vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: NY

Complaint narrative:
I XXXX in XXXX and also started working for the XXXX and I was supposed to be in the forgiveness program. called again back in XXXX and was told after all the money ive given them even though I was supposed to be in the forgiveness program they never had me in it and after 10 years my loans would be paid off by me paying them! 
I work for the XXXX and my loans should have been forgiven after the appropriate years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Good Day, I am hoping someone may be able to help me with this file I am working with XXXX XXXX in the XXXX w BOA ... she has been great to work with but I think we have run into an issue with the value and the new investor that has taken over as of approx. XXXX XXXX 2016. 
I had been countered at XXXX back on XXXX XXXX ... .I received an email XXXX XXXX there was a new counter per the new investor and they were looking for an additional XXXX dollars from the buyer and or agents. 

There is an appraisal performed from BOA and or the investor and this came in at XXXX in XXXX 2016. I also have a copy of this appraisal and a valuation letter from BOA that was used for the counter the buyer accepted. I feel the investor is taking advantage of a situation were there is no value and this was confirmed by both the BOA Appraisal and the buyers lender. I have explained to the bank if the investor is looking for a higher net or value the house needs to be rehabbed as houses selling for more money are rehabbed and in better condition. The buyers are first time buyers, they are a young couple w a small child and they made a fair and honest offer based on XXXX. They did make an attempt to locate funds from family but were advised it is not smart to overpay for something were the value is not there ... they would need to increase their offer from XXXX to $ XXXX and this is with slim closing costs the bank is paying. The loan is done and all they need is an approval and we can go to docs.. 
The agent is very upset as we had been given a counter based the valuation performed and we also have an appraisal also at XXXX from the buyers lender. 
My concern is any other buyer coming in will also run into the same issue and the value and or appraisal will be an issue. 
I am hoping you can help me..Thank you XXXX Attachments

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 2015-09-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low.

Company public response: Company chooses not to provide a public response
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 — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: IN

Complaint narrative:
To Whom It May Concern : I saw the news articles regarding the lawsuit again Navient. The issues outlined in the article are my exact experiences. 
-My payments were mis-allocated. I final caught on and now send a paper check and write which loan to put the payment on. I then have to check to make sure this actually happened correctly. It often does not. 
- I have tried to overpay several times and have been told I ca n't. They told me another payment is not due until next month. I have had to argue to overpay on my loans. 
- At one point, some of the loans were in deferment per my request. I was told there would be no penalty. I later found out that they were reporting the loans as missed payments which showed up on my credit, thus hurting my credit score. To this day, this issue affects the interest rate on my home mortgage. 

This company is infuriating, difficult to work with, and deceitful. I have all of my documentation at home. If there is a way to get involved, I would love to be included. I want to see some repercussions. For most of us coming out of college, we have never dealt with debt to this amount. It is a scary process. Being lied to has resulted in negative consequences that now affect me years later. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have a balance of about XXXX dollars on my student loan left to pay. I 'm a XXXX parent and my hours have been cut at work. I receive 3-5 phone calls from Navient Solutions in regards to my loan payment. I 've had a deferred payment before and every time they send me an email to defer my loan payment I respond and receive emails saying they can not locate my account. I 'm tired of repeated phone calls, some of which are immediately back to back. Last I knew according to federal collection laws, each number listed to an account was able to receive 2 phone calls per day and only one message left per day. Also what is the purpose of being able to reply to an email for a deferred payment if it can not be honored. I have a complete call log of how many times a day they contact me as well as many emails showing I 've responded they way they ask for a deferred payment just to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: GA

Complaint narrative:
I make payments to Navient for my Federal student loans. I have not missed a payment in over 2 years. I submitted a payment from my checking account on XXXX XXXX ( as I have done every month prior and every month since ) but my payment, which was withdrawn from my checking account, was never applied to my Navient account. I discovered this error in XX/XX/XXXX and called Navient to correct it. I was told that I needed to submit a copy of my bank statement verifying that the payment was withdrawn from my account in order for them to correct the issue. I sent the statement the same day. I checked my account for weeks and the payment had still not been applied. I called XX/XX/XXXX and was told that they could see my bank statement and the payment should be applied within 10 business days. It never happened. I submitted a written inquiry a couple of weeks ago and, last Thursday I received correspondence stating that they have my bank statement but are still unable to locate my payment in their system and I now need to send additional documentation proving that the payment was withdrawn from my account. In the meantime, all of my other payments have been received but my account still shows as 30 days delinquent due to a " glitch '' in their system. They are causing damage to my credit report and the " delinquent '' payment is racking up late fees. Their customer service is horrible and I am concerned that this problem will never be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 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: MA

Complaint narrative:
{$260.00} dollars was charged to a debit card by navient, when the card number had never been provided by myself or my wife. We are concerned that a private company is allowed to charge a debit card with no agreement, and without either myself or my wife giving consent to charge a debit card. We have never provided either our debit card number, bank account or consent to charge any account of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I placed a fraud alert on my credit at the XXXX credit bureaus about 1 1/2 months ago. I continue to receive unsolicited credit card offers from Citi Bank. I have received at least XXXX offers within the last week. I contacted Citi Bank to request that I no longer receive credit card offers by mail. I was told that I would be placed on a " do not mail '' list, however, the representative told me that she was unable to tell me how long the request would be effective. I requested a copy of Citi Banks privacy terms and conditions and do not mail policy be mailed to my home. I was bounced around to several different people and ultimately my call was disconnected. 

When I called back, the representative told me that Citi Bank had a policy not to mail privacy terms or the terms of the do not mail list to anyone who is not a Citi Bank customer. I am not a Citi Bank customer. The representative then told me that I could visit a Citi Bank branch to obtain this information. Despite repeated requests, Citi refuses to send me a copy of its privacy terms or the terms of its " do not mail '' list.

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 2016-10-18 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Front of sheet accompanying prepaid card indicates " valid thru : XX/XX/XXXX ''. I was n't able to activate the card using my zip code as requested and was finally able to get through to a live agent. Upon activation, agent informed me that the balance remaining on the card was {$13.00} ( instead of {$16.00} ). He had to explain that there was a schedule of fees located on the back bottom of the sheet, essentially fine-print that is not user friendly and seems very shady to me as a customer, since I did not request this prepaid card and it was issued to me by XXXX through Citi.

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 2015-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied to my mortgage holder Citimortgage to refinance my 15 year mortgage loan to take advantage of a lower interest rate. I was approved for the loan, however, at the time of closing in XX/XX/XXXX I was between jobs and was not allowed to close on the loan although I had bought my home back in XX/XX/XXXX and had never had any problems with my monthly payments, more importantly I continued to make my payments as required even during this time between jobs. Additionally, the required appraisal which caused me over {$350.00} showed that my home value to loan meant that a PMI was not required, Citi has continued to bill me for PMI cost and have advise that it will automatically end in XX/XX/XXXX. My potential mortgage savings were about {$500.00} per month and savings related to removal of the PMI would have been {$170.00}. As for the record, I have been an Accountant for over 26 years and have not been unemployed/underemployed for no longer than 3 months over the past 19 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a {$50.00} bill from a Citibank ATM. When I went into the branch location to make change, they confiscated it and told me it may be counterfeit. I thought using my bank atm would be safe. The Citibank assistant manager told me that another company loads the Citibank ATMs and that Citibank was not responsible. I was told it would be sent to secret service for further evaluation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GU

Complaint narrative:
My wife and I re mortgaged our home with Citibank in XXXX. After I came home from my third XXXX my wife said she wanted a divorce, this was XXXX. That 's when my financial problems started maybe XXXX MIXED WITH DIVORCE I DONT KNOW. I found my self behind in my payments it is my fault my responsibility. Any way forward to XXXX still in financial problems, now with my Citibank Mortgage I saved my home first time in XXXX XXXX. Divorce finalized same year I was trying to save marriage and home, could n't save my marriage and home was in arrears again she did not want to help pay for home or at least aportion of it. I turned a hardship request to Citibank for mortgage assistance around XXXX XXXX. Request was accepted and I started to turn in all required documents they needed, after turning in documents I was told all foreclosure proceedings would be stopped, but a local firm on XXXX sent me a letter stating house would be sold at auction first time XXXX XXXX, XXXX. Due to foreclosure all the while the loan modification was still in progress. Two more times the sale of my home was set and changed, finally the date was set for XXXX XXXX, XXXX. I was told via e- mail on the XXXX of XXXX that I needed to turn in a few more documents this just 5 days out from sale of my home. I called trying in to speak to my assigned mortgage specialist several times an appointment was even made for him to call me back once. XXXX is a day ahead of the STATES and about 8 hours ahead of XXXX. I was told that on that same day XXXX XXXX that a letter was sent to me via postal services that my loan modification request was denied. It the letter still has n't arrived on XXXX yet today is the XXXX of XXXX my home goes on sale at auction at XXXX XXXX XXXX. After roughly five months of waiting for assistance from Citibank I did not get any help and was told that if I had turned the request in earlier I probably would of had a better chance.

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 2015-09-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Reference previous complaint XXXX This is a follow up to the referenced complaint. An XXXX XXXX phone number XXXX contacted me to the effect that she was handling the complaint, she was going to listen to the phone calls etc. AND then she would send me a letter when the investigation was completed. I responded all well and good but what about changing my recurring payment to {$120.00} per month like I have been requesting and being told the change was made when in fact only a change for one month was made and not my recurring payment changed to {$120.00} She responds I did that already and a one time payment change for XXXX was made. At that point I lost it. She did the very same thing that the original complaint is about. Just made a one month change and just like the other customer service reps, not following instructions. She is as pathetic as the three customer service reps I complained about. Also she was rude and just kept saying it was under investigation, etc. She said a letter went out and sure enough I received it yesterday and it stated a one time change for XXXX and then it would go back to {$250.00}. I am going to write to the attorney general and the state banking commission.

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