vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I would like to file a formal complaint with your office regarding extremely poor customer service I have received from your customer service department of Citi Priority. As well as your executive response unit with XXXX, who has not returned numerous calls and emails left at his office. 
XXXX I have been a loyal citibank client since 2007. I currently am a Citi Priority account holder, and have received extremely poor, horrible customer service regarding overdraft fees charged to my account. I am currently residing abroad in XXXX, and travel back and fourth to XXXX frequently. I was recently charged XXXX {$34.00} overdraft fees to my Citi Priority account, for insufficient funds. I have been expecting a payment from one of my clients, which unfortunately was delayed. 
XXXX I am very unhappy with the very poor, nasty and unprofessional customer service I have received from Citi Priority, regarding my request for both of these fees to be reversed. 
XXXX I also have tried to open a Citibank savings plus account, but my account has been closed, two days after opening it. this is extremely unprofesssional, and I am really unhappy of the very unprofessional, abusive, horrible service I have been receiving lately. I want this savings plus account ending in XXXX to be immediately reinstated, as it was closed about two days after it was opened. 

XXXX I would really appreciate a member of your staff to please follow up with me to please immediately remove the block from my savings plus account, and have the account ending in XXXX immediately reinstated. 
XXXX I have recently started a new career working for XXXX here in their XXXX headquarters of their XXXX offices. I am not sure if you offer any special promotional accounts or offers for XXXX employees, but if there might be any special programs available with Citibank for XXXX employees, I would greatly appreciate any additional information. 
XXXX Please accept my most sincere apologies in advance for having to be left with no other alternative but to contact your offices. I really appreciate and respect your time, and I look forward to receiving a follow up from a POLITE and PROFESSIONAL member of your executive response team, as I have not received any response to the numerous messages and emails left at XXXX Office. Extremely unprofessional, and terrible unresponsive service received from this representative in your XXXX. You should be ashamed at his very unprofessional, and terrible customer service and follow up skills.

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 2015-08-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hi, I enrolled in the American Express offer of spend XXXX+, get XXXX bonus membership points at XXXX XXXX XXXX XXXX XXXX of my American Express Cards . I met the requirements on all XXXX cards, but only got XXXX bonus points. I am expecting XXXX membership points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Federal Law gives me the right to notify XXXX.of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office XXXX XXXX on these dates : XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX. These Assignments are " VOID '' as determined by the XXXX Supreme Court case XXXX. I am requesting thatXXXX XXXX provide me with their accounting of this loan and copies of the Assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
It is with great frustration that I write for the XXXX time to you. I have also done everything in my power to complied with SPS Servicing co. This is the XXXX time Sps confirms receipt of my documents and when I call again they are requesting same documents again. My attorney on record submitted a motion and it was just denied. Please hear me out. I want to resolved this problem. I am going through this for the past two and a half years. 
I want to keep my home. I went a head and did a forensic review. Apparently XXXX XXXX bankrupt and my note was in the bankruptcy. Where do I go from here? 
All I want is for SPS to come on with a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
My car payments have always been made on time until this month when we fell on hard times. Although my payment was due on the XXXX of XXXX we have a 10 day grace period. On the XXXX of XXXX Credit Acceptance started calling me at work up to 5 times in an 8 hour period after being told not to contact me at work, they could reach me after XXXX at home. To make matters worse they were doing the same to my mother at work since she was my co-signer. I submitted partial payment today via online payment center and also an e-mail explaining that I would pay the remainder next week and they are calling again, I have received 2 phone calls already this morning and my mother has had 3 and it is n't even XXXX yet.

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 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV TALKED TO MY BROTHER AND KEPT CALLING HIM (SEE CELL PHONE RECORDS 16 CALLS TOTAL IN VIOLATION OF TCPA. ALSO, NEVER VALIDATED DEBT AND INSERTED A INVALIDATE LISTINGS ON HIS CREDIT REORTS IN VIOLATION OF FCRA AND FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
why are my wages still under a garnishment when my debt went into default in XXXX and LVNV funding did not show original signed documents from XXXX..there is no proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America is refusing to allow a credit back from a vendor who did not have a return policy for products posted in their store at the time of purchase. I attempted to make a return valued at $XXXX XX/XX/2016 and the store would not allow it citing that they would only give a store credit. I attempted to return the item within 9 days of purchase. They refused the items and I contacted Bank of America's dispute department while I was at the vendor. I took several pictures of the register area and surrounding counters and walls showing that there was no posted return policy for a customer to know what the return policy is prior to purchasing- its like entering a contract with someone without understanding the terms until after signing. 
The reason for the return was that I found out that I could buy the products from another vendor for about $XXXX less. In addition, the quality of the items was better at the other vendor. I made this purchase and attempted to return the other vendors items and they refused it. While I was on the phone with a dispute representative at the vendor's store where I wanted to return the products,the bank representative asked the vendor if he would take the items back over the phone and he still refused. He later told a different BOA representative that I had left the premises with the items without making an attempt to return them. By the way, I still have the items and can still return them.
BOA issued a credit but then retracted it after I closed the account - it now appears that I closed the account owing a balance. I would like this to be resolved before it gets reported to any 3rd party agencies.

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 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a XXXX and I have a large amount of debt from XXXX school. I have been on Income Based Repayment ( IBR ) since I started XXXX in XXXX XXXX. Later in XXXX, when it was time to re-apply for IBR, I filled out all of the paperwork and submitted it on time. I received confirmation that my paperwork was received, and ultimately it was approved. When my first bill for XXXX XXXX came, it said I owed over {$1700.00}, where my payments listed on the IBR approval were only ~ {$400.00}. I called and was told there was nothing to do and that I owed the $ 1700+. I requested to talk to a manager and was repeatedly refused until the person finally agreed. I spoke with several managers, and was repeatedly told that they did n't know why, but my IBR payments do n't start until the following month. No one could tell me why, since the paperwork was on time. I told them that I could not pay it, and they repeatedly said that the only option was to put my loan in forbearance. I told them I should not have to do that because I can make appropriate IBR payments that have been approved, but they said the only way to not have to pay that $ 1700+ was to enter forbearance. They told me they could put it in forbearance for just a day, then I could make the IBR payments. I did not want to be placed in forbearance since that messes up my consecutive payments and also uses up my forbearance, but they gave me no other option. 

Additionally, my first year of IBR my payments were ~ XXXX per month. The following year, where my income increased by over {$5000.00} per year, my payments were ~ {$180.00}, which did n't make sense to me how that could happen. I called multiple times to make sure I was paying enough, and no-one would tell me how it was calculated or why the new IBR would be lower given my higher salary. I explained why it did n't make sense, and the people agreed it did n't make any sense. They told me not to question it because the payments were lower. I am now concerned that these payments will not qualify for federal student loan forgiveness programs. 

Every time I call them, I get a different answer for the same question, and I have been told multiple times things that are not true. I feel like they are always trying to get me to go into forbearance. Now all those documents are gone, because they only post them online. I did n't think to print them, and they are gone after 12 months online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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:
I had a loan through the US Dept of Education. I was unemployed and underemployed for a couple of years, and was behind on payments. I had to go abroad to find work in my area, XXXX. When I started making payments directly to the USDE in XX/XX/XXXX-XX/XX/XXXX, not all of my loans were listed. I paid off the one listed, sent emails to the USDE, getting no reply, asking if about the other loans. On the USDE XXXX program website it just said that there were no other loans to be paid at the moment, so I really did n't know what was going on. I then later heard that Navient had bought my loans - when my loans went into collection in XX/XX/XXXX. The following year I went through more difficulties as another student loan service, who I paid to help me start the process of rehabilitating my loan, failed to complete this job twice. So I started rehabilitating the loan last summer, after a year of trying to get it done through XXXX ( the name of the company ). 
My complaint is about Navient. They sent me no mail, no emails, and there was no information from the US Department of Education that Navient had bought the loan. The loan balance in that time went from around {$62000.00} to what is now {$130000.00}, through Navient 's neglect to send me any information, and XXXX failure to process the rehabilitation papers. I was making payments in good faith in XX/XX/XXXX-XX/XX/XXXX until I had paid the loans listed. My attempts to find out what had happened yielded nothing. Last year I wrote a complaint letter to Navient, but they denied any wrongdoing. The loans were for XXXX school at University XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: NJ

Complaint narrative:
Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: TN

Complaint narrative:
My loan is a combination of federal and private loans that i consolidate in the XX/XX/XXXX. i graduated in XX/XX/XXXX and consolidated thereafter. My original loan was XXXX. XXXX sold my loan to Navient. I have {$320.00} taken out of my checking account automatically every month and I still owe XXXX. There is no way to pay this loan off. The end date keeps changing. I will retire from the XXXX with 30 yrs in or around XX/XX/XXXX and will still owe student loans!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month.  For reasons I will never know, I did not receive statements from Bank of America for the months of XXXX-XX/XX/XXXX.  When I inquired about this and finally received hard copies on XX/XX/XXXX I paid the amount in full the same day and they willingly removed the delinquency fees.  When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the problem, they could not send me any evidence that the bills had been sent. None-the-less, Bank of America closed my account which affects my Credit Rating.  This is just wrong as it helps Bank of America and hurts the customer.  When Bank of America  causes a problem for a customer, it is in their best interest because reducing a customers credit rating allows them and all other credit agencies to charge higher fees.

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 non-monetary relief
Consumer complaint received 2016-05-15 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: VA

Complaint narrative:
I have been paying on my XXXX XXXX ( now Navient ) Student loan since XX/XX/XXXX at 7.375 % interest and all the payments have gone to interest, my balance remains the same. I still owe {$45000.00}. I am paying $ XXXX per month and they 're telling me it wo n't be paid off till XX/XX/XXXX when I 'm XXXX years old. I can not refinance since I consolidated them many years ago and I think the set up is a total scam. I do n't have enough monthly income to afford a used car and barely have enough for food and regular bills every month. Should a medical emergency or issue befall me, I will be ruined. I can not afford to put much back for retirement so I am looking at working to well in my XXXX. This is outrageous punishment for trying to better myself. I have kept up on my payments and they are just using my payments to line their pockets. I think this loan should be paid off by now considering I 've been paying on it for XXXX years and I believe it should be forgiven at this point. This student loan is such a burden on my quality of life and possibility for retirement. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been paying on my navient student loan since 2010 and through the years I have noticed they have quite deceptive practices. Despite every payment being made on time and a lot of extra payments, the interest rate continues to go up. They do not allow a payer to set up recurring payments that are over the due amount so I have had to go in monthly and submit an additional payment in addition to the recurring payment ( of the minimum due ). Upon making extra payments in order to pay the loan off quicker, navient in return reduces the amount they take from my account the following month as if they are purposefully attempting to lengthen the time the loan is paid back and thus getting additional interest. The interest rate has also increased steadily over time. This is very unfair practices to borrowers and they are clearly attempting every effirt to maximize their interest income and to keep borrowers stuck in a student loan as long as possible. Despite 100 % payments made on time, being paid $ XXXX of dollars a head of schedule, and a credit score greater than XXXX, my interest rate is now nearly 10 %, which I find very unacceptable for a student loan. These practices really need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: MD

Complaint narrative:
I have XXXX Parent Plus Loans on one account with Great Lakes. They have always been paid in full & on time with auto-debit. In XX/XX/XXXX I started paying an extra {$200.00} as part of the auto-debit. Two places on the Great Lakes website state " once scheduled monthly payment & all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing you less interest over time. '' Also under " How Payments are Applied '' it states " When it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment 2. Principal of the loan with the highest interest rate ''. The {$200.00} extra was not applied as promised to only the higher interest loans which is going to cost me more over the life of the loan. XXXX of my loans have 7.65 % interest rate & the XXXX has 6.16 % interest rate. Great Lakes applied a portion of my extra {$200.00} payment to the loan with the lowest interest rate. In XX/XX/XXXX my payment of {$490.00} was divided so that the 6.16 % loan received a principal payment of {$100.00} prior to adding the extra {$200.00}. In XX/XX/XXXX I added the extra {$200.00} which non of that should be applied to this lower interest rate loan but the amount allocated to this loan went up every month even though the total principal amount is going down. XX/XX/XXXX, {$120.00} principal payment was charged & XX/XX/XXXX {$130.00} principal payment was charged. They are using my extra payment to pay down this lower interest rate loan! This is very wrong! How many thousands of people are getting ripped off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
I am behind on my mortgage by 40 days. I tried to make a payment tonight online at SunWest 's website. The site would n't allow me to make a payment, stating : " Loan # XXXX as of XX/XX/2017 XXXX EDT One Time Payment is not available at this time because your mortgage payment is now 30 days or more past due and your loan is in default. We are concerned about your missed mortgage payment and we want you to be aware of the assistance available to you in case you are unable to bring your payments current. Please contact SWMC 's Home Retention Department at XXXX. Your Personal Concierge is available to assist you between the hours of XXXX to XXXX PT, Monday through Friday ( except Federal Holidays ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation