vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 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: CT

Complaint narrative:
I have Federal and Private Student Loans I repeatedly have been given wrong and different info depending on who you talk to. 
I needed to release my cosigner as she has XXXX. I spoke with a manager. She told me i just had to send a cease and desist letter. I wanted to stop the calls to the cosigner. I was : " behind in a payment '' The " Supervisor told me I could tack it on to the end.After 8 years of paying, I still owe XXXX dollars. After 8 years of sending the payment form to myself and the cosigner, last week they changed the address and sent it addressed to myself and the cosigner at the POA '' s address.On top of it ... they said I am still behind, the payment would not be tacked at the end. The cease and desist would only stop the calls for 2 of the loans, I need to also have a release the cosigner form filled out, as well as a XXXX form for the cosigner. And also the POA has to release her. 
I get different info every single time I call. 
Can anyone help? 
Tonight i spent 2 1/2 hours on the phone, they kept putting me on hold for 5 minutes, transferring me to different dept 's. They told me the person who changed the address this week was in the " Back Office Team '' and they do n't take phone calls. 
They have created multiple obstacles. 
Everything that I believed was taken care of by the " Supervisor '' was not taken care of and they made matters worse. 
Can I get any portion of this loan forgiven by the Dept. of Education? 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have had a credit card account with Best Buy for five years. It started on XXXX Best Buy, and was migrated over to Citibank Best Buy ( I 'm not sure when. ) I 've been a very good customer, and have always paid my bill on time. I was shocked this month to find that for the past five years, I 've been being charged for " Debt Protection '' when I never signed up for it, and was never notified once the account was transferred to Citibank. I have already gone through the process to have it cancelled. After waiting 30 days, I just received a letter today saying they wo n't refund the service, even though I did not physically sign up for it. Checking my documentation, this was never a requirement on new credit accounts or that it would automatically be applied. I will take responsibility that I did not check my bill for wrong charges, but, as a good customer, I simply pay on time and have trusted Citibank to do the rest. I would n't have missed a few dollars here and there originally, but now I have a very high credit limit ( good customer, good credit ) and have been charged at time {$50.00} a month for this service, paying in a little under {$1000.00}. They also will not take responsibility for the lawsuit ( referenced here : XXXX ) and are trying to put the blame on me for a service I never agreed to. They said they will re-initiate the request, but why should I wait another 30 days for the same answer?

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 2015-04-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX of all, I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I came here at the invitation of the XXXX Government and when I got in the USA the financial / credit system was new to me. I 've learned that I have to build a credit history and credit points and I have to prove that I am an educated planner and responsible credit card user which I did. XXXX of the XXXX credit cards I obtained was from Home Depot and because the credit line was small I could n't use it very much, and my credit score at that time was not enough to request an increase and I was advised to wait some time and then to request an increase. Mean time I builded my credit points, I worked hard to pay always on time and here I am with an Excellent credit score after a couple of years. I constantly checked on my online Home Depot Credit Card account to see if there is any line increase available for me but all of a sudden my account was closed. There was no notice, no letter, no message about the closure, I just discovered that from the Credit Bureau that is a mark with an account closure and I had no knowledge about it. There is no limit in their terms and conditions for not using a credit card before it is closed. I contacted the Client Care and the person could n't give me a time limit for not using a credit card with them and it seems arbitrary - they choose when to close an account or not. I was advised to re-apply but that means to hurt my credit score. Then I asked to submit a complaint and I got no ticket number. The Client Care representative told me : " There is no way to provide you with a tracking number. I can not give you anything such as an email or notice. Your complaint has been forwarded to a specialist ''. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: CO

Complaint narrative:
Cherry Creek Mortgage in XXXX Colorado assured me after submitting at least XXXX pages of documents to refinance my existing loan that they would have a fast approval. The process started in XXXX of 2016 and had a lock rate of 3.5 %. My constant communication with them and their lack of response to my questions on status finally came to a close in XXXX after spending hours and hours of getting them everything they needed with their assurance it would be approved. In the mean time I had various requests from other lenders to refinance. Cherry Creek dragged me along after pulling credit and doing their due diligence one day just notified me, by email, out of the blue the loan would not close. No explanation, apology, or any reason after 4 months. I lost the opportunity to go with someone else at the same rate as the rates had jumped and now made no sense to refinance loan. I was astonished and very hurt that a company would make me jump through hoops and be so rude and abrupt. They ruined my chance of having lower payments. Is there not a moral and ethical obligation? I feel like all my information was transmitted to them and I abided by EVERYTHING they requested. Lost opportunity by me and caused by them. What recourse does a consumer have for this pathetic company other than warning all other Colorado residents? Thank You for looking into this quickly!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase is preventing us from getting into our accounts online and not updating information in the accounts in a timely manner. When we travel, we use a different IP address to log into our accounts. Chase has taken it upon itself, without asking as other banks do, whether we want it to " recognize '' the computer/IP address we are using. It then locked us out when we logged in from another IP address. Recently, we were locked out of our accounts for 2.5 - 3 weeks because of this harassment. To add insult to injury, when we went into a local office of XXXX in XXXX, NJ, it demanded a new email address because its marketing junk email was bouncing. The guy deleted the old email that had been in the system for years and demanded another one. When he was told that we do n't use email, will not create an email account for Chase 's convenience, he said he would not restore the original email address that he had deleted without permission, then refused to restore. This obnoxious behavior typifies Chase 's actions : everything is for its convenience while it continues to deny clients easy access to their money and financial services it advertises and purports to provide. 
Similarly, last night or the night before I checked our accounts online. Nothing had been updated since before the XXXX XXXX weekend. Then this morning, a bunch of checks and payments showed up, bringing the balance very low. Had it updated the online information in a timely fashion, we could have easily transferred money into the account before this weekend. As it is, we will need to stagger a credit card payment because Chase withheld critical account information from us. This has all occurred while Chase owes us roughly {$130.00} for a credit on their credit card that has been on there for roughly 2 months. it is clear that first it denies us access to our money and bill payment services ; then it withholds account activity information ; followed by a bunch of checks it had been holding, hoping to overdraw the account. This kind of petty harassment and capricious cessation of normal operations needs to be sanctioned effectively and sufficiently to deter it. No bank should be allowed to offer services such as online access and bill payment services, then capriciously withhold them without warning, while trying to collect fees, should the account be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: AL

Complaint narrative:
On yesterday XX/XX/XXXX, I spoke with a representative of FedLoan Servicing. Unfortunately, she informed me I have been a victim of a fraudulent company drafting funds from my bank account for the last 2 years. I would like to file a formal complaint against FedLoan Servicing, because this ordeal began when my loan information was apparently released to the fraudulent company, who initially contacted me via US Mail. At the time, I was a novice to the student loan repayment process. Due to the negligence of FedLoan Servicing, I became a victim of this deceitful company. 
In XX/XX/XXXX, I received a letter in the mail from the " XXXX '' regarding a loan consolidation program I qualified for based on the Health Care and Education Affordability Reconciliation Act of XX/XX/XXXX. Several months later, I called the number listed on the letter XXXX and spoke with a representative XXXX. XXXX had all of the information about my student loans including the amounts owed and lenders information. After speaking with XXXX, I spoke with another representative XXXX, both provided direct numbers for contact [ XXXX XXXX and XXXX XXXX ]. They each had valid information about my student loans, and convinced me I should verify my identity and sign up for this opportunity before it expired. They then drafted 3 installments of {$230.00} to the XXXX XXXX XXXX, CA XXXX for enrollment into the consolidation program. On XX/XX/XXXX, I received confirmation of the automated bank drafts from XXXX XXXX XXXX, OK XXXX ( website : XXXX ). The company also required I allow XXXX ( XXXX ) to monitor my Income Based Repayment Plan and re-certification for the automated draft amount of {$29.00} a month. Sadly, I have been paying this company for almost 2 years now. 
Upon learning of the scam, I immediately contacted my banking institution and stopped all future drafts from the company. I also filed a claim with my banking institution, placed an alert on my credit report, and filed a complaint with the Federal Trade Commission ( reference number XXXX ). I would like this situation be resolved and to receive restitution for my financial loss. Please reply with the following : 1. ) How did this company acquire my loan information? and my mailing address? I did not contact this company, I did not provide my student loan information to them, yet somehow they had this information 2. ) I need someone from FedLoan Servicing to guarantee these people can not contact me or access my information in the future? 
3. ) Can the FedLoan Serving reimburse me for the monies the company drafted from my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. 
I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. 
It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? 
XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. 
Many thanks in advance for whatever you might be allowed to do by the current " administration ''. 
What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
NAVIENT placed me on a payment program XXXX for my private loans. I was told my welcome letter and details will be sent via mail in three months. It 's been nine months and no welcome letter. I called customer service and was told information I never agreed to and they do n't have to send me information since it was a " verbal agreement '' over the phone. I have made payments as requested by NAVIENT and my loan amount is getting higher??? My online statement on NAVIENTS website states my monthly payement is {$330.00} and NAVIENT is withdrawing {$510.00} from my bank account each month. I tried to call customer service to get clarification. Instead I get yelled at. I am truly worried and concerned about what this company is doing. What NAVIENT is doing can not be LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Auto Finance- In XXXX 2011 we purchased a vehicle and were offered an outrageous rate. We were desperate at the time and excepted. We recently got behind on payments do to a job lay off. I had been in contact with the bank and made a payment XXXX XXXX. They asked me my plan for getting caught up and I let them know I would making over he min payment until it 's caught up. It was XXXX payments behind. They were fine with that and we moved on. This past Sat I came home to it being repoed. I jumped on the phone asking what was going on and they said that they have n't been able to get ahold of us and that they have been calling and sending letters for XXXX months. I tried to make the entire past due payment and they refused it. I updated my address and phone back in XXXX when this all began. They claim to have been calling me for XXXX months .... I spoke to a rep on XXXX XXXX that processed my payment for me. They claim to have sent letters but to an old address and that they did n't have the new one yet the driver was at my house. I also have to verify my address every time I call in and for them to process my credit card payment. The loan was originally for $ XXXXk and change. My last payment paid off the principal balance plus some. Coincidence? I still owe over $ XXXXk. This loan was never meant to be paid off and they knew that. It would be impossible. On Monday I went to log into my online account and they had already deleted it from the system. Please let me know if there is anything we can do. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Today, XX/XX/2016, I visited the Bank of America Financial Center, XXXX XXXX XXXX, XXXX, XXXX XXXX, to attempt to deposit a check into my mothers account. I had received XXXX checks from the XXXX related to the settlement of an insurance claim. The checks were drawn upon an account XXXX had with Bank of America. The checks were for {$16000.00} and {$250.00} respectively. The checks were made out in my name but I indicated to the branch manager, who was assisting me, that I would endorse the checks over to my mother 's name so that they could be deposited in my mothers account if that was necessary. I provided my XXXX Issued Drivers License as a photo ID so that they could identify who was making the deposit since it was not my account. The manager indicated that I was not allowed to deposit the check, made out in my name, into my mothers account because she had not authorized the deposit. She told me to bring my mother into the branch with me, however my mother is in XXXX and this was not possible. Additionally, I was presenting a photo identification, with a last name that matched the account holder. The manager refused to accept the deposit of the check, even if it was properly and legally endorsed in my mother 's name. 

After refusing to allow me to make the deposit, I requested that the check be cashed since it was a check drawn upon a Bank of America account held by XXXX. She then asked if I had a deposit account with Bank Of America with which I could deposit the check. When I indicated that I had my personal deposit accounts with another bank she indicated that there was nothing she could do. When I told her that it was a Bank of America account, she indicated that she needs advanced notice for a check of that size and the check would have to clear before I received the cash and since I did not have an account there was nothing she could do. I believe that this was unfair, improper, and potentially in violation of the law. 

Before leaving I indicated that I believed that it was legal for me to endorse the check and deposit into my mothers account and I did not understand why they would not accept it. I also expressed my lack of understanding as to why Bank of America could not cash a Bank of America check. Receiving no answer or further information I left and had to travel to my bank and deposit the check, now I have to wait for the check to clear and then issue a check in my mothers name which will take time to clear. 

As a result, there is a loss of the time value of the money, including the accrual of additional interest upon loans which the amount of money, which is not insignificant, was intended to reduce principal upon. I have been harmed by the conduct of this bank and feel that I have no recourse other than this complaint.

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