vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 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: NJ

Complaint narrative:
After graduation I had a few months until I needed to start making payments on my private loans. When the time came I went to XXXX/Navient to ask for my options, they gave me two : 1. pay the amount or 2. give us about {$2000.00} and we will freeze your account for 3 months and then you can start making payments. Neither of these were feasible to me because I did not have a job! So I did the only thing I could do and not make a payment and ignore their calls, stupid I know but there was nothing I could do. After a while of phone calls, and emails I finally called they said I needed to make a payment before more damage was done we discussed my finances and I tried again to get a better outcome for myself. Throughout my whole experience XXXX/Navient has misguided, manipulated and straight out lied to me when I when to them for guidance and help from the beginning. I was trying to be responsible and asking if there were options for me and giving me two unrealistic options for a recent graduate at the time. Currently I am still making a payment each month but basically all I am paying is the interest each month and my interest rate seem to just be increasing. I have other federal loans with XXXX and they worked with me and put me on an income based repayment plan. I have no problem paying back my student loans when I can actually afford it. The problem is at this time I can not keep making these payments each month that are not doing anything in bringing down my amount owed. In the end I am simply disgusted with the way I was treated by XXXX/Navient and learning that so many others are going through the same thing as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WellsFargo closed my Personal and Business account without a notice or a warning. 
I went to a branch to withdraw some cash and the teller informed me that both my accounts ( Business & Personal ) have been closed by WellsFargo. 

I called WellFargo Risk management more than 10 times to get information about my account closure, they could not give me a proper answer. 

The Risk management called me days after my account closure, said they will hold the funds in my account for a couple of weeks, then send me a cheque for the remaining balance. 

My business is legit, registered, licensed and comply with XXXX programs.

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 2015-10-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I work for a franchise. I received an message from a franchise with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
ocwen loan servicing llc reports a payment in XX/XX/2015 as 30 days late.i paid the mortgage on XXXX/XXXX/2015. ocwen did not apply the mortgage to my account. I requested a correction and ocwen denied it. ocwen increased the escrow amount in XX/XX/2015 without me receiving any notice. I sent in the amount I always sent and they did not apply my payment making it 30 days late. I ask CFPB to have ocwen to correct my credit reports to show I did make a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I loaded $ XXXX into my BBVA Compass Bank Clearspend Card and the card was forgotten at the XXXX location. 
My card was lost, and my money was fraudulently used. I immediately contacted Customer Service, and I have also provided a written Statement for Unauthorized Charges. 
I was told to wait 10 business days, before I will receive Provisional Credit on my Account, which I have n't received. 
Let me also point out that, the Cardholders Agreement states that " It may take up to 45-60 days to conduct its investigation on unauthorized transactions, but if by the 10th business days of receiving written Dispute Statement, and more time is needed, a Customer receives Provisional Credit, pending the determination of the Investigation ''. 
I am just imploring this highly respected Financial Service to honor its words, as stated in the Cardholders Agreement. 
Everytime I call to inquire about the investigation, its always a problem, as the representatives are rude, and have no update to provide. It makes me wonder why these Banks do things and we all keep quiet ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07 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: TX

Complaint narrative:
On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. 

In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. 

I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. 

Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. 

I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 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:
XXXX XXXX Loan Modification was cancelled because Bank of America incompetence since they never applied our first trial payment made over the phone with the case manager on XXXX/XXXX/XXXX which was due on XXXX/XXXX/XXXX as recommended by him and got a confirmation number. The following month I notified XXXX XXXX " case manager '' and emailed him my running balance and which clearly showed the funds were available to cover the payment, the case manager for BofA admitted to the error and assured me that they would correct the error immediately and to continue to pay which I did for an additional 7 month because the case manager continued to assure me that it would be corrected but after all that time I realized he was just trying to get as many payments from me as possible knowing that my loan mod would not be reinstated. There are many articles on Bofa stating the fact of incentives to employees to not approve these modifications. XXXX XXXX XXXX XXXXXXXXXXXX It is my understanding under the new RESPA rules that came into effect on XXXX XXXX they are required as the new servicer to obtain all loan information from the old servicer. 
Confirmation numbers payments from BofA were : Payments made to BofA : {$2300.00} First set of numbers below indicate the date paid " original lender was Countrywide '' XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX Attached : XXXX XXXX Loan Modification Approval from BofA XXXX XXXX Loan Modification cancellation from BofA for non payment Letter to BofA about payment not being processed after making a total of XXXX payments Email to case manager inquiring about issue Letter from Bank stating we had the funds the XXXX the payment was to be processed Running balance on checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent several written requests for VALIDATION of the bankruptcy shown on my credit report. No validation has been sent to me, yet they insist it has been verified and will not be reinvestigated. On XX/XX/2017 @ XXXX I called Experian and spoke with XXXX ( dept. # XXXX ) and asked HOW they verified it. He said they have people who to the courthouse to review records. I asked for a copy of the record they got. He then backtracked and advised they hire a third party company to go to the courthouse and review the records. I again asked for a copy of the report they provided with the documentation. He stated there was none, everything on their report is on my report. I stated I wanted to see the documentation they were using to place the information on my credit report. He stated they do not keep paper records. I asked for a copy of the report from the third party vendor that he was looking at on his computer. He said there was not one. I asked if he could at least provide me with copies of the documentation from each of the credit card companies that they verified all the accounts they have listed " discharged via bankruptcy ''. He said they have another department " verify '' that with the credit card companies. I asked if THEY could give me copies of proof they validated. He said they could not. Lastly, I advised that I had notified them on several occasions that they were incorrectly reporting my mortgage as " discharged via bankruptcy '' which is not true. It was sold to another mortgage company and I sent them a letter I obtained from the new mortgage company stating same - and they still have not removed it from the report. He said he does not see a copy of a letter in his computer so he can not remove it. It is shameful that these people are ruining lives by limiting access to credit using incorrect information! They clearly do not verify or validate anything I have disputed - they look it up on their computer and say " Yep, it 's verified '' and move along. I asked XXXX how they could write a credit report with all this harmful and incorrect data and can not even provide me with proof that they validated the information. He flat out had no answer. I have sent them proof that the address for the mortgage they are reporting as discharged is incorrect, that XXXX does not even have an account for me any longer and they still have not removed those items either. Is n't reporting incorrect information punishable by a fine for each offense? Should n't they be able to provide proof via legal documentation and means of the Bankruptcy and associated credit cards showing as discharged? Please take them to task and make them do what 's right and delete negative items that they have validated. 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 2016-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I had XXXX private student loans for daughter to attained XXXX that was a private school. Both loans were in my bankruptcy I file in XXXX. My attorney told me to keep paying on the loans anyway he thought it was a mistake but it was n't. After discharge the loans were closed for lesser amounts in XXXX. Sallie Mae never sent me a letter or contacted me to tell the loans were closed. I continued to pay on the loans for over 2 years and three months after they were closed. Also they did not apply any of my payments during the 5 years of the bankruptcy or the two years and three months after the discharge I paid toward the loans. I have called them five times about getting my money back. They have told me that they put the payments back into my bank account but they did not and said I would get a letter in three weeks that I never received. Call back six weeks later and was told it was in the audit department for review and it would other three weeks and never heard from them. I called again in six weeks and was told it was still in the audit department. Six more weeks I called again and now they are saying I never have had a loan with them. I called them again around XXXX/XXXX/16 and now they are saying I did have the loans and they were transferred to XXXX. XXXX said no they never had the loans and Sallie Mae has them. Now they are pointing the fingers at each other. All I know and have told them that all the checks are stamped deposit by Sallie Mae. They either owe me {$11000.00} I paid them during my bankruptcy plus {$5000.00} I paid after they closed my loans. But I do know they owe me over {$5000.00} or all the payment I made after they closed the loans. I have all my bank statements and the checks they deposited into there account from day one. They have also listed the loans as being in bankruptcy and closed in my credit report. XXXX of credit reports have removed them XXXX stills has it listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have a loan through XXXXNavient. They call me several times a day, often once an hour or every couple of hours. I consider this harrassment and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I paid my Macy 's credit card in full on XXXX XXXX, 2016. I also closed my account, requested and received a letter confirming this. On my XXXX 2016 statement, they showed my payment in full zeroing out the account, but they then assessed a finance charge of e of {$13.00}. On the XXXX XXXX statement, they assessed another {$2.00} fee, now totaling charges of {$15.00}. On the XXXX 2016 statement, they charged a {$17.00} fee, bringing the total to {$33.00}. I called on XXXX XXXX and asked that the total charges of {$33.00} be removed and a zero balance letter be sent to me. She assured me my balance was {$0.00}, and I received a copy of the zero letter. I checked my account on XXXX XXXX, 2016, and I still have a balance of {$19.00}. I called XXXX XXXX and was told they would remove the {$19.00} to zero out my account. I received the employee 's id # and name. I forgot to mention that they had a credit collection agency call and try to collect this amount from me. I have never had a collection agency call me, and I was very upset about this. I believe this is very poor customer service. I paid off several other accounts when I paid Macy 's off, and had no problems. I cancelled this card because of the poor customer 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 monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
About 1 year ago I when thru a XXXX many things were going bad with my kids XXXX, XXXX all kind of situations took me about 6 months to put myself back up and I try really hard to cut up on many thing that I left behind. 
the most important thing I ever have its my house I want to please have another chance on keep it I have a lot of documents that can prove my willingness on doing so but I also think that bank of America did not help me and because of that I felt for a scam witch I trust for this company they suppose to help me with my loan modification. 
please review my loan again, my house was in a loan review and little be after I was decline for any help they foreclose the house, until this day the house is not for sale or by a 3rd party, bank of America owns the house.

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 2016-03-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened an XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I looked at several cards before applying, but decided that i wanted this card because of the welcome bonus of XXXX pts after XXXX in spending. Before applying, i specifically asked XXXX if i qualified for the bonus, and they told me yes, and restated the terms i described above. 
Today, i online chatted with them trying to see why i had n't received the bonus - they told me that i had a gold card that was closed in XX/XX/XXXX. I now see in the fine print that you can only receive this bonus if you have n't had the card before. My problem is that they specifically told me i qualified for the card even though i last had it years ago. 
I feel this is at least a bait n switch technique, and at worse - fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On or around XXXX XXXX, my XXXX XXXX was taken over by Navient & my due date was changed with no notice. I began paying my student loans monthly through Navient ( I have never missed a payment since I started paying approximately the XX/XX/XXXX ). Although making payments in a timely manner, I noticed it continuously said late & they were charging me late fees. I did call & spoke to a customer service representative who confirmed I was making my payments. Around XXXX XXXX I submitted a payment ; however, my account said delinquent. When I called they were extremely rude and explained I had been overpaying on XXXX loan and failed to pay on the XXXX loan. I had originally consolidated my XXXX with my private loan through XXXX XXXX so supposedly they had put my payment towards XXXX and not the other. My credit score had subsequently dropped in 2-3 months from an XXXX to around a XXXX with a delinquency on my credit report. I have been working hard to raise my credit score since and according to my credit report I range anywhere between a XXXX and XXXX now. I had made numerous complaints through Navient and was told by their customer service reps : " too bad. '' Since then, I have consolidated my federal loan through XXXX to receive loan forgiveness as a government worker and also to get XXXX loan out from under Navient ; however, my private loan is still through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of XXXX XXXX XXXX filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by Stillman, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. Stillman Law acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that Stillman entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called Stillman law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. Stillman in fact was overpaid and collected monies from my Michigan state income tax and my wages.

Company response to consumer: Closed with explanation