX visits

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX of XXXX, I offered Bank of America, the owner of the house, $ XXXX for a home and the bank accepted the offer. At the time, the house was a short sale and scheduled for foreclosure and had a foreclosure sale date for XXXX XXXX. So, from the time Bank of America accepted my offer in XXXX I was told I needed to wait for the bank to provide a release letter to close on the home. The house had no appliances and had holes in the walls which I was told needed to be remedied before I could close. I wanted the house, so I bought and installed all the appliances and fixed the holes in the walls. Still anxiously waiting for months to get the release letter, in XXXX, the bank said that they wanted to re-appraise the home. So, in XXXX, after I had done all the repairs and installed all the required appliances the house appraised for $ XXXX more, $ XXXX. So, Bank of America told me they would not give me the release letter to close for the agreed to price that we had under contract of $ XXXX, they said I could n't have the house unless I paid $ XXXX and if I did not agree they would sell the house at the XXXX foreclosure auction. Of course the house appraised for more, I had made the fixes it needed and installed appliances, all from my own funds. It was unethical for them to not honor the offer they agreed to when it went under contract and to threaten not to sell it to me if I did not agree to their new price after waiting months for the release letter after the original agreed to contract. This was wrong. Since the bank was threatening to go through with the foreclosure sale if I did not pay the price increase. I felt I had no choice, although I felt this was very wrong. Under much duress, I signed the bank 's counter offer on XXXX XXXX, XXXX to acquire it before the scheduled foreclosure sale.

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 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has illegally re-aged XXXX accounts and is reporting this negative and incorrect information to the credit reporting agencies. They are reporting a new date of first delinquency XXXX/XXXX/2012 this is absolutely inaccurate and incorrect.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
In 2014 I received several unsolicited phone calls and got sucked in to the " work from home/online business scam ''. I paid several companies enormous fees and specifically paid these related companies : XXXX and XXXX XXXX a combined total of {$19000.00}. I have attempted resolve my complaints directly with them and have been completely ignored. After learning my rights as a consumer, I know that these transactions can be disputed but based on the transaction dates I was informed that they are too old to dispute.

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 2015-07-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2015-08-17 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: NJ

Complaint narrative:
Navient aggreed to reduce the interest rate on my account to .0001 % and take automatic payments of XXXX dollars a month to help pay down my balance. The .0001 % interest rate was supposed to begin after I made XXXX qualifying payments. I began making the payments in XXXX 2015, the reduced interest rate should have began in XXXX 2015. They never reduced the interest rate and although I continue to pay them the XXXX dollars a month, my balance continues to grow. I called the Navient Department handling my loan in XXXX 2015. They assured me that the interest rate would be reduced to .0001 % and that my total loan balance would be adjusted. When I received the statement in XXXX, my loan balance increased again. They lied and mishandled my account. I attended the XXXX New Jersey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
No matter how many payments or how high my payments were, my balance remained the same. If I lost a job and asked for help, lower payments, etc it was a circus. I get bills sent, sometimes I do n't. They do not send my tax documents as requested or required and make speaking to anyone for any reason impossible. They have also taken payments without my permission. When I requested forbearance they made it a nightmare and kick me off without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Bank of America Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my " employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.

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 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CL Holdings LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
RE : Case XXXX, the terms of the County of XXXX XXXX recorded " FULL RECONVEYANCE '' by XXXX XXXX XXXX, the legal counsel for Bank of America as part of the solution of the above mentioned Case, are unaceptables by XXXX XXXX XXXX, due the stated full enforcement to collect the debt, even this second mortgage loan ending in XXXX has been discharged in Bankruptcy Chapter XXXX. Case XXXX, and Bank of America Bankruptcy Team @ XXXX XXXX XXXX XXXX. XXXX XXXX CA was properly served on XXXX and XXXX 2015. The Bank of America counsel is violating a federal law order trying to fully enforcement in collecting an already discharged debt by Chapter XXXX and surrendering secured real property procceding. " XXXX XXXX XXXX '' the Bank 's legal counsel, wrote in the recorded " Deed of Reconveyance '', that this legal instrument is solely for the purpose of release the lien of the Deed of Trust of the XXXX XXXX XXXX described real property, currently in active process of Short Sale as Foreclosure Alternative and the expected Collection Effort by " XXXX XXXX XXXX '' is totally illegal As Is in the recorded " Deed of Reconveyance '' before the Authority of XXXX XXXX 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 2017-01-19 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: NC

Complaint narrative:
I do not understand the balance of my student loan, the amount is more than what was told to me and I an not seeing a decrease with my payments. Also I have been making payments, but I keeping getting late payments reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i give the compleint of the bank of america because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the bank of america no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
bank of america gold option account has overcharged me for seven years as if I were a month late and tacked on upwards of XXXX dollars worth of fees that were misrepresented and not understandable by the statements I received. I also asked them to mail all statements and they only sent from XXXX instead missing at least XXXX statements so I have no way of telling how much they originally charged me on this loan and what the fees were. Ihave paid on time for over seven years and have bank account statement proof but they have informed me they plan to close the account as soon as is paid and this is going to ruin my credit score. also I believe I have overpaid but they are still billing me over XXXX dollars. I have gotten no help from calling as no one can tell me why the late charges are there as they can see I was never late or what those fees are. They also can not tell me where the first XXXX bills are or what the initial terms or agreement of the loan was or what the initial amount loaned was and what their initial fee was. I have paid XXXX on this loan. Customer service ranges from trying to be helpful, but having no knowledge of the account to being extremely sarcastic rude and unhelpful. This has caused a great deal of harm to me financially and otherwise. I really need help at this point because I need this to stop asap or I am going to go under. current fico score was XXXX but have had to apply for new credit so I know its all about to snowball.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been reported for : SUSPECTED FRAUD ACTIVITY according to XXXX byBANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX opened a checking account with Bank of America over the internet XXXX 2010, Once notified, I went to the local bank on XXXX XXXX XXXX, XXXX XXXX and signed the signature card, etc. A few days later I tried to log into my account and it had been closed. I was upset since I had money in the account, so I went up to the branch. The guy said the account had been closed and would not offer any reason except that I would never be able to have an account again and they would mail me the balance from corporate. 
This is very concerning since I never did anything wrong, never overdrew the account or done anything at all. I am just now finding out that this was reported as suspected fraud activity. 
I would like to know exactly what I did that was fraudulent. I want this removed from my record. This is totally dishonest behavior by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: FL

Complaint narrative:
Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.

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 2017-02-26 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: NC

Complaint narrative:
I have a private student loan from Navient. I began paying this loan on XX/XX/XXXX. The original balance due was {$56000.00}. The balance due now is {$53000.00} I have attached my payment history document showing that I have paid a total of {$48000.00} towards this loan since XX/XX/XXXX. My interest rate is 7.75 %. I do n't believe this is being administrated correctly. I feel like I am being taken advantage of and I need help. I have called Navient thousands of times in the past ten years begging for help. Begging for an affordable payment or lower rate and am told time and time again there is nothing they can do. I was unemployed for XXXX recently after losing my job and Navient would n't help me with anything. I was told I ca n't defer or forbear because I did once right after college. I have obtained a new job but am not being paid much and I can not afford this loan anymore. I have fought my whole life to maintain my good credit but I am at my last stand here. If I ca n't get someone to help me with this I will give up and stop paying it. I am a responsible hard working person who made a mistake when I was XXXX taking out student loans. I did n't realize how corrupt it was. I do n't feel it is fair for them to ruin my credit and my life. I 'm XXXX and i was forced to move into my parents house. I have racked up credit card debt because I ca n't afford to live with this loan and my federal loans. I am begging for help with this. Thank you

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I ca n't get a power monthly rate even though I pay over 50 % of my salary each month to navient. They are completely unwilling to speak with me about my loans or refinancing and repayment options!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking account!!

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 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
WE WERE WORKING WITH AN ATTORNEY TO TRY AND GET A MODIFICATION ON OUR HOME LOAN WITH BANK OF AMERICA FOR OVER 3 YEARS AND THEN THEY ALL OF A SUDDEN THEY DECIDED TO FORECLOSE ON US. SO, WE HAD TO DO A SHORT SALE ON OUR HOME. SO WE LOST OUR HOME AND OUR CREDIT IS SHOT. WE TRIED DOING A CHAPTER XXXX BUT, WERE AS MUCH AS THEY HAD BEEN AND THAT IS WHY WE FILED TRYING TO SAVE OUR HOME.THE CHAPTER XXXX WAS IN XXXX 2013 AND THE SHORT SALE WAS IN XXXX 2013.

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