vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
SUNRISE CREDIT SERVICES ( XXXX ) opened a collection on my account for XXXX $ supposedly opened on XX/XX/XXXX. I have disputed this account and nothing has changed yet. I have asked them to show proof but has not received it.

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 2019-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a credit investigation request to Trans Union well over 30 days ago. I have not yet received the results of my investigation.

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 2019-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I cosigned for a private student loan for my son in 2006. I was in good health and working at that time.He was paying on the loan but then life gets in the way-premature baby, job changes, divorce, etc.Now, I am XXXX, retired, & had to file bankruptcy due to medical bills. Since I am the cosigner Navient continues to harass me with phone calls several times a day. Often the phone only rings once & when I answer no one responds.It starts about XXXX XXXX and ends around XXXX XXXX. I have explained my situation repeatedly but they maintain their is no way I can be removed as cosigner even though my budget is extremely tight! He has asked several times to get a reduction in payments but they recommend forbearance. Now, he has used all of his opportunities for forbearance. Their agent told him yesterday that if he could pay {$19000.00} within 3 months they would take 10 % off the total.That was their only solution!! He made a " parital '' payment but the late charges will keep mounting. I called and offered to pay enough so that partial payment would be considered a " full '' payment but they refused. The agent said I couldn't make a " partial '' payment. She could only accept a FULL payment from me! There is no recourse to eliminate or reduce this debt even though my son and I have both have had major events influencing our income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX : Contacted my Employer. Spoke with an associate at my place of work and ask d them to verify my home address and then to speak to me. I told them this is a place of business, and I am not permitted to take personal phone calls and to not contact me at my place of work again. They told me, Okay, well we will do what we have to do! As if to threaten me. 
XXXX : They called my employer yet again, even though I told them not to. They spoke with an associate, as I was not at work that day. An associate at my work took a message and their name and number and said they were really rude and persisted to speak with me. The associate looked up the call back number they gave her, and found that it was a debt collector. 
XXXX : They called my employer yet again, but this time it was a recording, letting an associate at my place of work know they were trying to contact me as a debt collector.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had a Cabela 's credit card for 15 years and always mail my payment out on the XXXX or XXXX of the month to get there by the due date of the XXXX. 
On XX/XX/XXXX, I mailed this out along with 3 other bills that were going across country. All 3 received and posted my payments on XX/XX/XXXX or XXXX. Capital One, who just took over Cabela 's  credit cards when XXXX XXXX XXXX bought them, did not post my payment until XX/XX/XXXX and then charged me a late fee and interest the last 2 months. When I called them, they said I needed to check with the post office. The post office told me to have them provide a copy of the envelope to show the postmark date. When I asked them for this, they advised me they do not keep the envelope. They told me there is no way I can prove when they received the payment so have to go by the day they posted it ... which was late so fee and interest apply. I believe they received my payment before the due date, but waited to post it until after so they could charge me the fee and interest. This, because I always pay my balance in full and never pay any finance charge so they are not making any money from me. This problem just happened for the first time in 15 years and only after Capital One took it over. 
When I posted this on a sportsman 's forum, my response lit up from other people who have just recently experienced the same problem from Capital One and who never had a problem with Cabela 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have parental federal student loans that were taken out for my XXXX children.These were taken out from XXXX XXXX XXXX XXXX ( XXXX ) and repayment on the first loan started in XX/XX/XXXX.The principal balance was {$8600.00}, in XX/XX/XXXXthe principal went to {$16000.00} and by XX/XX/XXXX principal went to {$82000.00} when my other childs loans were added.In XX/XX/XXXX I paid in {$1300.00} ( 12x {$110.00} ) ,XX/XX/XXXX{$2700.00} ( XXXX ) ,XX/XX/XXXX {$3500.00} ( XXXX  {$4300.00} ( 12x {$360.00} ) ,XX/XX/XXXX{$4200.00} ( 12x {$350.00} {$5400.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$6600.00} ( 12x {$550.00} ) ,XX/XX/XXXX{$5000.00} ( 12x {$550.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( $ 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$2900.00} ( 7x {$420.00} ) for a total of $ XXXX.Then they sold the loans to XXXX XXXX XXXX ( XXXX ) and they said I had a principal balance due of {$94000.00} I paid 5 payments of {$480.00} for a total of $ XXXX.I then was sold to Navient who said I had a principal balance due of XXXX I paid 7 payments of {$480.00} total {$3300.00} {$5700.00} ( 12 x {$480.00} {$5700.00} ( 12x $ {$480.00}.

In 18 years I have repaid a total of {$88000.00} and Navient is saying my principal balance is {$90000.00}??

How can I have paid in for 18  years and had no principal reduction? I have written to Navient twice and emailed questioning the interest calculations but all they offer is to lower the payments so we can drag this loan another 30 years.I got behind on payments by 30 days as I am now retired with limited fixed income and received calls and letters from XXXX  XXXX XXXX  XXXX  ( XXXX ) and questioned them on the interest calculations but all they wanted was the past due payment.

There is no way on XXXX 's green earth that I can have paid in {$88000.00} and still owe {$90000.00} are they computing the interest on the rule of 78 's Something smells!!!

Please help because my next step is an aatorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: AFNI INC.
State: LA

Complaint narrative:
I have a closed account with XXXX XXXX that was closed in XX/XX/XXXX. The collection agency AFNI is reporting on my credit report that the Account was opened in XX/XX/XXXX. This is false information. This account was in collections before XX/XX/XXXX. I do not have an account with AFNI  and feel that if they are going to buy accounts that the correct dates should be reported. This needs to be removed because I do not even owe AFNI. 

These companies are reporting inaccurate information, which is in turn affecting my credit score which affects my way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been working with Ditech Mortgage company on doing a short sale of my home due to my hardship and XXXX. I was approved for my first loss mitigation application and when submitting the first contract to ditech they denied the sale contract and did not notify myself nor my realtors title company. We called numerous times through the first process and no one called nor emailed back. Here it is XX/XX/2019 and we have been working on a cash offer for the short sale of my home. Ditech tells me my application for loss mitigation is now out of time and I need to resubmit. Working hard the realtor, title company and myself to get all documents to them via fax, email and an overnight package. Calling Ditech everyday some days twice a day and speaking to different reps every time. We now get my home is set for foreclosure due to lack of information and there is nothing they can do. So I was not called nor emailed for any updates on my chart, nor did they submit anything we were sending to the underwriter. I have contacted the account executive of XXXX XXXX for Ditech and was told someone would contact me today XX/XX/2019. And again I have yet to get a call to complete the cash offer for the short sale of my property. Please help in my situation I am a divorced and now single parent raising XXXX  kids and can not believe the mortgage company has done this to me in my situation. I was told to file a bankruptcy and it will slow process so we can get the short sale completed when Ditech told me to release my bankruptcy they would approve me for a short sale because I tried to do a modification and couldnt afford it due to injury on my job and divorce. Again no one called nor gave updates on file packet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NY

Complaint narrative:
I took out loans every month and my last loan for XXXX i had a XXXX and went into hospital for 2 weeks so when I got out and went home someone took my XXXX check for XXXX and wasnt able to pay rent or loan. I called XXXX XXXX and told them would have to pay interest and in XXXX pay off loan. XX/XX/XXXX they took {$96.00} for the interest for the month of XXXX, and I called same day to pay off loan before the next due date of XX/XX/XXXX, and the lady I spoke to said I had to pay {$430.00} for the {$300.00} loan that I usually pay {$310.00} by the 5th of each month. I confirmed they took the XXXX interest for the month of XXXX and that I was calling to pay off loan before the due date of XX/XX/XXXX, she kept saying I had to pay the interest for the month of XXXX even though it was not due yet. She than put loud hold music while I was talking to her and didnt come back to phone. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TekCollect Inc.
State: WI

Complaint narrative:
There is a collections through Tek Collect that is from my wifes business that was an XXXX that I was not an owner of at all that is reporting just to my XXXX  report. The balance actually owed on this account is {$2400.00} which my wife has tried to pay but the business owner has been charging 18 % on the loan for the last 4 years and will not except just the {$2400.00} payment. The business owner has taken a debt that was for a business and in the business name and has switched it from the business name into my wifes name and then into both our names and now only into my name. We have tried multiple times to get this corrected and fixed and now he is showing the debt at our personal address now to instead of the business. We have tried to dispute it through XXXX but we are getting no where with the business owner, collection company or XXXX. We have been in contact with all parties multiple times and either don't get calls back or cant get any straight answer and they just tell us to get an attorney. We have already paid {$1100.00} towards this balance that was owed which is how the balance is down to {$2400.00}. When looking through the documents there are miscellaneous charges to the amount that no one can give us clarification on what the misc charges are for. They are for a couple XXXX dollars each.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase XXXX Reward card was activated in my name without my consent. Card # XXXX Phone # XXXX. There was also {$49.00} billed to the card. I have called the credit provider several time over the last month & no one will address my concerns. 

The address used by the person who activated the card was : XXXX XXXX  XXXX XXXX XXXX, Co. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I was advised by my employer 's legal department that Rubin and Rothman LLC mailed a subpoena requesting my salary information. The subpoena notes the creditor as XXXX XXXX. for a credit card account that was closed on XX/XX/2009. Thus the statute of limitation to collect for this debt has passed. 

I also received a letter from the XXXXXXXX XXXX office requesting payment 20 days after the mailing of XX/XX/XXXX. 

I can not afford an attorney, and I have never been issued a subpoena. I will greatly appreciate guidance on how to proceed. 

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX, Equifax, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
HI, I HAD ACTIVE ACCOUNT WITH CHASE BANK FOR SO MANY YEARS WITH NO PROBLEM, UNTILL LAST XX/XX/2018, MY CHECKING ACCOUNT WAS CLOSED BY THE BANK.AND GAVE ME CHECK FOR THE BALANCE OF {$16000.00}. 
I DID NOT HAVE ANY BOUNCE CHECK OR ANY SUSPICIOUS ACTIVITY. 
AT THE SAME TIME I HAD SECURITY CLEARANCE FROM THE XXXX XXXX XXXX. 
SINCE THEN I AM TRYING TO OPEN ACCOUNT AGIN, BUT CHASE BANK KEEP DECLINE MY REQUEST, I WAS TOLD THEY HAVE THE RIGHT TO DO THAT WITHOUT SHARING INFORMATION WITH THE CLIENT. 
ALSO I WAS TOLD I AM RESTRICTED FOR LIFE FROM OPENING CHECKING ACCT WITH CHASE ( FOR LIFE ) .CAN YOU BELIVE THIS FOR LIFE. 
ON THE OTHE HAND LOOK AT THE CRIMINAL WHO COMMIT MAJOR CRIME AND THEY GET PUNISH FOR # OF YEARS, IS THIS HOW THE DEMOCRACY WORKS? 
ARE WE LIVING IN THE BEST COUNTRY IN THE WORLD OR THE RICH BANKS AND BIG GUYS SUFFOCATING AVREGE PEOPLE LIKE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I have received repeated phone calls from Capital Accounts regarding a debt received in their office from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX, ( XXXX ) XXXX. XXXX XXXX XXXX office states that there is no debt owed them from me. XXXX who is in the doctor 's billing department has contacted their sales departments ( XXXX ) at Capital Accounts to confirm this information. We spoke with a supervisor, XXXX at Capital Accounts, who handled the call from myself and XXXX on XX/XX/2019 and was told that he saw where XXXX called and and see that there was no account but he would further investigate and get back in touch with me. I did contact XXXX today and he did remember our case, put me on hold, and the call was lost. I called back and the CSR was very rude and refused to allow me to speak with XXXX. I explained to her that he was the supervisor who did ask me to contact him with futher questions. She became extremely rude and the call was disconnected. I called and got another CSR who was equally rude and shouting at me explaining he was handling everything now and that I would not be able to speak with XXXX as he never spoke to people who had the debt. This call ended up with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit AgreemenXXXX ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I've dealt with Navient XXXX XXXX XXXX many times starting from XX/XX/2019 to the current date ( XX/XX/2019 ). Anytime I make an additional payment they somehow administratively XXXX up the payment to be disbursed to the wrong loan. 

The loan is a Consolidated Subsidized and Unsubsidized Loan. They have a system set up on their website to allocate funds to a specific loan ( i.e. highest current balance, highest current interest ratel, or prorate across selected loans etc. ). I want to pay my loans off as fast as possible, so I have chosen to submit additional payments to the the Consolidated Subsidized loan, which has the least amount of principal left. 

Anytime I make an additional payment, I have to call them and correct their mistake because they will always split the additional payment between the Subsidized and Unsubsidized Consolidated loan. After calling them and having the additional payment made to the Subsized Loan, they automatically prorate the next payment, so my automatic payment isn't being distributed the way I want as well. I spoke to them on the phone and requested they not do that, but do it every time. 

It seems their website has a system in place to help the user, but their system isn't functioning properly when you choose what you want. 

Also, it seems silly that I need to take time out of my day consistently to make sure they are applying my additional payments to a loan I have specified to them numerous times. 

My additional payments are {$100.00}, and my automatic payment is {$290.00} and it comes out every month on the XXXX. 

I thought it would be fair for me to put in an official complaint so they understand my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Credit collection services is reporting a collection on my credit report. It is showing under XXXX XXXX. I have requested validation several times, with no response. The account is inaccurate and a result of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation