vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My claim is in response to recent allegations brought against Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. 

To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. 

Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. 

Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
The Consumer Financial Protection Bureau responded and acted on my complaint immediately. Navient responded with an action, but it was minimal and did not take care of the main issue. A policy change that is ethical and fair for divorced consumers with consolidated loans must be made. 

Many years ago, when Navient was still XXXX XXXX my ( then ) husband and I consolidated our loans. At the beginning of our marriage it did n't occur to us that a divorce may be looming in our future. It did. I have been requesting that our consolidated loan be separated, per the divorce decree since we divorced many years ago. They refuse. I am very kindly asking for CFPB to put pressure on this corporation by calling them, writing them, and asking them to correct this policy. If Navient is willing to allow married couples to consolidate loans then they should have a contingency plan and policy in place for those that divorce ; especially if the divorced party has a court decree stating that the loan amount be separated. This refusal by Navient seems unethical on many levels. One human should not be responsible for another human 's debt, which I am because of Navient. XXXX ( ex-husband ) XXXX initially chose to be a deadbeat dad, and is currently being garnished for child support payments. He refuses to pay his part of the loan, leaving me carrying the weight of his debt becasue I want good credit. Now, as a single mom, a XXXX, daughter of a deceased veteran, and an honorable citizen that votes and pay taxes, I am left struggling because of a debt I am having to pay for another individual that refuses to be honorable. I am also in XXXX XXXX trying to further my XXXX career. Navient refuses to allow me to defer my loan payments even as a XXXX at XXXX because my ex-husband and I have this loan together. Yet they refuse to rewrite the loans. This is an injustice to many divorced people in this situation. Please hear my request and demand Navient to make an amendment to their consolidation policy for divorced couples. ***I want them to defer my loan while I am a XXXX especially since I am the only one paying the debt. *** The ex-husband refuses to pay his part, and I have proof, and have sent that proof to Navient to no avail. Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 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: RI

Complaint narrative:
I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX loan in XX/XX/XXXX for XXXX in XXXX. Navient became the " owner '' XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not available and repayment balance does not reflect 2 years of repayment. I called to ask about forgiveness since I work in rural family practice. Have received no assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: LA

Complaint narrative:
My private student loan recently defaulted on XX/XX/2016. I was unaware of this matter, until I logged in to make a payment, and no payment options were available. I 'm aware that I was delinquent on the loan during the past 4 months, due to life changing events and financial hardships, divorce and single mother of XXXX. During that timeframe I made XXXX payments in an attempt to try to catch up on the delinquent payments, yet the loan still defaulted on XX/XX/2016. I 'm a little confused b/c I spoke with the loan company, American Education Services, to try to see if there was something I can do about a lesser monthly payment in order to catch up, but they insisted that there was none available. They referred me to the collection firm, XXXX, that currently has the loan, and they 're requiring me to put {$5000.00} down payment. I do n't have that kind of money, I 'm trying to catch up on things that I currently have now. I 'm more than willing to make monthly payments, but I can not afford what they 're asking for. I 'm confused on how the loan defaulted and I made few payments, trying to get back where I need to be with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have reason to believe someone got my mail and without my authorization used my XXXX credit card, where I live the mail is dropped through XXXX mail slot beside the door for every room in the house that is being rented at XXXX XXXX XXXX, XXXX, PA XXXX. Then the landlord picks the mail up off the floor that came through the mail slot and put individual single piles on the lobby table for renter 's to pick-up daily mail. 
I applied for a XXXX credit card online and never got a confirmation that I was approved or denied XXXX credit card, so I re-applied again with XXXX Customer Service representative and I was approved over the phone right then for XXXX and I received my XXXX credit card ending in XXXX. I told the customer service representative before she helped me apply for the XXXX credit card that I applied online 4 weeks earlier and I never got a response from XXXX if I was approved or denied, the customer service representative said she did n't see in the system were my online application for the XXXX credit card so we processed my application and I was approved. 

Then sometime in XXXX 2016 I received a XXXX Billing Statement showing I owe XXXX credit card XXXX that 's when I called XXXX put in my account Number ending XXXX and it stated that I had a " XXXX '' balance owed and that they got my payment of {$39.00} and change, That 's when I noticed the account number on the XXXX Billing Statement from XXXX did n't match my credit card ending in XXXX the XXXX Billing Statement account number ended in XXXX. So I contacted XXXX customer service who transferred me to XXXX Credit Fraud Department. 
So when I applied the first time online that credit card application for a XXXX credit card had to have been approved. How I found out there was a second XXXX credit card was when I received the XXXX Billing Statement with the account number ending XXXX. 
The XXXX credit card number XXXX I never received this card/made any charges or payments on this account ending in XXXX. 
So I started contacting XXXX Fraud Department at XXXX and XXXX several times a month to help me resolve the fraud on the XXXX account ending XXXX. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I took out a second mortgage through XXXX. The loan was subsequently transferred to Citi Mortgage. XXXX is also showing as the lien holder, but I am not clear as to what XXXX is. My wife XXXX declared bankruptcy in XX/XX/XXXX and this loan was included in the final discharge (see attached bankruptcy document).The XXXX lien is still showing up on XXXX County records. I have contacted XXXX, CitiMortgage and XXXX, no one will take any action to remove the lien. I am unable to refinance or sell the house as long as the lien is showing as active.  It is also causing problems with my homeowners insurance.

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 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Feldman & Stern, LLC
State: WA

Complaint narrative:
Debt collector called my cell phone on Tuesday and told me he was collecting on a medical bill I had never heard about. I explained I had not ever recieved a bill and that I was going to call the Dr office to find out what the bill was for and why they never mailed me anything. He told me he 'd just sue me and I could see the bill in court and then I could also pay all his additional fees he was going to add for court costs. I told him I 'd pay what I owed but I wanted to confirm with my insurance company and the Dr office first to see what I owed. He again threatened to sue me and my {$300.00} bill would significantly increase if he had to waste his time. He then called my Father Wednesday, the next day, and told him about the bill and that he was going to sue me and make me come back to XXXX to go to court since I recently moved to XXXX XXXX. I found out that same day ( Wednesday ) that he also called my employer saying he needed to talk to me about " our recent work together '' which is a lie. He 's using multiple names and calling from what appears to be fake numbers because they wo n't let me return the call directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My vehicle was broken into. I reside on a cul-de sac/dead end street. I accidentally left my purse in car as I have a XXXX. Hands full and honest mistake by leaving it in my car. Thief took purse, diaper bag and all content within glove box ( car registration etc ). I filed a fruad claim with US Bank and also an immediate police report. No credit cards transactions were fraudulently made but perpetrator wrote a fraudulent check. US Bank denied my fraud claim. Holding me liable because checks were stored in an unsecured location ( car ). No appeal letter was given to me. I had to call several times to fraud dept myself to attempt to over turn decision. No prevail. I also tried calling my home branch and discuss matter with manager. She also gave same answer of " sorry ca n't help, fraud dept denied claim. Nothing we can do. '' Mind you it took almost a week and 1/2 for her to get back to me. Which I emailed her a follow up email with no reply. I had to call her to gain an answer. Poor customer service. I also called into fraud dept 3 times now?? Last representative said supervisor could n't get back to me until Monday! Run around. Point is -- - fraud is fraud. I should n't be held liable for a {$480.00} check I did n't write. In addition to Bank fees being applied!

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 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Have had a mortgage loan with XXXX for the past couple years since refinancing with them in XX/XX/XXXX. The loan servicing was switched from XXXX to SLS Loan Servicing on XX/XX/XXXX without my knowledge or input. I received a letter the XX/XX/XXXX from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of XX/XX/XXXX stating that a {$2700.00} lender placed hazard insurance policy would be placed and the payment would increase by {$110.00} per month starting XX/XX/XXXX unless I found my own policy within 45 days ( note : there was only about 30 or so days til XX/XX/XXXX at the time ). This forced policy amount was double what I had been paying to escrow for hazard insurance. I then got an agent and found a policy for {$1500.00} which went into effect on XX/XX/XXXX, however the payment did not decrease at all and I was told that I still owed the difference from my my {$660.00} payment to the increased payment of {$780.00} even though I had purchased a much cheaper policy which would 've brought the escrow back down well before XX/XX/XXXX. I was also told by an SLS rep that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that {$480.00} was taken out of my escrow account by SLS to cover it because they did not accept the previous hazard insurance placed by XXXX even though I was never informed that I did not have coverage at any time until today. I was not given any notice ahead of time about the transfer of servicing or the lapse in coverage in order to get a policy before hand and prevent a lapse. On the contrary, I was told that nothing would change in the letter I received at the end of XX/XX/XXXX ; even though the rep in the Hazard Insurance Processing Center for SLS stated that the lapse in coverage is standard on all loans from XXXX to SLS. Than no Hazard Insurance policy is ever continued from XXXX to SLS. I think it is horrible business practice to plan and execute a transfer of loan servicing, allow a lapse in Hazard Insurance coverage, then charge the only party in the transaction who had no knowledge or control over anything ; after the fact. This could have been prevented by simply informing me 30 to 14 days BEFORE the transfer of the loan. Now I have an unpaid balance of {$110.00} on my XX/XX/XXXX mortgage payment as well as a deficit of {$480.00} in my escrow account that I just found out about today. Please assist.

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 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I have asked Seterus Inc. to grant a mortgage release or short sale for my property. They have not taken any action to move this process along in the last 17 months. I send them documents repeatedly, they do nothing with them then a representative tells me they have expired. I start the process over and over. I have sent them hundreds of pages of information. They are now proceeding with foreclosure because they are saying it is my responsibility to clear the title for the property for a loan that existed prior to me purchasing the property. I have provided them with my title insurance " hold harmless letter '' and clarified how the title company says these types of issues are resolved. Seterus refuses to act on the information I provided. Then Seterus hired the attorney XXXX XXXX XXXX that has an in-house title company named " XXXX XXXX XXXX ''. I later find out that XXXX XXXX XXXX is the company that issued the title commitment showing a loan not cleared that previously existed before I purchased the property. Because XXXX is working for Seterus I asked Seterus to communicate with XXXX and send them the hold harmless letter I obtained from my title insurance company to clear this matter. Seterus would not do it, but instead sent me a letter saying my mortgage release is denied because I ca n't clear title. I had clear title when I purchased in XXXX. I had clear title when I refinanced in XXXX. This title mistake that existed only was revealed by Seterus in XXXX XXXX. In XXXX XXXX I sent Seterus the hold harmless letter that should of squashed this. They continued to act as if they were accepting my documents and processing either the short sale or the mortgage release, but never acted to clear the title. Seterus and XXXX denied the contract offer for short sale claiming that not enough was offered. The BPO conducted did not use like kind properties as a comparison as there are no comparable in the XXXX for the neighborhood that would suggest a higher value as the XXXX XXXX XXXX XXXX has not rebounded from the mortgage crises. It is highly disturbing that the attorney XXXX XXXX who is principal in XXXX XXXX XXXX that has sister company XXXX XXXX XXXX XXXX is representing Seterus against me. When XXXX XXXX XXXX XXXX has been given the information to clear the title so that the mortgage release can proceed. Seems to me that they are interested More in making money from the foreclosure than helping me proceed with the mortgage release. It is an unbelievable situation because my title company that I have insurance through " XXXX '' stands behind me on clearing the title ; which is why they quickly issued me the hold harmless letter. But yet Seterus refuses to cooperate sending me a letter that I am responsible for clearing the title ; mortgage release denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a case opened with experian here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief