vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 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: CA

Complaint narrative:
1 : 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation. Multiple requests have been made via 1- ( Customer Service Telephone call ) ; 2- ( Customer Service Telephone Number which gives this option ; 3-Certified, Notarized written request XXXX and XXXX sent to XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXX , SD XXXX received XX/XX/XXXX, and XX/XX/XXXX respectively. 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation does not list any exceptions and specifically states : " 1026.11 Treatment of credit balances ; account termination. Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Credit the amount of the credit balance to the consumer 's account ; Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; " I have complied with " within seven business days from receipt of a written request from the consumer '' and now am afraid of retaliation for asking for my due rights per this statute. Macy 's credit card customer service number has not really been any help with continued follow up requests : greater than 1 hour hold times ; no explanation is given except to write and ask for one ;  credit balance amount has multiple times been provided by customer service implying that this was an amount owed not a credit balance ; efforts to charge down the credit balances have been verbally granted multiple times but the card does not work even for small fast food meal purchase attempts. No calls have been received from Macy 's credit card except as a follow up on declined charges for identity verification and verification of attempted charge with the card still not working after the call. Additional payments to clear up supposed pending transactions have resulted in a larger credit balance and the pending transactions have dropped off because they were in fact not pending transactions but declined transaction.

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 2017-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: MS

Complaint narrative:
In XX/XX/XXXX, we started getting loan with Sallie Mae/XXXX the total amount borrowed is over 90,000, The interest rate is from8 % to 10 percent. I was the co-signer because the Representive said my daughter did not have credit and her income was not enough to get a good interest rate at a low rate and suggested that I co- sign with her on the loan. I did with the intention that the instrest rate be low because of my excellent credit. This was not true. They intern charged the highest rates with my good credit. From XX/XX/XXXX through XX/XX/XXXX they continued to use my good credit and still charge the highest rate. I am formally filing this complaint requesting reimbursement for all the interest and the misleading advertising and not using my good credit as a co-signer. The misleading advertising of interest rate. I only co-cosign to help my daughter get a get rate for her loans. But they yet charged a high rate. They used my information with not results. They mislead me and my daughter and caused pain and suffering because we have to pay back on higher interest than other races. This is unfair, misleading and false advertising. Getting a loan was confusing false advertising and they used marketing, high-pressure sales tactics, financial aid services, to recruite my daughter for a fraudulent loan. A resolution for this matter is to give us back pay with the interest they acted on us. My contact information is XXXX XXXX or XXXX XXXX our phone numbers are XXXX or 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 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Leviton Law Firm, Ltd.
State: NV

Complaint narrative:
I paid my worker 's comp Insurance for an outstanding balance on in the middle of XX/XX/XXXX as soon as they let me know it was due to settle the account and these guys still sent me letters and were incredibly rude on the phone and accused me of not making the payment even after proof was sent. In addition, after I directly asked if they had any relation to a previous collection firm ( something XXXX ) which I had already dealt with to close this issue out, that this was sent to I was told, no. After continuing to talk to them he admitted they did. They are very deceitful and should not be allowed to do debt collection if they can not be honest about what they say and do and confirm with the company that the debt was originally with is actually owed money, to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
1. I have my home property at XXXX XXXX XXXX, XXXX, GA, XXXX. 2. Since XX/XX/XXXX Nationstar Mortgage is handling the service of collecting mortgage. 3. My LTV on the loan is 71.7 % as of today. 4. Nationstar Mortgage should have removed the PMI under Automatic Termination by Mortgage Company as per HPA Act of 1998.
5. Nationstar Mortgage did not remove the PMI of {$77.00} cents when the loan LTV reached under 78 % automatically.
6. Each time, one person talks and does not understand this. 7. I wrote 3 letters to the President and he does not care to remove it, busy becoming XXXX XXXX. All the documents are with them and with me too. On XX/XX/XXXX, I reached under 78 %. The original Disclosure statement on PMI states the Automatic Termination of PMI under 78 % is XX/XX/XXXX. Nationstar Mortgage is not replying to the 3 letters I sent to its President, CEO, Chairman. They have to refund the excess amount of XXXX collected from me from the date I reached under 78 % that is XX/XX/XXXX. In the case XXXX Vs XXXX XXXX XXXX XXXX, the U.S. District Judge XXXX XXXX , a Pennsylvania federal judge has clearly given a Judgement that even a loan is modified, the original contract, the original PMI Disclosure Statement is part and parcel of the original contract and another Disclosure Statement based on the modified loan can not be given. Nationstar Mortgage was referred the above Judgement, still they are not refunding the excess collected from the date the LTV reached under 78 %. My loan account number with them is XXXX. Thanks XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: U.S. BANCORP
State: MS

Complaint narrative:
In XXXX of 2017 I received a Kroger credit card from US Bank that was suppose to provide a XXXX XXXX fuel credit once you use XXXX fuel points for the 1st year. After my 1st statement I noticed I was not receiving this reward after using XXXX fuel points many times. So I contacted the bank and they indicated I did not have this reward associated with my card. So I sent them all the information and the bank sent me a response on XX/XX/XXXX indicating my account would receive the described fuel discount for the 12 months from the date of account opening. I noticed I still did not receive the credit and asked the store - they told me to contact the bank. I contacted Kroger again and the bank again and the bank said I did not get this reward AGAIN. Kroger just emailed me and indicated I have to put in a number on the back of the card - WHICH IS NOT IN WRITING ANYWHERE. So needless to say I did not get this benefit for 5 months.

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 2017-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the XXXX details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2.  XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) :  XXXX - Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2017, my wife and I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement.
On XXXX XXXX, 2017, after the purchase was completed, I noticed on XXXX XXXX that I had received XXXX ( XXXX ) hard inquiries from this transaction. According to the XXXX details shown on this service, the XXXX  ( XXXX ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XXXX/XXXX/2017 ) 2. XXXX XXXX ( XXXX/XXXX/2017 ) 3. XXXX XXXX ( XXXX/XXXX/2017 ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XXXX XXXX, 2017 - Phone call - left a voice message 2. XXXX XXXX, 2017 - Email to XXXX XXXX 3. XXXX XXXX, 2017 - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX

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 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I am a XXXX XXXX so I am part of the PSLF program in order to have my loans forgiven. Part of that process is re-certifying my employment and income each year. On XXXX XXXX, 2017, FedLoan Servicing stated that my new payments would be {$470.00}. I called in to confirm that my employment verification was also received. The person on the phone told me I could have an even lower payment amount if I switched to the REPAYE program and that it was still one of the covered plans under PSLF. I certainly would love a lower payment so I switched. Today, XXXX XXXX, 2017 I received an email that my new monthly amount was {$790.00}!!! Almost {$300.00} more than my previous payment. I would have NEVER switched plans if this was going to happen. FedLoan Servicing said they made a mistake in their original calculation of {$470.00}. I want to go back to my old plan and my old monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OR

Complaint narrative:
Hello, In an emergency a few years ago I ordered checks through my bank, PNC, and it wound up costing almost {$40.00}. I ate it at the time because it was an emergency and I did n't have much of a choice. When I went to my bank to ask if there was any way to get simple basic checks at a low cost or preferably free since it 's a service that should be offered to customers for free ( I did not realize you have to spend money to spend money as well ) and the marginal cost of checks has to be very low for a bank. They lied through their teeth. First the representative claims to me that there was no shipping on these checks and they cost between $ XXXX-XXXX. Then he proceeds to sell me on a higher fee account on claims that there would be a heavy discount on ordering checks. I made it through to the checkout portion only to find he had lied to me about shipping costs and in fact an new order of checks did cost between XXXX-XXXX dollars. And if I recall correctly it took forever to arrive a few years ago. To make matters worse he told me I was not allowed to order checks through anyone else but the third party PNC chose. Oh and the kicker he got me to abandon a no fee grandfathered account here. PNC are a bunch of crooks. I have little hope that this will do anything because of how cozy the administration is with the financial sector but hopefully posting this publicly will get more people aware of the shady practices of even the most " respectable '' banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: MD

Complaint narrative:
This is my SECOND COMPLAINT. I received no response to the original.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it.
I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it.
This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.

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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.

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 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
While I was working at my past employer from XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, I called Navient known as XXXX XXXX that I was having difficulties paying my student loan debt. I asked if they have a programs on reducing payment, consolidating, etc. I was told that my situation that I should do a Forbearance. They never gave me an option on changing the amount, etc. They also did n't tell me that I would be charged on interest. Also, XXXX College I was attending from XX/XX/XXXX-XX/XX/XXXX and my company was paying for my tuition. I 'm starting to wonder if they gave back the financial aid. As of today, I have done a short forbearance and lowered my payment balance, but they assume that I can pay each month {$220.00}, which on top of that I have loans from XXXX XXXX that are {$1000.00}. I asked to go to an income based plan, because I am married. My husband will not pay for the loans. I have a daughter and I 'm currently making a year {$52000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, I wrote a TransUnion a letter in good faith requesting they delete inquiries on my credit report that were previously deleted and re-added after computer glitches in XX/XX/XXXX and again in XX/XX/XXXX. The two glitches were the problem and error of TransUnion. By not giving me 5 days notice they were re-adding the deleted inquiries back on my credit report, they violated my rights. They responded with a letter denying to remove the inquiries. The deleting and then re-addding due to their glitches has caused a hardship for me along with violating my rights. I asked for the CFPB to help stop TransUnion from continuing to victimize me by requesting all the TransUnion inquiries be deleted from my report by already submitting one complaint on this issue. TransUnion responded to the complaint and again refused to delete the inquiries they added back on my credit report without giving me the proper notification before doing so. In response to this, I refuse to accept the results! TransUnion should not be allowed to mock the CFPB 's authority and continue to victimize me by ignoring my rights!

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 2017-08-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items XXXX in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

Company response to consumer: Closed with explanation