vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I am a XXXX and will be XXXX years old this year. I borrowed {$42000.00} for combined XXXX and XXXX school. I have been repaying my loans on time since XXXX. I have never been charged a late fee and purchased my house in Connecticut in XXXX with a 2.7 % interest rate because of my good credit rating. I contacted Navient to ask why I still owe {$41000.00} after paying {$340.00} a month for 16 years. I was informed that there were fees such as " administrative forbearance '' that accounted for my present principle balance. I requested my payment records and each month that I make a payment, the fees cancel out that payment. I have done everything possible to pay this debt. I consolidated my loans and applied for loan forgiveness while I was working as a XXXX at XXXX XXXX XXXX and was then informed that I was not qualified because XXXX XXXX XXXX was not a participating facility in the loan forgiveness program despite the fact that we XXXX. XXXX XXXX XXXX outsourced our jobs in XXXX, four months before I would have been able to retire with health benefits. I am now working at XXXX, who just laid off XXXX of my co-workers. I have repaid Navient and XXXX XXXX {$65000.00} to date and still owe {$41000.00}. I can not pay this off. I contacted the Ombudsman at the Department of Education who said that it was normal for Navient to charge administrative forebearance fees. I later learned that the Ombudsman works for Navient. My Social Security wages will be garnished. I understand that the people who invest in the XXXX XXXX XXXX are guaranteed income and that the Student Loan Servicers, XXXX XXXX in particular, have had their stocks increase by 65 % since XXXX was elected. But I am not going to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient. When I was experiencing financial difficulties they told me I have no opinions. For years I paid what I could covering interest only. They falsified information I could have used to pay off my loan earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: IN

Complaint narrative:
My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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 graduated in XXXX 2010 with over {$100000.00} in student loan debt. My loan payments to-date, per month are nearly {$1000.00}. I have paid every month nearly {$1000.00} since graduation and my student loan principal has not gone down, it has increased in fact. I tried several times to refinance or have my payments lowered based off of my income and I was told multiple times that my monthly payment is the lowest they can allow. I have paid almost {$84000.00} to-date and have nothing to show for it expect a higher debt. XXXX XXXX and now Navient did not work with me to lower my monthly payments or even lower some of my 12 % interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Have continued to dispute that the following inquiries we not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services
State: MD

Complaint narrative:
I was contacted by XXXX at Integrated Svs. regarding a complaint that had been red flagged for fraud. When I returned XXXX called he indicated that the issue for my dad ( Sr. ), they were n't able to give me information without him.I called the company back on three way with my dad. The customer service reps attempts to verify the last four digits of a SSN. It is not my dad 's number, so he says no. The CSR proceeds to provide DOB that is my brother 's. My dad says no and then the CSR starts yell and say that he is lying and he knows it 's him. I try to interject and let him know he had the wrong person. He told me I needed to shut up and listen. He threatened legal action and mentioned some other judgement. He 's still yelling and I 'm trying to out yell him to let him know he has the wrong person. He continues to spew insults saying that " the whole family has issues paying bill ''. I told him he has a problem and he proceeded to say " I do n't have a problem, I go to work everyday and pay my bills ''. So many other things were said by XXXX that seemed totally inappropriate and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I am currently experiencing some of the same issues involving navient. I took a private loan out to repay for my XXXX XXXX. I was informed that these loans are in forebearance rather than deferment while in school. So a small loan turned into a large amount which is currently accruing interest while in forbearance. I feel as though I have been lied to about the correct appropriations of my repayment efforts. Furthermore, Navient did not consult me regarding my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
When ever the loan provider was issued a social security number and a signature the loans should have been discharged through the Treasury ... This process was created by an act of Congress in XXXX. XXXX XXXX XXXX ( XXXX stat. XXXX ) was designated to discharge all obligations dollar for dollar. The loan provider is unaware ( due to the lack of knowledge ) of such passage of the Banking and Banking Regulations XXXX XXXX XXXX XXXX XXXX. Where all obligation are to be discharged dollar for dollar. The loan provider is unaware ( as are most Americans ) that the United States dollar no longer exists. What we think is money is actually not money but a promise to pay at a later date. XXXX XXXX XXXX ) These notes appear to resemble the United States Notes by the similarities of appearances. The only difference with these notes they are titled XXXX. If XXXX pays attention to the fine print on the XXXX it will say " This Note is Legal Tender for All Debt public and private ''. So in order for XXXX to repay any loan would be illegal since a debt can not be repaid with another debt. Thus, why Social Security was Instituted in XXXX called the XXXX. The United States had to create an unlimited credit line for the people due to the existing economic crisis. Those unlimited accounts are our Social Security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
Our mortgage servicing company OCWEN every 6 months sends us a notice that our Condominium Association Master Insurance Policy on our rental property has expired. It then requires us to contact the Homeowners association and master insurance company to provide all the master policy information, endorsements, etc., etc. What on earth is the mortgage servicing company getting paid for if not for basic services like establishing contact the Homeowners Association to verify their Master insurance coverage? We are hounded every 6 months with this repeated huge paperwork exercise. OCWEN is getting paid to do this or do I misunderstand their obligations and what they are being paid for? We understand perfectly our requirement to verify we have homeowners insurance on the condo itself. 
This is just one of the regular hassles that OCWEN puts us through because they do not follow up on the information we provide or require repeated re-sendings of information and paperwork because they lose track of our material. OCWEN is without a doubt the worst organization we have ever dealt with concerning mortgages and insurance. Constant difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. 
https : //XXXXconsumerfinance.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Logan View LLC
State: OH

Complaint narrative:
We receive back to back threatening letters to sue us and contact us at work. I called to arrange something and they repeadely said my whole families information and ss #. Very violating of my families information. Would n't answer me to why he needed my ss # when the bill is in my husbands name. Constant letters threatening us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.

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 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
Zenco collections called me early this month and threatened me saying that I had committed tax fraud and the irs was going to take me to court and also saying I was being charged with intentional defraudment. This guy had my full ssn, dob, address, my new husbands father 's address and my account balance from my last payday to the penny. I of course got scared and made the mistake of giving info. I then had to change bank accounts when I discovered this was some type of scamy or flat lie. My mother is a retired supervisor adutior for the  XXXX  and my husband is a legal assistant. So I talked them and did research. Then spoke with my bank and closed account. Now they are calling threatening me with more legal action. I have it recorded as I have a call recorder on my phone. The guy would n't even tell me what the loan was for and says he has video and audio of my ex husbands and I getting the loan. The ex-husband involved and I divorced 10 years ago! They have n't contacted him but are threatening me. I saw on here they have done this  XXXX  other times.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our home is being foreclosed on fraudulently. Once a month we would get a note says XXXX is claiming that the home is empty, so we would call and tell them that we lived there ( phone records to prove it ) The letters stopped A few months ago. Since then XXXX XXXX that look like XXXX showed up at our home while we were at work. Claiming to be from the bank. They told our neighbor that they had to clear the property and make it look like no one lived there. They stole items from around our home, yard, back deck, and threw our dog igloo house and lawn mower over the deck down to the creek. We have neighbors that witnessed this. They have enter our home illegally and changed the locks not once but twice on our back door even after leaving notes that we live here. We have their lock boxes to prove it. Our XXXX chickens disappeared and stuff inside there coup was stolen as well. We submitted a request for re-modification through a HUD approved housing counseling agency. Fax transmittal to prove it. A few days later they filed paperwork with the county clerk to sell home. Our home is still up for sale on XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX approved our request for re-modification then took it back and said there was an error. Denial was based on them assessing our home way above actual value so we would n't qualify for re-modification that we in fact should have qualified for. We appealed it and included an appraisal as well as 6 local comps to prove what is was truly worth. Then they switched servicers on us. I believe that Bank of NY Mellon does n't want to re-mod our loan even though these programs were created specifically to help people like us.

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 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In XXXX of 2006 I contacted my mortgage company which at the time was XXXX XXXX and ask if my mortgage could be changed from the XXXX to the XXXX. I was told that in order to do that I would have to refinance the mortgage or pay an early payment. I paid the early payment XXXX XXXX of 2006. However the XXXX XXXX payment which was made from my bank, according to XXXX XXXX was not received. The early payment that I made in XXXX on the XXXX was considered by XXXX XXXX to be my XXXX payment and was considered to be late. I have documentation from my bank and from the electronic fund transfer company stating that the mortgage payment in XXXX was deducted from my account and sent to XXXX XXXX. This payment was sent back to my bank but my bank sent it back to XXXX XXXX within 2 weeks and XXXX XXXX received the payment. Though they received the payment XXXX XXXX never documented the payment as being processed so my mortgage continued to appeared to be late. A letter as well as documentation showing that the mortgage was deducted from my bank account and received by XXXX XXXX was sent to Ocwen explaining everything that had happened. Ocwen refused to converse with me so I had a lawyer contact them. My lawyer stated that she was never able to speak with anyone in their law department in attempt to correct this mistake. She felt that my only recourse was to sue them. I am currently in the process of attempting to refinance my mortgage at a lower rate but Ocwen is giving a pay off amount that includes {$6200.00} in late fees which I do not owe. This entire fiasco has affected my credit score and is now going to cause me to lose my locked in rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This seems to be the only way you can respond to a response about an ongoing complaint I have read the response that was supplied to you by Wells Fargo. 

I have a number of issues with their response the first being they are asserting that I agreed to a 15 years mortgage over the phone, yet did you ask them to play this so called recording of my original conversation with them with my agreeing to this? I did and they refused to play it. I feel you should ask them to play it and if they do and they have not doctored it you will hear exactly what I have been saying all along that not only did n't I agree to anything I also asked if I signed the " The Request To Terminate Future Advances '' Sheet that I would not be bound to any mortgage. I was told yes I would not be bound to any program as you will hear on the recording. If they refuse to play it I think that speaks for itself and they should be found guilty of fraud. 

The second issue is I never received the letter dated XX/XX/2016 which supposedly was sent to me. The only letter I received in the mail during that time from Wells Fargo was the form to sign which I was told was to get further information on programs available, the form being " The Request To Terminate Future Services ''. When I asked XXXX XXXX when would I have received that XX/XX/XXXX letter he told me along with " The Request To Terminate Future Services ''. I did not receive that letter because it was never sent and if you look at the bottom of " The Request To Terminate Future Advances '' it says Pg 1 of 1. So if the letter of XX/XX/XXXX was sent with it I would think it would say page 1 of 2, with pg 2 being the letter or viceversa. 

It is common knowledge that Wells Fargo has taken the liberty to scam the public in a variety of ways. What has happened to us there is just no excuse for and it is criminal. To lie and try to manipulate people is wrong and we hope you require them to produce this so called recorded conversation.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have repeatedly disputed credit inquiries that are duplicates and not authorized to the best of my knowledge. I have asked that they 're removed as allowed by law, due to Experian 's refusal to verify as requested.

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 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had disputed this Bankruptcy and requested validation that this Bankruptcy belonged to me and I requested the name of the persons who validated this information. Experian ' s response was they verified it.. First of all verification is NOT validation and the law requires the consumer is entitled to validation and what process to do so. Is used. The Bankruptcy court does not validate to the credit bureaus. That was made very clear to me when I inquired through the United States Bankruptcy court. I was not provided any information regarding validation which is proving something with my signature. I am requesting that the Bankruptcy listed under my credit file be deleted immediately since they can not validate it. Also since I disputed it with the credit bureau, they have my online access to my credit report and stated I have to get it through the mail. This action is deliberate because I disputed this issue with them online.

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