vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have an interest only loan with Bank of America that is going to re-ammoritize to a XXXX year loan. My house was hit by Hurricane XXXX and has lost a significant amount of value in addition to the housing market taking a fall. My loan is not HARP eligible which would have allowed me to refinance without an appraisal thus getting out of the high risk loan I am in now. When calling Bank of America they told me they do not have an in house HARP loan that would allow me to refinance or adjust my loan for a fee. My only options from what they said is to modify the loan. In order to do so I will go on a " trial '' payment for XXXX months. For those XXXX months they report my mortgage as late. I have worked my entire life to maintain impeccable credit. This will be devastating to my credit score. My only options beyond that are to try to sell it as a short sale or foreclose. I prefer to work within the system, I understand it is not their fault my home lost value. I just want to be able to refinance for a lower rate to make the payment more affordable. They are not willing to help. I am hoping for some advice. I have an NMLS number and have taken continuing ed. In one of the statements from the CFPB it encourages banks to refinance high risk loans with limited documentation. How do I get them to do that without affecting my credit negatively? Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: TX

Complaint narrative:
I graduated XXXX XXXX XXXX ( XXXX XXXX XXXX, TX ) back in 2006. They are supposed to help you find a job but later they just forget about you. I submitted my resumes to a lot of companies back then with NO LUCK / NO RESPONSE. I have n't been working on my field because I have not been able to ... I found out right after I XXXX tried to sue our campues because all of them went on job interviews and COULD NOT get a job - their reason was " XXXX software was too outdated and old '' and what they had been learning was not up to date in the " real world '' - I wish I would have known this while I was still attending because I would have dropped out .... They don ; t really help you get a job like they claim, they do not transfer credits so you ca n't really go anywhere else.. I am a single mom with no child support - I am stuck with a XXXX privete loan that I have not been able to pay because I was trying to make ends meet. I got evicted from my apt . a few years ago. I have been paying something every month towards my private loan but I can barely make that payment to NAVIENT ( well, directly to XXXX collection agency ) - There 's has been a lot of lawsuits against XXXX XXXX on different states and more and more students are joining. I feel like I should not be paying for this since no employer back then was interested at all and XXXX XXXX did nothing.That school is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a dispute for a charge on my credit card with Bank of America on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for " incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Bank of America has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Bank of America, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.

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 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank will not cancel my PMI on a 30 year conventional loan despite a proper request. I first requested it be cancelled several years ago and I understood I had to have 20 % equity. We paid about {$500.00} for an appraisal and it was around the 20 % equity threshold. We received a letter rejecting our request from the bank stating we needed 25 % equity. Where did this arbitrary threshold come from? We had no known recourse. 

Second, I recently again requested PMI be cancelled. We paid about {$500.00} for a 2nd appraisal and this time we clearly have at least 20 % equity. However, in the interim, and for the first time ever in the almost 10 years I 've had this loan, we accidently paid the mortgage 1 day late. Let me explain - my daughter was very ill and we were focused on that and did n't pay on time. I realized the error on the last day of the month ( payment is late if it is not paid by the end of the month due ) and called the mortgage company to explain what happened and went online and paid that day when it was still timely. However, it was already in the evening and the payment could not be processed until the following day, making the payment 1 day late. Based on paying 1 day late we now have to wait an entire year before we can again request PMI can be cancelled so that we have a year of on time payments. I called the bank and asked them to reconsider as a courtesy and explained it was a one-time error due to extreme family circumstances ; I posted a payment timely, called to explain the situation and explained the situation online, but the payment did n't process until the following day. They declined and are still requiring we continue to pay PMI. 

Through paying for 2 appraisals and the continued cost of the PMI for at least another year, we are out about {$2200.00}.

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 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went to Bank of America Branch XXXX on XXXX XXXX XXXX in XXXX XXXX Every month I deposit my rent in landlord BOA Account. I usally do a cash advance from my credit card and then deposit in landlords account. Branch was unable to process cash advance due to their machine being offline. Teller manager suggested I go to branch XXXX on XXXX XXXX XXXX as their machine was working to process cash advance. Went to branch and was told by teller that BOA did not process cash advances for non-customers. As I have done this at BOA for the past two years I went to manager for clarification. the manager, XXXX XXXX told me that BOA stopped doing cash advances for non-customers about one year ago. I questioned this again and again but was sternly told they would not process this. I then call BOA corpoate and was told I was lies to. I filed a complaint through BOA corpaorate and the first branch I went to. Both said BOA did process cash advances for non-customers and I was not told the truth.

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 2015-05-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 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: GU

Complaint narrative:
On XXXX XXXX, XXXX, I filed an Identity Theft Complaint with the XXXX Attorney General Office, XXXX, and my banking institutions as there was someone who had access to my XXXX credit card account to pay for monthly credit reports from XXXX from XXXX XXXX to XXXX XXXX. 
In addition, I received a letter from Navient on XXXX XXXX informing me of my rights as a borrower. I shared with the AGs Office that I believed someone would use the information from XXXX to apply for a student loan. 
I called Navient and had written to them of my concerns. On XXXX XXXX, I received a billing statement indicating that I owed {$320.00} unpaid principal from an old XXXX XXXX loan of XX/XX/XXXX. Navient is contending that the loan was an outstanding balance from an old student loan of XX/XX/XXXX. I informed the customer service representative that I had paid off that student loan in XXXX. I personally had called XXXX XXXX in XXXX and the customer representative approved the amount of {$20000.00}. The balance in XX/XX/XXXX was {$20000.00}. I then borrowed a personal loan from a local lending institution to consolidate my outstanding loans, one of which was this XXXX XXXX loan. In no way was this Navient loan mine. Navient disagreed. I then asked that if, in fact, it was my loan why was n't I contacted. Navient shared that the only address it had was an old email address. The former mailing address was no longer owned by me. I do not believe Navient was unable to contact me. The old mailing address was a post office box. The post office would have forwarded all my mail to my new address which is situated in the same building for 30 years. I am in fear that someone used my personal information to concoct this loan to pay off someone else loan. Navient has not responded to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient has not allowed me to access my online account for over a year. I need this access in order to make payments and check documents. As of right now the only way I can make payments is through the phone. Navient charges a fee to make a payment through the phone. It is posssible that Navient purposely restricts access to online accounts in order to make extra money through fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America illegally transferred my loan to different lenders and banks without proper notification to me. Once I was not in a position to continue my mortgage payments, Bank of America dumped my loan on other lenders and separated my XXXX and XXXX mortgage which made it extremely difficult for me to negotiate and follow whatever crumbs which were left for a paper trail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: ME

Complaint narrative:
There was a period of time when I was supporting myself and my husband on a single income ( he was unable to find work ), making less than $ XXXX/yr for XXXX people, trying to pay for rent and food, and was unable to pay my student loans. The company did not provide any other payment options for me and I gathered compounded interest for over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: TX

Complaint narrative:
I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE
State: NJ

Complaint narrative:
Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC
State: NE

Complaint narrative:
The collection company involved, Bayside Capital Services, while we were visiting my Aunt and Uncle in XXXX, somehow found out we were down there and somehow obtained my Aunt and Uncles phone number. They began calling them wanting to talk to my wife, and threatening that if my Aunt and Uncle did n't put us in contact with them immediately that they would receive a visit from an unspecified person, an assertion that greatly upset my Aunt. 

We live in XXXX, XXXX miles from my Aunt and Uncles house, and we had no contact with them while we were down there. How they found out we were down there and obtained my Aunt and Uncles number is very concerning. 

When we got home, they called and spoke to my wife, the first communication we have had with them, they immediately demanded that we make a payment to them or we would receive a visit from an unspecified person, my wife was scared by what they were telling her and she consented to making a payment. 

I sent them an email, explaining how upset I was and telling them that I was aware of the requirements of the Fair Debt Collection Practices Act as far as what they are allowed to do to communicate with us, and also what they are required to do, including furnishing us with the relevant documentation and allowing us the requisite time to dispute the debt. 

The next morning, they deposited the money they had coerced my wife into allowing them to deduct, back into our joint account. They then called and addressed some of my concerns that I addressed in my email, we missed the call, they left a voicemail. 

I called them back and they immediately began attempting to try to get me to just go along with their ridiculous, illegal tactics, I did not. 

I explained how upset I was about what they told my Aunt when they spoke to her and the individual I was speaking said that I had no proof that they had said those things to her, intimating that my Aunt is lying ... which greatly upset me. 

I told them I was going to pursue legal action against them and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I currently have a loan with XXXX and have been making payments regularly. I am now being charged from Blackwell Recovery which they indicate I owe {$1200.00} with account # ( XXXX ). Payments are made satisfactorily. My payments are for {$260.00} a month and are auto-deducted from my personal checking account. Please remove this derogatory from XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. 

My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. 

When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation