vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX/XXXX/XXXX Dear CFPB, My name is XXXX XXXX and I am submitting a complaint towards Santander Bank, N.A. ( with regards to being the successor to Sovereign Bank [ XXXX based ] ). My father-in-law, XXXX XXXX, and I have had an XXXX accident a couple weeks back ( XXXX/XXXX/XXXX ) and are at the point with the insurance claims adjuster requiring the title for the vehicle. 

The original title, and current title shown in the XXXX XXXX website, show that there is a lien on the vehicle. The vehicle is a XXXX XXXX XXXX XXXX, purchased in XXXX from a XXXX dealer here in XXXX, and there was a 5 year loan placed on the vehicle ; which means that this vehicle 's loan was paid off sometime around XXXX ; 11 years ago. 

After speaking with XXXX title department, it is to my understanding ( as well as theirs ) that Santander Bank, N.A. is the sole successor to Sovereign Bank and that they alone *should* have records of all previously paid auto loans. The representatives I have spoken to at XXXX title department have stated in order to have the lien released from the title, Santander Bank, N.A. is supposed to create a letter stating : " Santander Bank, N.A. is not interested in the vehicle or it 's previous auto loan. The loan for this vehicle ( with VIN #, year, make and model described ) is satisfied, and that Santander Bank, N.A. is the successor to Sovereign bank. '' This written document by an official of Santander Bank, N.A. is supposed to be notarized or signed by the official creating the document, then mailed to the recipient in need of the document ; this can then be submitted to the XXXX in order to create a duplicate title without a lien/lienholder stated. 

I have since spoken with multiple representatives from Santander Bank, N.A. personal consumer department and auto loan department, and neither have helped me in any such way. I have been told that because there is no account with regards to my father-in-law or his mailing address, or vehicle ( searched by VIN # ), Santander Bank, N.A. will not issue a letter of " No Interest. '' Without help from Santander Bank, N.A. in this matter, I am at a complete loss. I urge the CFPB to please help me resolve this matter so that my father-in-law can rightfully buy-back and repair his own vehicle, and that the title ( for which my father-in-law is entitled to having this matter resolved ) is corrected and either showing no lien, or that the lean is satisfied. For the past two weeks, I have not been able to create any progress with this matter ; I am exhausted and running out of resources to resolve this matter. 

Again, please help me resolve this situation so we can all finally move forward. 

Thank you for your consideration and for you help, 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
Consumer complaint received 2017-02-09 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: AK

Complaint narrative:
Both Fed and non Federal loan should be able to be checked, I have both. I was injured on the job and because my employer chose to keep me employed and use the feral program for reeducation before my separation was forced, I ended up with both problems of having to fund my own and use loans as well as face unemployment with injuries. XXXX with XXXX with time. This was known to the first application then sold to the next holder and always mentioned by myself to the originator and have not for so many years been offered help to apply for forgiveness of some kind if at all available only to differ under forbearance. All the while the state has full overview of my case seeing that it was to provide for medical care for life yet the private and the state insurance are and where both the same ... ... .I have been manipulated by the legal hoops that lead to help and the state regularly through the private section controvert me regularly. Upon the provision of the state know that the case is for life. Also particular to my case there is no primary designated to oversee any needs or forms they knew this at the time of agreement. Any how I have regularly attempted to go back to school and finish some course work regularly but have struggled more recently with time elements. and funding even for tuition that would have been covered by the employer had they not snubbed me, scrubbed me, forced me to resign. Some thing stinks and this is only the short outline of happenings. Thank you Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. 
Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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: IL

Complaint narrative:
I have been unable to work since 2008, and have applied for XXXX since I first learned of what was happening to me only to surprisingly learn that while my Federal student loans have all been forgiven ( mailed at the same times ), that my XXXX private loan does n't believe I used them for school ( that 's who they mailed the check to NOT me ), that my XXXX is stopping me from working, and the latest is that they ( Navient ) would gladly help me but never received the forms, and that my XXXX paperwork can not be found and to resubmit the forms ; which sounds reasonable if I had n't done so several times already when they were XXXX, and now I wonder who has my personal medical information, if they 're worth the strength and energy ( even thinking on things wears me out at times ; typing this I feel fatigued ) to gather what they ask for again, and if it too will vanish after I mail it to them. My minimum payments have increased {$50.00} to {$120.00} because they say I 've used up what deferments I was eligible for, again I 'm unable to work which they then just remind me of how missed payments will have to negatively affect my credit/be noted as defaulted and fall on my co-signer, my co-signer fell on hard times before my medical condition even ocured and I tried to pay to get them off when I was employed, working, and paying extra to ( when I took ill and depleted my income ) be told I did n't pay enough times for them to release her and now I see that my current deferment already has $ XXXX due in interest from less than 2 months of deferred payments that resume at the beginning of next month. I try to prioritize my bills, with a now limited income coming in and plan to pay what I can when I can, but it 's hard to get to their demanded monthly amounts. ANY help would be great, thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TN

Complaint narrative:
AFNI bought my account from XXXX. I have been dealing with this issue for several months. I am trying to buy my 1st home and this is hindering the process. I have literally been going through this since XX/XX/2016. 
I keep calling AFNI requesting an itemized list of the charges because I know I do not owe this amount. They sent a generic form saying I owe x amount of dollars but they wo n't tell me what I owe for. They tell me to call XXXX. I have called XXXX literally over 50 times and talked to numerous people ( because they transfer me to 4-8 different people. The last person usually " accidently '' hangs up on me. Anyway, everyone at XXXX tells me they ca n't tell me what I owe the money for because " their files are archived. '' I have told AFNI that XXXX can not give me any details. I told this to XXXX today. She says, " Well if XXXX ca n't give you any details because their files are archived, what makes you think we can? '' Therein lies the problem. They say I owe a debt of ( now ) {$930.00} but they can not support the " why '' part of the debt. I have a feeling I was charged for things such as early terminations ( I was out of contract ) and/or equipment return fees ( I hand delivered these to a representative, ) etc. Nobody can answer this question. I informed XXXX I was going to file this complaint today if I did n't have the information and she told me to go ahead and file because they do n't have any copies of bills and they only have the amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale. 
Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I 'm a XXXX. I took out XXXX school loans from XX/XX/XXXX-XX/XX/XXXX serviced by Navient ( formerly XXXX XXXX ) for well over XXXX. For the next 6 years I finished my XXXX ( 5years ) and XXXX ( 1 year ) at XXXX including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with an average yearly income of XXXX. Through out these six years I was repeatedly and from the very beginning was steered by Navient into forbearance. 

The cycle began with when I started residency and my loans went into repayment and I discovered that the monthly payment was almost equal to my monthly income. I was told by the company that deferment and forbearance is my best option unless I had another source of income. Yearly I would receive letters stating that forbearance was expired and that the next payment ( almost equal to my income ) was due and several times received a late fee because I failed to make that payment. Then I would call and was told that the best option was sign a forbearance to avoid further penalties. In the end I was left with nearly XXXX $ when I graduated fellowship. XXXX When I got my first job as an XXXX at XXXX XXXX XXXX, I met with an financial advisor who explained that an option called Income Based Repayment was available and I could have also taken advantage to Loan forgiveness that would have saved me over XXXX $ over the years, however it was too late because now my income has substantially increased and I did not qualify. 

I feel that Navient steered me as an struggling borrower toward forbearance, and obscured information about programs that would have saved me over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Again chase has acted against the best interest of a customer even in the light of evidence I requested that Chase review some merchandise that was not delivered to me. 
The sent me a note saying that the items were delivered despite my assertions to the contrarry and denied my requests for proof. 
I then supplied a tracking number that isnt mine but was provided by the seller USPS XXXX again notifying them this item, which happened to represent the most expensive of the disputes ( XXXX ) and they ignored my correspondence and denied receiving it. 
I need to have the XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ) refunded to my card ending in XXXX. If they choose to dispute these claims then show me the item was delievered to me in XXXX, especially the XXXX. I am 100 % confident they cant for the XXXX charge and I never received tracking information from the sellers on the other charges. 
Chase needs to grant my request for refund and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my [ XXXX XXXX XXXX ] password and enter my checking account at XXXX XXXX XXXX. Chase did not notify me of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts. 
In a tele meeting with XXXX XXXX XXXX officials in which I was present, Chase admitted that they had allowed someone to open a second unauthorized credit card and connect it to my credit card [ I received no notice of this ]. This is how the thieves funneled the stolen money out of my bank account through my legitimate Chase card to the unauthorized one. 
Now in a letter dated XXXX XXXX, 2016 they deny the privacy breach occurred. By the way XXXX XXXX XXXX has put the money back into my account [ with a hold on it ] based on the tele meeting with Chase officials. 
This is all the money I have. Late fees keep mounting and my life is in turmoil. I am recovering from a XXXX. The stress is hurting my health. 
I beg you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I paid my rent online through my resident access website XXXX17, but I used the wrong account. I moved the money to the correct account and called Citibank customer service to make sure that my rent payment would not be rejected. When I spoke to the representative he put me on hold and then came back and told me that my payments should not be rejected. I kept watching my account and the money was never taken. When I called Citibank today XXXX17 they said that it was already to late when I called. My issue is that I accrued additional late fees due to their misinformation and they said all that they can do is apologize that they have no intention of reimbursing me anything ( According to XXXX " Supervisor '' 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