vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been a customer of Navient for the life of my student loans. Over the years I have had many small challenges with the company, but more recently ( as my debts have been paid off more aggressively ), have encountered serious oversights from the loan service. Most of the time, I just let it pass, but this time is different. Like everyone repaying their loans, I have a monthly amount that I have been paying over the course of my loans. This amount is deducted on the XX/XX/XXXX of every month. Around 3 months ago, I got a message from Navient informing me that " If you make an Overpayment on some or all of your loans, you may advance your next payment due date, which can cause a future Auto Pay payment to be processed as an Overpayment. '' This is a great option for some people, but not an option I wanted on my loans. I went into my account and found that they had automatically selected that if I make an overpayment ( which I have been doing every month ), they would push my next autopayment to the next month. Seeing this, I selected a new allocation method wherein my autopayment would NOT be pushed to the next month if I made a payment and I would be billed for my full autopayment every month, despite the extra amounts I paid on my account. Today, the day in which my monthly autopayment is supposed to be processed ( XX/XX/XXXX ), I see that they have pushed my autopayment to next month ( XX/XX/XXXX ), against my direction and wishes. I have attached 2 screenshots in which you can see my autopayment history on the 1XX/XX/XXXX, but the next autopayment is indicated as coming up on XX/XX/XXXX ... completely skipping over my XXXX autopayment. I see this as a way to keep me hooked onto my loans longer, paying more interest, and pushing me to pay longer. If I weren't actively involved at looking at my loans on a bi-weekly basis, I wouldn't have caught this move from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: KS

Complaint narrative:
A dispute was sent to XXXX on XX/XX/2018 regarding unverfiable information on my Transunion credit report. As of XX/XX/XXXX ( today ) I called XXXX and talked to " XXXX '' in XXXX 's Special Handling Department. She claims Lexis Nexis is sending them verification of my disputed item ( s ). I have proof of " suppression letter '' attached and " security freeze '' letter attached, I placed on my Lexis Nexis report in XX/XX/2018 XXXX suppression ) and XX/XX/2018 ( security freeze ), yet they are still claiming Lexis Nexis " verified '' their information. Lexis Nexis has assured me via phone and per suggested " suppression '' and " security freeze '' that information can not be accessed through their portals with XXXX once these items are in force which they are now and were at the time of supposed verification. XXXX claims they " verified '' and Lexis Nexis is still reporting according to XXXX. I would like Lexis Nexis to abide by their " suppression '' confirmation and " security freeze '' confirmation ( documents attached ) and protect my privacy by disallowing XXXX to continue to verify their information they are supplying erroneously and obstructing my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I submitted to my servicer who has both the first lien mortgage and the second lien mortgage. They denied me the modification of the first but they gave me a 1 percent on the second with a defer o XXXX and XXXX. 

Then I got my statement on the second they charged me XXXX all entered on the same day as XX/XX/2018. They put me on default but my payment was only XXXX per month. 

I need your help as these lenders and servicers are repeating errors that the National Mortgage Settlement and the Homeowners Bill of Rights was give to assist consumers.

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 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CT

Complaint narrative:
On XX/XX/2019, I received notification from XXXX XXXX that Nelnet had posted negative remarks on my credit report with XXXX which caused them to drop my credit score by 40 points. On XX/XX/XXXX, they did the same thing with XXXX with dropped my credit score by 43 points. The payments with Nelnet for my daughter 's federal student loans I applied for haven't even started yet and they're making trouble for me already. If they're pulling this XXXX now, what will they do if I really do something wrong? Nelnet has NO business reporting every little thing to XXXX, XXXX  or XXXX unless I do something serious like miss a payment or default on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Starting XX/XX/XXXX until now ( XX/XX/XXXX ) I started receiving anonymous and threatening calls regarding an alleged past due amount owed on a checking account from Wells Fargo in XX/XX/XXXX. I have received numerous calls from XXXX XXXX XXXX with a court docket number and I called them back and was redirected to XXXX XXXX XXXX and was then told they are not handling case but could give me a summary. XXXX XXXX XXXX informed me that case was being handled from XXXX XXXX XXXX out of Texas. XXXX informed me of an address discrepancy as the reason why they could not deliver the summons to me personally and accused me of writing " bad '' checks and blatantly told me " I was living recklessly '' AND THAT I WOULD BE TAKEN TO COURT. They never informed me that " this was an attempt to collect any debt ''. This was settled and these agencies should not be contacting me at all. XXXX stated I had overdrawn a checking account for XXXX which is ABSURD! This was over 10 years ago and would like to do everything possible to stop these people.

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 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted complaint # XXXX in which someone at CFPB has abused its authority aiding in the concealment of the fraud involving debt bondage and trafficking. Ocwen Loan Servicing, LLC foreclosed on a Deed of Trust # XXXX XXXX and conducted a foreclosure sale as it claimed there was a balance owed to the lender. QUESTION : What is the name of the lender it paid off? Ocwen has admitted it became the agent collecting the loan and was contracted by XXXX XXXX XXXX whom acquired certain liabilities from XXXX XXXX, XXXX. the purported originator of the loan, however, there is no recorded acquisition in public records from XXXX XXXX, XXXX. to XXXX XXXX ( now XXXX XXXX XXXX ). 
What is the NAME of the Lender, specifically the holder in due course of the contract? What is the name of the lender that claimed it suffered a loss and therefore having authority to real estate, land and building, immovable property? Please require someone having authority to act in the capacity of an officer answer under penalty of perjury. And also, reveal the name of the employee whom interfered with my right to due process in obtaining the name of the lender? State the name and position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX has an 60 Month installment loan with XXXX XXXX XXXX XXXX open on XX/XX/2018 to present that is paid as agreed on monthly basis. My Equifax credit report is reading a XXXX XXXX XXXX XXXX revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms duration. Please update and correct my XXXX XXXX XXXX XXXX XXXX from revolving credit loan to 60 month term installment loan with Equifax, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. XXXX XXXX states problem is with Equifax. Equifax states problem is with XXXX XXXX. XXXX XXXX XXXX just wants info corrected with both Equifax and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a credit card account with Chase in XX/XX/XXXX ( SLATE Card ) under a military program. I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have been trying to fix it with CHASE and they keep on telling me that my Slate CC was not covered under that program due to some amendments. That being said, I recently opened another credit card account, the Freedom card around XXXX or XXXX of last year to consolidate all my CC accounts into that account. It so happened that they had a great offer with that account, and zero transfer for 18 months. I have been very patient with Chase to help me out with the Slate card and they kept on turning it down. I even ask them several times to let me know before I use it again to transfer some balance once again and there were no answers until I recently executed a big transfer a couple of months ago and they immediately charge that account of $ 200+ of charge fees!!! I told them that I will not use those accounts ever again and I will report them for what they have done. I need some help on these issues. I am currently paying the minimum until I resolve this issue with CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have had many issues with Overdraft fees that I have to pay at my bank, although many neighbors don't get charged fees at the same bank. I was therefore thrilled to find the XXXX XXXX. It advances me up to {$75.00} per pay period, which I've utilized to avoid magic math at citizens bank. This morning at XXXX XXXX, all weekend transactions had gone through, according to the Citizens app. But I was at a negative {$3.00}. 
Fortunately, I have the XXXX XXXX. I asked and XXXX sent me {$75.00}. But my account stayed in the red at - {$3.00}. 
I telephoned Citizens Customer Service at once. The agent nicely looked over my account and says, " you had over {$500.00} when that {$75.00} hit this morning. '' I explained that I have screen shots to the contrary. I explained that I would have no reason to ask for the {$75.00} from an app if I still had {$500.00} in my account. I explained that items paid on XX/XX/19 are now showing as being paid on XX/XX/19. I explained that I have the date, time and confirmation numbers of said transactions. I really felt like he finally understood. And then he hung up on me. I would like to assume we were disconnected, but no one returned my call. Citizens owes me {$71.00} Also, while searching my account, I see I was charged over {$1000.00} in overdraft fees last year. Since I know people who have overdraft more than I but weren't penalized by Citizens Bank, I'd like to start a clean slate with my bank in XX/XX/2019 and accept the balance of what they owe me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
As an initial matter, this IS NOT a duplicate complaint, nor should it be treated as a duplicate complaint. If it is treated as a duplicate complaint, it will be submitted over and over and over again, until Citibank decides to address it, and if it can not be addressed by Citibank on this forum, then it will be FORCED to address this matter in COURT ...

In any event, pursuant to page 28 of the Citibank Client Manual, I notified Citibank, in writing, that I do not agree that Citibank may pay or reject any check which is presented to Citibank for payment more than six months after its date ( a stale-dated check ), on any of my checking accounts, even if the presentment occurs after the expiration of a stop payment order. Further, I also notified Citibank, in writing, that I do not agree that Citibank is not required to identify stale dated checks or to seek my permission to pay them. To the contrary, I notified Citibank, in writing, that it may not pay but shall reject any check which is presented to Citibank for payment more six months after its date ( a stale-dated check ), on any of my checking accounts, including, but more specifically, the checking account ending in XXXX. 

Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be liable for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this shall supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.

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 2019-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
XX/XX/2018 : {$6000.00} was withdrawn from my savings with what appeared to be a XXXX account linked to my SunTrust Savings account. After several days the money was reimbursed. 
I reported this immediately to SunTrust. After being told the first time it wouldn't happen again, 30 days later it did. 
XX/XX/2018 : {$35000.00} was withdrawn from my savings and two checking accounts with again what appeared to be dozens of XXXX accounts. 
I immediately froze my account, changed my passwords again. After about 10 days, the funds were returned and I unfroze my account so that I could transfer all funds to a new bank ( XXXX ).  While waiting over the past 48 hours for my check to clear to the new bank, additional funds are now being sucked out of my checking account and I am told SunTrust " probably will not be able to stop it ''. I notified them within 30 minutes of the transaction pending and they are unable to prevent it. I literally do not have enough time to move the funds before the thief steals from me again and SunTrust is incapable of preventing the theft from occurring. It is now impossible for me to move the funds. My mortgage was due weeks ago and they have provided no assistance to ensure I can access my money.

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 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Since being notified that there was a new owner of my loan in XXXX of 2018 I have asked for more information from Shellpoint as to correct mailing address and phone number for the new owner of the loan who is XXXX XXXX XXXX XXXX, not individually but soley as Trustee for XXXX XXXX XXXX XXXX XXXX. The only information I was given was a mailing address XXXX XXXX XXXX in XXXX XXXX, California.I sent a letter to that address and it was returned as undeliverable.. I an entitled to have correct infiormation on the new owner which is accurate including a phone number and a contact person. My requests have been ignored and I would like this issue to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX has an 60 Month installment loan with Navy Federal Credit Union open on XX/XX/2018 to present that is paid as agreed on monthly basis. My XXXX  credit report is reading a Navy Federal Credit Union revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms. Please update and correct my Navy Federal Credit Union Loan from revolving credit loan to 60 month term installment loan with XXXX, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. Navy Federal states problem is with XXXX. XXXX  states problem is with Navy Federal Credit Union. XXXX XXXX XXXX just wants 60 month term loan corrected with both XXXX  and Navy Federal Credit Union immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Utah System of Higher Education
State: NM

Complaint narrative:
This morning I received a call from XXXX of the Utah Higher Education Assistance Authority -- a collection agency contracted by the state of Utah. He contacted my employer for garnishment on A LOAN THAT NEVER EXISTED. 

He had my name wrong, my SSN wrong, said I attended XXXX XXXX University ( never did ), that I owed {$250000.00} ( never took out a loan ), and that Ive been in default since 2007. All wrong. Since I didnt cooperate by giving him my true information he said he was issuing a garnishment order on my pay. He was belligerent and didn't care that all his information about me was wrong. 

I called another person at his agency, who confirmed that he does work there ( UHEAA ). She said he violated several company rules. Then I spoke to a person from XXXX XXXX XXXX who said these companies use scare tactics to get money from people who don't owe and that it's becoming a national epidemic. 

Please investigate the Utah Higher Education Assistance Authority, as " XXXX 's '' tactics amount to coercive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
On XX/XX/XXXX-18 my agent submitted an offer and all documents to Ditech for the short sale. She has continually been asking about postponing the foreclosure sale date, but Ditech keeps saying they are missing documents even though my agent has sent them in repeatedly. when she called in today she was told they couldn't review the offer until they had a postponement of the sale date, which is THIS FRIDAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My mortgage was previously with XXXX XXXX XXXX  wherein I complained about the misapplication of my mortgage payments. See complaint # XXXX-XXXX and XXXX-XXXX. My loan was transferred to Fay servicing after XXXX XXXX stated they had sold my loan to XXXX XXXX and they washed their hands of the entire situation without answering any questions. Fay servicing was contacted about the loan, however, initially could not locate it, then finally after filing a lawsuit against Fay and XXXX XXXX regarding the upcoming foreclosure a requested reinstatement from Fay Servicing and received one and also XXXX XXXX XXXX which called for them to paid also. The borrower is being asked between the both of them for {$76000.00}, on a reinstatement figure which is no more than a little over 38K. The borrower account has been mishandled in every way, XXXX XXXX wants it both ways, and Fay servicing does not know who's on first. 
Both reinstatement figures differ, moreover, the Trustee is at question here XXXX XXXX who has requested payment for XXXX XXXX the entire time, how then are they taking the place for Fay Servicing, XXXX XXXX and now Fay Servicing is introducing, XXXX XXXX, XXXX XXXX as Legal Title Trustee for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
33 pages were sent at one time including full bank statements Things ended with XXXX when house went to auction. 
So i went back to Wells Fargo and have talked a lot with XXXX XXXX. 
I got a call and did not get to it in time. 
I got a message from XXXX and XXXX Wells Fargo lawyer that i had to move by XX/XX/XXXX but no notice by mail. 
I am XXXX and can not just move in 2 weeks.

I need 30 to 45 days as i have to live on first floor. I want 2-3 bedrooms as my son is living with me as he has no job but looking.

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