vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: NC

Complaint narrative:
I am XXXX years old with a number of health conditions. Any monies after paying my household expenses end up being used in medicines and doctor 's bills. Such as co-pay and other expenses not covered by my insurance. I called Navient today to try to find out is there is some kind of forbearance or extra time that could be given. The voice on the other side said unless I pay XXXX dollars, there is nothing to be done. I thanked him and hung up. I know there are other people with low incomes and loaded medical bills hindering them from paying right now. I would love to stay with my agreement for repayment but is just unable to do so as of now. I have XXXX and at times are unable to work. Please see if something can be done, because Navient is ruining my credit score. This makes it even harder to come up with monies to pay them. Ca n't get any loans based on the delinquent amounts they send to the reporting agencies. Thank you very much for anything that can be done. Navient keep sending me emails and letters saying they will be willing to work with me. Then when I call them, they refuse to help me. Wow! 

XXXX XXXX XXXX work number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
X/XX/17 harrassing calls and threats to myself and friends and family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: IL

Complaint narrative:
XX/XX/XXXX I disputed the following item on my credit report : XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax `` verified it to belong to me which I knew was impossible since this account is not mine. I tried to call and mail this company with the information provided by Equifax. The number is not connected and the mail was returned. Equifax is not investigating anything. They report negative items with little to no regard for the consumer beyond their interest ... I am filing this complaint as a matter of course. I intend to sue them for the damages to my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ballybunion Enterprises, Inc
State: SC

Complaint narrative:
Original agreement was with XXXX. I purchased a flight that should have been {$300.00}. The company stated the lowest base travel package for a one-way ticket from XXXX XXXX, TX to XXXX SC was {$640.00}. The amount financed through Military Credit Services , LLC was {$1200.00}. {$76.00} per pay period for 23 months. I paid 7 payments of {$87.00} and stopped paying XX/XX/XXXX. In XX/XX/XXXX received a call from collection agency and representative stated I needed to pay them a total of 5 payments of {$180.00} and a final payment of {$160.00} and the debt would be considered paid in full. 1st payment of {$180.00} was withdrawn from my bank account on XX/XX/XXXX with subsequent payments on the XXXX of every month. XX/XX/XXXX a full payment was withdrawn and I contacted first financial ( XXXX ) and spoke with a female and she stated where she seen I made the agreement and the payments and didnt understand why they took the complete payment again. She transferred me to XXXX at Military Credit Services and he stated he couldnt see what was going on so he contacted the original person that made the agreement and she stated now I have to pay the {$680.00} for the debt to be resolved after the other 6 payments already made and transferred me back to XXXX. I told him I wasnt going to pay this and he stated that he just needed a bank card so they wont close the account and put it in collections. I gave him my bank card and they were going to deduct the amount on XX/XX/XXXX. This gave me time to talk to my financial counselor at XXXX XXXX. I cancelled my bank card on XX/XX/XXXX and contacted CFPB XXXX XXXX referencing this account with Military Credit Services and filed this consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received an Email from PNC Bank my Mortgage Company Acct # ( XXXX ) about refinancing, I called and was going to refinance but after I hung up I check and found out that the fees they were charging were not fully disclosed so I cancelled the refinancing within 10 minutes.
A week or so after I received a letter from PNC with all the Refinance Information as well as a credit report which i did not order. Everytime someone runs a credit report on you it lowers your score. In the past XXXX XXXX issued my girlfriend a Credit Card without her knowledge and it cost her points on her score. I dont know how PNC can fix my credit score but something has to be done with these Banks doing whatever they want

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, 2017 I tried to log in to my online banking and was denied access. I called customer service they referred me to an XXXX number I ca n't find it but the man who answered would not give me his name. told me there had been a breach on my accounts and I was no longer a Bank of America customer and find another bank to do business with. I said I have been banking with your bank for over 25 years, his answer was we appreciate your business but now you need to take your business to another bank. I said I need to access my accounts. He said that was n't possible.I was n't allowed to get answers ; I was n't allowed to get proof of his statements. I have n't received my retirement check because the bank cancelled my accounts without notice or evidence of the reason. I should have been allowed bank statements to prove my involvement in the axtion toward me. Now I have no money, no bank and no Social Security deposit to my account. The inconvenience to my life has been overwhelming and I deserve answers and cooperation

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I noticed the residence address shows an old address from XXXX XXXX, FL. I called and asked about where the information came from. I was told XXXX. I XXXX the old address and saw there are new apartments where I used to live back when I was living in XXXX the first time. The second address where I lived at in XXXX is not even listed. I attempted to bring this to the attention of XXXX XXXX XXXX at XXXX XXXX via email. I am not sure if I guessed the right email address. I am not sure if whoever is " suggesting '' something or " suggesting '' I am to do something. This is one big "  technical glitch ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. 

On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: 3rd Generation, Inc.
State: NM

Complaint narrative:
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was zero. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them one bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XX/XX/XXXX. Prior to that, in approximately the beginning of XX/XX/XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
In 30 yrs of having various mortgages and loans, I have NEVER dealt with a more incompetent and inept financial institution. It amazes me that we 're supposed to entrust these XXXX with money. 
Problem started when my loan was sold to them from another mortgage servicer. Lakeview Loan Servicing took over as the servicer of the loan and promptly started charging me an impound fee for insurance despite the fact that they were provided the insurance information for the property. After dealing with this in MULTIPLE phone calls and finally getting the impound cancelled, my next statement showed a late mortgage payment. This was untrue as well and I have records of every pmt made on time. Six months later and after multiple phone calls with CS agents, the late payment and service charge are still not resolved.

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 2017-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc.
State: MA

Complaint narrative:
I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. 

Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. 

I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.

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 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I sold a smart phone through XXXX. I did this because XXXX offered me a {$40.00} account credit. After selling the phone, my account was never credited and I was charged a {$31.00} listing fee. I disputed this with XXXX multiple times but they would not credit my account and charged my XXXX account for the {$31.00} listing fee. I disputed this transaction with my credit union and provided them documentation which showed I should have received a {$40.00} account credit and that I did not owe XXXX the money. The credit union was in favor of me and I did not have to pay. I have now received two letters from two different collection agencies attempting to collect a {$31.00} charge. I have sent two dispute letters back to them. XXXX keeps hiring different collection agencies to try to collect the balance that I do not owe them and that my credit union agrees I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: FL

Complaint narrative:
TransUnion incorrectly deleted my mortgage account with XXXX XXXX XXXX off of my credit report versus reporting the account as paid in full with all payments paid satisfactorily.

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 2017-08-28 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: AL

Complaint narrative:
After receiving my credit report in XX/XX/XXXX, I noticed some unauthorized credit inquiries that was placed on my credit file. I contacted the Equifax credit bureau to whom was reporting the inquiries on XX/XX/XXXX, XX/XX/XXXX, and numerous times up until now, explaining to the agent that the inquiries was not authorized by me, asking that they be immediately removed. The agent specified that Equifax was n't allowed to remove inquiries, and that I had to contact the original creditors that placed the inquiries on my credit report. After talking with the agent, I contacted each creditor on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Each creditor stated that they would remove the inquiries, but did n't know how to remove them, and that I had to contact the reporting credit bureau because they are the only persons that can, and know how to remove inquiries. I have since then contacted Equifax by phone and via certified mail, telling them that the creditors does n't have any open accounts or contracts with me and that the inquiries can be deleted. Still nothing has changed. I am not sure as to how these creditors obtained my personal information. It 's now becoming a back and fourth situation with both, the creditors and Equifax. Equifax saying that they are not allowed to remove the inquiries without a request from the creditors, and the creditors stating that they do n't know how to remove them and to contact Equifax. I really need these inquiries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation