vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
After experiencing life 's hurdles, I have since been from unemployed and struggling to trying to make ends meet and keep up with my Navient XXXX Loans. 
I have attended the XXXX XXXX of XXXX and graduated in XXXX. The school has been Sued and Closed due to pressure tactics and false information to student during enrollment. 

I have gracefully notified Navient of this change. I file a Borrower 's Defense to Repayment and have had my federal loans waivered until XXXX. Navient did not notify me of the update until I contacted them for an updated after several weeks of checking their hotline : XXXX. 

Afterwards I continued to see what my repayment options were for my XXXX XXXX Loans. For some time I have been given the option to pay {$50.00} to put my account on hold status with interest accumulating for 3 months. I have done this numerous times until my financial status changed for the worst. 

Again, I notified Navient of my status changes along the way. I continued to be directed to pay {$50.00}, even after I discussed only having {$25.00} in my bank account. 

I attempted to ask a representative in recent months about submiting my Borrower 's Defense to Repayment application via email portal online for possible review because my school has been sued. I was notified the application doesn't qualify for private loans. I re-stated my case for special circumstance on not JUST the school closing, but because they were SUED, my application should qualify for someone to look at. 

I was given specific instruction on how to send it through email online. I went to the site and after a grueling 30min of searching, there is NO email upload option for private loans. There is ONLY the option to send a message. I sent messages about how to upload my application, only to get a phone number to contact. 

I contacted the phone line and was told that I can not send it to them and to apply for a school closure form. My question to Navient was " what are the contingencies? '' The representative asked my questions about graduating recently. I informed her my details of graduating in XXXX. She stated I can try to fill out the form that is coming in the mail 7-10 business day, no online form. I asked for a contact number for payment options. I was given to Navient XXXX line where I learned I am in Default and have 2 days to pay {$400.00}. 
The representative XXXX informed me that I dont qualify for the XXXX XXXX application. I asked why would i be directed to that if I didnt? He stated : I don't know. 

My credit is ruined and I don't want to attend any court proceeding. I have gracefully paid navient on loans in the past and have been desperately trying to find other options for payment. 
I have received a constant time-sensitive run around between reps giving me other contact info and coming to a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My wallet was stolen. I called to close my card and check on activity. I wanted XXXX funds or anything transactional. I only wanted to verify my card was not used, and terminate my card. They stated, my voice was not authenticated. They had no other options to authenticate me. I have all my personal information. They would not assist me. I solely attempting to protect my account and card from fraud use. They would not help or assist. Terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Processing Services
State: FL

Complaint narrative:
XXXX subimitted as additional to Complaint filed on XX/XX/2019. 

United States Post Office says company published address XXXX XXXX XXXX  XXXX XXXX, CA XXXX is an invalid address. 

XXXX XXXX XXXX XXXX list the following information about the collection : XXXX was not able to locate a business registration for Regional Processing Group, LLC in XXXX XXXX or with the State of California. We reached out to the business requesting this information but the business did not respond. 

Regional Processing Group, LLC does not advertise a physical address but only a PO Box that XXXX got returned mail from. 

XXXX urges caution when engaging in business with a company that does not have a valid physical address or that you can not verify its registration.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
there was an {$18.00} charge by an XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX on my statement on XX/XX/19 & an International Purchase Fee of {$0.00} on XX/XX/19 that I did not recognize. I began immediately to call & try to alert the Fraud investigators at Comerica ( XXXX XXXX XXXX ), my XXXX debit card Account. Their lines were too busy to take my calls until I finally got through on XXXX XX/XX/19. the SR Number is : XXXX for my complaint & XX/XX/19, I got a dismissal letter from the Fraud Division, claiming there was a conflict in my report & disallowing my report of this theft of my SS funds. When I tried to get through to request the documents from the investigation, the lines were busy again. this is about the XXXX time I have had these unauthorized theft of FUNDS in this account & been told it wasn't a theft, but never got the records of the investigation. This is happening way too often, in this XXXX Comerica Account. I need a better result, I hear the same thing from my known XXXX recipients too. The LAW needs to be changed to require at least the business phone number from these HACKERS, so a complaint doesn't get brushed aside. I can't afford these losses of my meager living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My dispute is with Santander Consumer upon repossession of vehicle company refused to accept any of my payments I called around to see what I can do the company still refuse to accept any of my payments I asked the company for information on notice to sell vehicle or location to purchase repossession I was not provided with any of that information to recover my vehicle. I was not given a notice of reinstatement, no notice of sale or location of sale. I called them and still they refused. This is a violation of my rights how can you report to my credit bureau for me to pay for something that I did not have nor expect me to pay when no notices were received. I did not even have an opportunity to purchase my vehicle at auction no notices address or information were given to me. I would like this removed from my credit report for failure to accept my payments and failure to properly advise me of my rights and provide notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
The account was running late as my husband had not been responsible with credit card. 

I am an authorized user on the account, which means my credit tanks with his. I reached out to CitiBank and asked for the payoff from a representative, I paid that amount in XX/XX/2018. The account was closed, so to my knowledge, that was all we had. 

This morning XXXX XXXX ... I receive an alert from XXXX   app advising of a finance charge of {$5.00}. I immediately log into my account and see that they have charged me additional fees and reporting late balances. 

I called into customer service to let them that I wasn't aware of any fees, seeing as though the account was paid off. I asked them to remove late charges because I wasn't aware of the issue. They refused and still couldn't guarantee that I wouldn't receive any other fees. 

This is not my account, however, I was on the account. I paid the {$5.00} although I didn't feel like I should have. This is not great customer service. 

I feel like it's a cowards way of attempting to ruin one 's credit and keep getting fees on an account that has been closed for over a year.

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 2019-03-27 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: GA

Complaint narrative:
I have had this loan for my daughter for over 15 years. It started at {$17000.00} and is up to {$30000.00} + Navient has not tried to help me pay down this loan they want an exorbitant amount of money each month. I am XXXX years old and just get social security and can not send them over {$400.00} a month. I tried to work our a repayment plan with them and they push me into Forbearance most of the time there have been times that I was also in deferment. To make a long story short the interest just keeps increasing. I can't talk to anyone that has enough power to discuss repayments most of the people I talk to are in another country. What they have done to people like me is criminal. I need help with this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On twelve occasions payments made were applied 100 % to interest : per the federal truth in lending act every payment made, whether on time or late, must be applied to BOTH principal and interest : the dates are:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. When this is done, the principal is not lowered and ultimately the bank keeps charging interest on a principal balance higher than it should be thereby earning illegal additional interest. The bank is Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
I paid my personal student loan that was held by American Education Services with a personal loan that I received from XXXX XXXX. I have not received any information since the payoff, no letter confirming the payoff. In addition, the XXXX XXXX over paid the loan amount due and the refund check was never received by me, the borrower, nor XXXX XXXX. When I called the student loan company I was given a check # and an amount of {$770.00} but no one can tell me where it went only when it was sent and I have no confirmation of it, no receipt, nothing. 

It is extremely frustrating and the customer service is not good at all. 

We need to find where our check is and have confirmation of the payoff. The service that American Education Services has provided is extremely poor and seems a fit fraudulent because of the loss of funds and the bad communication. 

Company information : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX-XXXX-XXXX-XXXX  Fax : XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: WI

Complaint narrative:
I have filled a FTC IDENITY THEFT report. I called Real Time Resolution and gave them my reference number for the idenity theft report. I felt by the way I was treated over the phone they really were not worried about this being a fraudulent account and more interested in collecting money.. I asked for the account to be deleted from credit bureaus and the conversation still seemed focused on me paying them.. I am a victim of identity theft and they refuse to acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I received letter from Sequium Asset Solutions , LLC regarding an alleged debt to XXXX XXXX  dated XX/XX/XXXX. On or about XX/XX/XXXX I sent Sequium a Validity of Debt letter inquiring on said debt. I closed my account with XXXX XXXX in XX/XX/XXXXand paid {$100.00} on or aboutXX/XX/XXXX. I again received an invoice from XXXX XXXX - stating they didn't note my account was closed. I again paid {$100.00} on or about XX/XX/XXXX. After continued communication from XXXX XXXX  that my account was past due- I spoke with a representative on or abouXX/XX/XXXXwherein I received a credit on my account for {$100.00} and {$4.00}. A subsequent email was sent from XXXX XXXX  stating that my account was finally closed. I then get another invoice in XX/XX/XXXX stating my balance. I again called XXXX XXXX to advise them that my account had been closed since XXXX. No further communication came from XXXX XXXX  until this letter from Sequium in XX/XX/XXXX

As stated above, I sent a letter requesting validity of debt on or about XX/XX/XXXX. To date, as of XX/XX/XXXX, I still have not received a copy of the validity and it is now being reported to my credit bureau as a collections account. Sequium did not comply with the validity request pursuant to the FDCPA. I am requesting this be removed from my report as I was never provided validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY EQUIFAX OR ANY OF THE OTHER REPORTING AGENCIES.

please remove all FRAUD ALERTS.

THANK YOU!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I was notified by an agent of Prosper, employee # XXXX, that my payment was 7 days late, this was the first payment due. I had set the account up for auto payment and submitted all the correct account info to Prosper evidences by the fact that same info was used to transfer the loan proceeds to me. As I spoke with the aforementioned employee it was uncovered that Prosper had made a data entry error and was missing one number in my bank account number. I provided the correct number and agreed to have them take the payment they refused stating I had to authorize a new account. I explained that this was not a new account, they agreed but stated that they wouldnt take the funds without me adding a new account. I was transferred to a supervisor employee # XXXX, she confirmed they would not take my payment unless I authorized a new account basically stating the error was my fault which it clearly is not. The kicker is that they have charged me for a failed payment. I asked that the payment be waived and they confirm that there were no fees applied to my account and no credit reporting. The supervisor only said she would request this but couldnt tell me if that would occur.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I had asked XXXX XXXX for a quote for rates on a home equity loan. I received a call from multiple companies and from Quicken Loans. Quicken loans decided to access my credit file without really asking me if it was ok to pull my credit. At no point in time I decided to enter in a loan application with them and when I received an alert from my credit monitoring services I found out that they had gone thru a third party vendor to pull my credit to just quote me rates. I find this to be illegal and deceiving. My credit score dropped significantly because of their inquiry. The sales person name was XXXX, and the supervisors that I spoke to at quicken loans were XXXX XXXX & XXXX XXXX. They both said that they did not have to ask me directly if it was ok to pull my credit. they said that it was assumed that I wanted to proceed when I requested the information for rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY XXXX OR ANY OF THE OTHER REPORTING AGENCIES. 

please remove all FRAUD ALERTS. 

THANK YOU!

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC
State: KS

Complaint narrative:
I wrote the company and told them this inquiry is not mine and I was a victim of ID theft. They told me to supply a police report, which I did. Once I did they would not accept it because it did not list them as a creditor -- they are NOT a creditor - it's an inquiry I am trying to remove and there is NO PLACE for a CREDITOR on the police report. I told them this is what they asked for and this is what they got. They refuse to proceed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK
State: AR

Complaint narrative:
My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score 140+ points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was 100 higher just due to these unknown fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
As of XX/XX/XXXX we ran our credit card bill up. We owed {$1400.00} on the XX/XX/XXXX statement. During XX/XX/XXXX I made these payments : XX/XX/XXXX {$2000.00} XX/XX/XXXX {$240.00} and XX/XX/XXXX $ XXXX.The payment date for the XXXX statement was XX/XX/XXXX. The new balance for XXXX was {$4300.00} with a payment due date of XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$2500.00} that is not showing on this statement because no payments were showing but I paid the {$2500.00} before the due date. I did not pay this month in full and accrued interest of {$45.00} which I do not debate. Then in XXXX my amount owed was {$370.00} with a due date of XX/XX/XXXX. I paid XX/XX/XXXX {$130.00} XX/XX/XXXX {$2500.00} and XX/XX/XXXX {$5700.00}. I paid all purchases besides the pending purchases which were the {$370.00} before the credit card close date. I accrued interest which I disputed of {$75.00}. I was told by TWO citi representatives if I pay the credit card off full in two consecutive months, then the interest would stop accruing. So on XX/XX/XXXX I paid XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX as the purchases posted. Then on XX/XX/XXXX I paid the remaining posted purchases of {$820.00} before the credit card close date and YET they still charged me interest of {$6.00}. I contacted them again and because my XXXX has a remaining statement balance it was not considered " paid in full. '' I have never had a credit card company that required me pay two consecutive months to stop interest or have I ever had a credit card charge me interest when I have paid the credit card down to a XXXX balance beside pending purchases. I am a XXXX member and when they switched from XXXX XXXX, we had no say. There was no paperwork we signed. To get a copy of the card agreement you have to request it. This is by far the worst credit card I have ever had. Citi does not allow customers to pay pending purchases online and XXXX XXXX allowed me to. I could eliminate some stress if it allowed me to pay pending purchases but they are using this as leverage to charge interest to customers.I don't see how a credit card company can charge interest when the card was paid in full.

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