vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 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:
On XX/XX/19 I noticed a check was processed though my account I immediately contacted to citizens to advise them of this fraudulent activity the first rep showed no concern stating he didn't understand since I signed the check! I did not sign any check and citizens can confirm this is not my signature if they compared to any of the hundereds of checks that I deposited the rep advised he would start a claim and that it would take 6-8 weeks for me to be reimbursed! I requested a supervisor who explained yes it would take six weeks for reimbursement I advised her I had emails from a company I purchased checks from advising my check order went to and incorrect address back in XX/XX/XXXX and the check numbers! This was the first number form the batch of missing checks! XXXX stopped payment on the remainder checks and told me I would be charged a {$35.00} fee! She would look into rebating that fee but I have not heard back! My concern is there was no lack of urgency with reversing these funds as they can plainly see this is not my handwriting I feel citizens does not protect their consumers from fraudulent activity! I cant afford this to happen at this time my husband has been out of work for 5 months and citizens can confirm the XXXX checks being deposited which is 80 % less of the income that normally goes into this account..My funds are supposed to be protected with this bank and they are not! I am beyond frustrated with the lack of concern the no protection and the time they are advising they will reverse the funds to my account! There was a check written for {$400.00}! By a XXXX XXXX are they looking to see where this person cahsed this check and where it was accepted and after this person! Per XXXX she stopped payment on the remainder checks starting with XXXX I hope she has done this! I told her I have the email for the company checks in the mail advising my checks were sent to an incorrect address hoping that would speed up the reversal but it didn't!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have repeatedly requested the credit card fee waived under their SCRA terms and conditions. There have been two requests submitted, but the charge remains.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: MN

Complaint narrative:
I am a customer and have an impeccable payment history with JD Byrider. My car was totaled and I was given a new one by Byrider. They insurance paid the value and I was asked to pay the rest. I did. They refused to give me the car I paid for. Regarding the new car, I have made the payment payments on time. I have to call each time to make the payment. Many times I call no answer I have to call back. I called last Friday and no answer. I called Saturday a d the manager refused to accept my payment asking why t did not call on Friday. I told him I called and he said they were busy and I should have called back so he will reposes my car, even though I am not behind in my payments. Also from the start and during the last conversation I informed him to put my card on file for automatic payments he refused and wants me to call. I have a job and work and can not call every Friday, whilst at work. I don't owe and he said he will put my car for repo 's by refusing my Friday payment o. Saturday when I got a hold of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have a total of 5 loans. Two are in my now deceased mother and my name, One is just in my name, and two others are in my father and my name. Since my mothers death we contacted Salle Mae and asked about if there could be in reduction due to not having an income to support the loans initially made. The total student loan debt originally was over 150k. They told us no, the did lower the interest rate for a period but what we missed was while we paid the lower interest rate they added the difference in rate to the balance. As you can imagine, that was not helpful. Since we realized they were doing this we went back to the standard rate but in order to pay these loans I have to have my father pay two of them himself because I can not afford all 5. My father is ready to retire and this over {$800.00} a month payment is extremely difficult and puts a strain on our relationship and pressure to me. He will be on a fixed income and straddled paying my debts and debts acquired when my mother and he were financially separated because I can not afford the payments on my own. When we contacted SallieMae on her death the only consideration was to remove her name from the loans and make me fully responsible ... that was not helpful. They offered no reduction and again only a temporary interest rate reduction that only added to the outstanding balance. Which I felt was pretty shady. 

I looked to refinance the loans but because they are SallieMae they are not eligible to due so. I am left with a HUGE debt that I will be saddled with for several decades if not longer. They really offer no solution that is doable to reduce these costs and I am at my wits end trying to keep up with the payments. 

These loans and the costs of them were not laid out properly to me when I was in school and I had no idea of the amount of debt and time to pay this off would be. In addition, the death of my mother whos income was over 100k prior to her death has added additional stress. SallieMae has made no solution available that does not just add to the balance and continued repayment term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase United Clib MileagePlus Card In March, 2019 I responded to an offer to receive XXXX  bonus miles if I spent {$3000.00} on the card and reconciled that balance within the first 3 months of having the card. 

My application was accepted and my first billing statement was XX/XX/2019. Within the first 3 months of having the card I spent and reconciled nearly {$10000.00} of payments. 

I never received my bonus miles. 

In XX/XX/2019 I called Chase to determine why I had not received the miles. They stated that I had instead accepted an offer for the first year 's annual fee ( {$450.00} ) to be waived, an offer that I did not sign up for. 

I elevated the complaint within Chase, mentioning that I could be happy to pay the {$490.00}, but I wanted the bonus miles since that is what I signed up for. On XX/XX/2019 they sent me a letter via mail that I had signed up for the annual fee waiver and not the mileage bonus, and that my case was closed. 

I did not sign up for an annual fee waiver offer, and I would like my bonus miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The CFPB form asks people if they have tried to straighten out the problem with the Company! I did! At least 15 times!

I have tried at least 15 times ( fifteen times ) to get this straightened out with the company! Literally! 


_____. 
TRANSUNION Fax Number - - - ( XXXX ) XXXX Attention : CCD ( Consumer Contact Department ) TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XX/XX/XXXX. 





__ Subject : TransUnion must immediately remove or soften a certain inquiry!!!!!!!! 

__ To Whom It May Concern : I received a copy of my credit report and found the following item to be error. Here as follows is item in error : The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX  Date - XX/XX/XXXX Explanation : I requested to be provided proof if I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. You sent no proof immediately of that, now it must be softened or removed immediately! 




By the provisions of the Fair Credit Reporting Act, this item should have been - SHOULD HAVE BEEN - softened or removed from my report! Please immediately soften or remove this item! 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you should have completed this re-investigation within 30 days of receipt of my earlier letter! 

. 

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & ADA & other laws has  already expired!!!!!!!!!!!! 

SPECIAL NOTE # 2 - I am a paying customer of TransUnion!!!!!!! Even tho I am a paying customer of TransUnion - TransUnion has often failed to do what TransUnion has been paid to do!!!!!!!! And TransUnion has even failed to do many things that TransUnion is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with TransUnion?????????????? TransUnon is required to immediately delete or soften the above stated inquiry!!!!!!!!!!!! 


. 
God Bless America!

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 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/2019, I applied for and was approved for a secured Citibank Card, for which I paid a {$500.00} deposit. I never recieved the card - and since then, I have contacted the company six different times, trying to have duplicate cards sent, new accounts set up and accounts sent, and provided two different addresses. Each time I contact the company, I have spent over an HOUR on hold, only to be told " we'll fix it '' but I have yet to recieve a single communication ( or actual card ) from the company, despite 6 telephone calls, two addresses, and hours of frustration and communication. When I told the last customer service representative that I wanted my deposit returned, she told me " that's impossible '' and hung up on me. It has been four months since I opened the account and paid the deposit, but I have yet to recieve the card. I simply want the services which were promised to me. Citi 's staff is woefully undereducated as to their own processes, provide blantantly false information, and consistently fail to provide the results that they purport they are offering.

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 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
XX/XX/2019 a letter from Nissan Corporation was sent to me for a past due balance of {$820.00}. I called them on XX/XX/2019 and an agent told me to pay {$150.00} to stop repossession, so I did that day. The following week of XX/XX/2019 I made a payment of {$650.00} towards the past due balance. Then another payment of {$420.00}, in which they told me I was caught up on my payments. Then on XX/XX/2019, made a payment of {$400.00} to try to keep my account current. The only payments I've missed were XXXX and XX/XX/2019. And were making partial payments due to employment issues. Now they're saying that I'm {$2000.00} behind once again! I've written to the FTC and to corporate about this problem. Lately they've been threatening to repossess the vehicle and harassing me through email for monies so called owed. All this after I've written a letter to them clearly asking them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: OR

Complaint narrative:
I received a letter from Millennial Home Lending that was deceptively suggesting that they were affiliated with FHA. Only in the fine print does the letter reveal that it's actually from Millennial Home Lending. The letter is an attempt to have me call their " FHA Loan Service Center '' number at XXXX with my " eligibility number '' to find out how I can get a " tax free '' cash-out refinance for " {$25000.00} or more. '' I believe this letter is a UDAAP violation.

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 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Received a letter, Dated XX/XX/2019, from a debt collector falsely stating that, I owe {$730.00}. This is not my debt. I informed the debt collector that, I am represented by a Law Firm, regarding the alleged debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My mortgage originated with XXXX XXXX on XX/XX/19- amount {$4300.00}. My first payment was due XX/XX/19- I made a payment of {$500.00} + the obligatory interest of {$18.00}. Within days the mortgage was sold to XXXX XXXX whose servicing company is XXXX. Because of the time period during the transition, my {$500.00} payment has never been recorded, nor has the interest I paid. I have scheduled my 3rd payment to be made at the end of this month and the balance still has not been corrected to even reflect the 2nd payment. I have submitted copies of my checking account and and the payment schedule from XXXX XXXX to no avail. No one gets back to me and this has been going on for 2 months. I need someone to intercede on my behalf.

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 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I graduated from XXXX XXXX XXXX in XX/XX/XXXX with a 2 year XXXX degree in XXXX XXXX XXXX. The degree did benefit me with work from XX/XX/XXXX until the closing of the school in XX/XX/XXXX. Following the announcement of the closing, my job prospects have evaporated. No one has officially stated that my degree is now invalid, but the fact that job offers disappeared seems to be more than a coincidence. In XX/XX/XXXX I contacted the PA Attorney General 's office, requesting that this office please assist me with having my remaining loan with Navient dismissed due to the closing of my school. Ms. XXXX XXXX responded, stating that the Bureau of Consumer Protection had received my request. She continued by informing me of the lawsuit filed against Navient by their office on XX/XX/XXXX for such matters as I was dealing with. We corresponded a couple of times and spoke by phone once. I felt that they understood my issues with Navient and would represent me should I have to also file a lawsuit. Unfortunately contact with the Attorney General 's office ended in XX/XX/XXXX, for reasons unknown. 
Since XX/XX/XXXX my federal student loan has been deferred under the Income Driven Repayment ( IDR ) plan, accruing interest on a {$10000.00} outstanding loan amount. My monthly payment has been {$0.00} since XX/XX/XXXX. Currently the accrued interest amount on my loan of {$11000.00} is $ XXXX 4.750 %. When I left school in XX/XX/XXXX my  fixed interest rate on the remaining balance of {$17000.00} was 2.50 %. Each year that the IDR is renewed, the interest rate is adjusted to the current interest rate. This XX/XX/XXXX I received a notice from Navient that I needed to reapply for IDR or payoff my student loan. I contacted Navient, making them aware of my financial situation and to request that my student loan be dismissed due to the closing of the school and nullified value of my diploma. I was denied a dismissal, but instructed on how to reapply for the IDR. As of XX/XX/XXXX I received a notice from Navient, stating that my IDR had been approved and information would be sent following XX/XX/XXXX. 
I request that Consumer Financial Protection Bureau please advise in what action I may have available for my situation with Navient, in regard to my dismissing my student loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XX/XX/XXXX- T - Post Date via XXXX XXXX XXXX withdrawal XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX PayPal - XXXX XXXX - XXXX- XXXX - Various purchases XX/XX/XXXX-XX/XX/XXXX I am discovering I am a victim of identity theft, my information was obtained by a previous in-law and used fro nefarious purposes. 
I began to notice the shift around XX/XX/XXXX and have been suffering sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
The following Hard inquiries were made on my credit : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In XX/XX/2018, I Applied credit Freeze to my XXXX and XXXX  accts  via XXXX XXXX I then Called XXXX cust service on XX/XX/XXXX to inquire as to why they were making inquiries on my credit They had no record of my name/address I then Checked XXXX XXXX for my credit report XX/XX/XXXX I Found that there was an account in collections that was attached to my credit Collection agency XXXX XXXX XXXX # XXXX ( acct ) Reported XX/XX/XXXX The information on the account : Acct : XXXX XXXX - {$1600.00} Client # XXXX Acct holder XXXX XXXX ( authorized user XXXX XXXX ) XXXX XXXX # XXXX, XXXX VA XXXX I do not know XXXX XXXX or XXXX XXXX - i do not have any connection to this address in XXXX, va - and I NEVER opened this account - I Explained situation ; ( XXXX XXXX @ XXXX ) advised me to call XXXX I then called XXXX cust serv XXXX XXXX advised I needed a police report or go to XXXX file a claim and email it ; Went to two police precincts neither were able to help ( no one in to handle this type of report ) Went online and filed claim and emailed to to XXXX XXXX XXXX. XXXX Filed claim of fraud with XXXX acct : XXXX spoke to XXXX XXXX @ XXXX stated the collection file was removed as of XXXX Now, as of XX/XX/XXXX SEQUIUM ASSET SOLUTION has placed an account for collections on my credit file - SAME PROBLEM -- Original creditor : XXXX XXXX {$1400.00} I tried to call SEQUIUM -- they say they can not help me - On XX/XX/XXXX, I received an email from XXXX XXXX ( REC DOCS ) stating that they had received the fraud packet, and assigning a customer ticket # - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The CFPB form asks people if they have tried to straighten out the problem with the Company - I did!!!! At least 17 times!!!!

I have tried at least 17 times ( seventeen times ) to get this straightened out with the company! Literally! 

I tried with e-mails - faxes -telephone calls - and paper-mail!!!! 

___ EXPERIAN Fax Number - - - XXXX - Alt - - - XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information!!!! 


To XXXX XXXX & Experian & Others Whom It May Concern : ___ I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1 } The following inquiry needs to be softened or removed immediately : Creditor Name : BOA Date - XXXX Explanation : I requested to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Experian provided no proof - I would like it softened or removed immediately!!!!!!!

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & FACTA & CARD ACT & ADA & other laws has already expired!!!!!!!!!!!!

SPECIAL NOTE # 2 - I am a paying customer of Experian!!!!!!! Even tho I am a paying customer of Experian - Experian has often failed to do what Experian has been paid to do!!!!!!!! And Experian has even failed to do many things that Experian is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with Experian?????????????? Experian is required to delete or soften the above stated inquiry TODAY!!!!!! TODAY!!!!!!!!!!!! 



2 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX XXXXXXXX Date - XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately, I would like it to be softened or removed immediately!

___ God Bless America!!!! 
___

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