vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Sallie Mae was my initial loan servicer but then Navient took over. I am having problems with Navient who keeps trying to get me to go into forbearance, which I do not want to do, and the rep keeps telling me that anyone who is past due 3 months will automatically be put into forebearance, which I am totally against. Due to COVID-19, the White House announced 0 % interest on Department of Education ( DOE ) loans effective XX/XX/XXXX. However, Navient keeps telling me that I do not have a DOE loan ; therefore, I do not qualify for 0 % interest and I must apply for forbearance.I keep telling the multiple reps and supervisors whom I have spoken with, that my loans are DOE loans. I heard about the past lawsuits where Navient was incentivizing employees to encourage burrowers to postpone payments through forbearance. It appears that they are at it again. Please assist in this matter. Navient needs to be stopped with this draconian style of servicing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. EXPERIAN : XXXX   XXXX/XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX-XXXX  XXXX # XXXX {$2500.00} XXXX/XXXX # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX  XXXX  # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00}

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 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposit cash in the amount of {$500.00} in check slot by mistake while depositing money in my checking account at Citizen Bank XXXX XXXX ATM. Reported the incident and called for claim also talked to Citizen Bank Branch employee at that time. Citizen Bank claims department gave me a claim number and a temporary credit of {$500.00}, while they investigate and wait bank to report ATM overage. After a month and a half bank can not track my money and took the temporary credit of {$500.00} back from my checking account. I have receipt and prove that I made the deposit and cash did not came back from ATM when I put them in check slot by mistake instead of cash slot while depositing. Attached you will find receipt for that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My loan balances are incorrect. I have addressed these issues with my lender and national data base. I have paid over XXXX on my loan plus payment on interest when I was in school. I constantly being taken advantage regarding my loans now they have move my loan to another servicer so I can remain further in debt to capitalize on a that should have been paid off. This is called loan sharks. I'm about to loose my home, car and everything due to all the fraudulent activity they have done on my account. Sallie Mae fraudulently consolidate a loan without my signature then Navient takes over put my account in forberance into default. Then Navient sells my account splits it up like I have serveral loans to capitalize on money under their umbrella companies. They never offer me any kind of assistance to help me with my situation. I'm a single parent who only took a two loans totaling XXXX now they got me paying higher interest and tons of fees. They took advantage of me a consumer who only took out what I needed not thousands of dollars in student loans. XXXX XXXX is my name not XXXX XXXX cause she doesn't have any loans. My email address is XXXX. please help me with the predatory loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EDvantage LLC
State: CO

Complaint narrative:
There is currently a temporary restraining order due to an FTC lawsuit against XXXX. My loan is with Tuition Options for classes I purchased from XXXX ( XXXX XXXX XXXX. ) The temporary restraining order clearly states that XXXX is temporarily barred from collecting payments on the loans it made to customers to finance purchases from the company, and it is not allowed to sell the debt to others or report consumers to credit bureaus for non-payment of the loans. 

Tuition Options continues to contact me to collect the loan payments. I responded in writing and attached the case file but the tell me " Tuition Options is aware of the investigation and we were advised that XXXX XXXX XXXX is disputing the accusations. At this time, the loan serviced by Tuition Options is still due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2019 we reported a fraud dispute form to SuperFleet Mastercard stating that one of our company gas cards had been stolen and there were multiple fraudulent charges made at a gas station in XXXX Ohio. There were multiple purchases of Premium Gasoline made on the same day very obvious fraudulent activity. SuperFleet would not cover the charges and sent our statement to a collection service.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  XXXX  # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} TRANSUNION : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00}

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS  # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} EQUIFAX : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX  XXXX  # XXXX {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Since XXXX XX/XX/2020 ( 4 days ) I have been trying to reach Chase Bank Mortgage Services to no avail. During this " Corona-Virus '' crisis, I have been laid off and in need of mortgage deferment. Getting in touch with Chase Bank has been an even bigger nightmare. They have effectively made it impossible to get help. Every day ( if you can get through without having your call dropped ) they have a 12-Hour plus hold times. If I fail to make my payments, I am 100 % certain Chase Bank will penalize me. If Chase does not take their own telephone calls, should they too not be held responsible or penalized? Just to be clear, going to local Chase Bank Branch does absolutely nothing, they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
we are in the middle of a worldwide pandemic and capital one has FAILED for WEEKS To answer the phone. They dont have an email or secured site where you can submit a call back request or an extension for those of us that are impacted. DAYS we have been holding. NO ANSWER, It appears that they have hired pr to talk about how well they are handling this situation yet NO ONE has been able to get through. My payment is due in 2 days. I would like to schedule an arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
EXPERIAN : XXXX XXXX XXXX XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDXXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$4200.00} XXXX CARD # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX   {$12000.00} XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF ED/XXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} EQUIFAX : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX  XXXX  # XXXX {$4200.00} XXXX  XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
FedLoan more than doubled the monthly payment for my income based repayment plan without warning or cause and withdrew it from my bank account. I have attached statements from FedLoan showing that my expected monthly payment has been {$290.00}, as well as letters from FedLoan saying my IBR recertification was not due until XX/XX/XXXX. Yet today, I saw a statement for {$670.00} without explanation, looked at my bank account, and saw that yes, {$670.00} had been withdrawn. I called Fedloan and asked to speak to someone from their IBR department, and was told that the entire department was closed for COVID. They further told me that it looks like it was an error at their end but there's nothing I can do ; I just have to recertify early.

They know that I am enrolled in PSLF so can not switch to another servicer, and they know I do not have the money to press charges in court, or would not be on IBR. This is truly horrible. They're openly and freely exploiting and extorting people who they know have no means of fighting back during a pandemic. I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello! 
I have my home mortgage with Santander Bank, NA. 
Due to being laid off part time from my job due to the COVID 19 quarantine and lack of business, I fear that I will be unable to make full payments monthly to Santander Bank, NA for XXXX, XXXX or even any month after until we hopefully return to a better economy. But we are not guaranteed getting our jobs back either. 
When I called Santander Bank, NA at their Customer Service number to discuss options on XX/XX/XXXX, they were rude and had no plan or solution. I realize that they are also using leveraged monies, and have their needs, but if they could decrease the payments, or defer the payments somewhat for several months could be helpful, as Bank of America has done. 
Their customer service numbers are XXXX and XXXX. I have had this loan for one year and have made all previous payments on time, and do not want to fall behind or decrease my credit rating. 
Thank you so much. 
XXXX XXXX XXXX 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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I found a collection account on my credit report from Sequium. They were collecting for XXXX XXXX. I never received a notice from them as they had an old address. I called XXXX XXXX and paid the balance to them on XX/XX/2019 and at that time XXXX told me that once the payment went through, that this account would be recalled back to XXXX XXXX and Sequium would then be removed off of my credit report. Through many phone calls and lost hours on this, Sequium is stating that they never got these notes and XXXX XXXX is telling me that they have called Sequium to get this resolved. 
I am in the middle of my mortgage loan and this is impacting me and it has been 4 months and I need this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I put my information into Qucken Loans website on the XXXX just to get a loan quote. I am 98 % sure it was not a formal application for credit. Since that time, I have been bombarded with calls, 24 in total along with voicemails. I am a XXXX XXXX with the FDIC, this practice seems to be very aggressive toward consumers and may even influence a consumer to rush into a loan. To contrast, I filled out a pre-approval credit application with my financial institution on the same day and they have only contacted me twice. Please Quicken, end your practice of aggressive calling. I am not going to use any of your services because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Since beginning of COvID-19, Citi bank decided to place 10 days hold on all payments to ensure they clear the account. What makes no sense is that even after payment posts to the checking account the available balance does not update for several more days. They are holding peoples money without updating the balances.

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Over the last week and a half, I have called and spoke with Fifth Third Mortgage 3 times. Most recently I had a conversation around XXXXXXXX XXXX EST. 

I informed them that I was aware that XXXX XXXX ( who my loan is associated with ) was urging service providers ( in my case Fifth Third ) to defer payments up to 12 months. 

My husband and I are XXXX XXXX people in the XXXX industry and not only has our cash flow immediately halted, but we are hemorrhaging money with refunds due to cancellation relating to COVID-19 and travel restrictions. 

Although we were being proactive anticipating this hardship I was informed by Fifth Third that I only had one option : To defer my payments for 3 months at which time they will ask me to pay the 3 months back in a lump sum ( {$4200.00} in my case ), and if unable they will address it or modify my loan. I can state with certainty that even if my businesses bounces back and we can operate within 3 months that we will not be in a position to pay {$4200.00} nor is modifying my loan an option. 
I'd like to know why Fifth Third is not following the instructions from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage company has a bare bone customer service department. I called to get a mortgage payment question resolved and was on hold for 1hour and 17 minutes XX/XX/XXXX only to be disconnected. The next day XX/XX/XXXX I sat on hold 46 minutes until someone answered. The representative barely spoke English and very hard to understand. It is obvious the company is operating a bare minimum customer service department.

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