vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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: NY

Complaint narrative:
I have federal student loans that ended up with Navient. At one point, I was paying them - or so I thought - through a 3rd party debt consolidator. To my shock, that company was a fraud.

I had to, then, discuss repayment options with Navient, stressing how very difficult it is to afford the options they presented. They suggested recalculating via the website.

Not only has Navient been less than helpful or understanding, but, I'm now receiving harassing robocalls 6 - 12 times a day, all throughout the day, weekdays and Saturday. This is well outside of the call times I specified to Navient, which they still have on record. Additionally, somehow Navient has discovered my WORK phone number and has been calling multiple times throughout the day, for weeks!

This is a severe problem at my work. Because my office is extremely quiet, the frequency of these outside calls ( indicated by the double ring ) misconstrues itself as private phone calls during company time, which is detrimental. I sit within ear shot of managers, executives, directors, etc. I never gave Navient my work number. It's not on my profile. I never gave it out. How was it found?

Endangering my employment will only serve to exacerbate strained finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: IL

Complaint narrative:
On my credit report, XXXX hospital has now made the same debt show up twice on my credit. The amount is XXXX. They had an account opened against me in XX/XX/2018, now as XXXX XXXX,  there is another report for the same debt and same hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a notice letter from XXXX  on XX/XX/2018 saying that I cant open up a bank account with 2 pages of Inquiries I never heard of. Being that I cant open up a bank account for the next 4 years it has been a struggle for me to even fix my credit score and the ability to manage my money in a safe and positive manner.

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 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I received a phone call from National Credit Systems of XXXX, GA saying that I owed money on an account for which I was the co-signer ( the account was for a rental apartment for my  granddaughter [ XXXX XXXX ] in XXXX, OK ). I told the " customer service representative '' that I would look into it. The " customer service representative '' ( who gave the name " Miss XXXX '' ) told me that the account would be put into dispute. After communicating with the landlord at XXXX XXXX I discovered that the collections agency was trying to collect a debt on the XXXX of XXXX that was not due until the XXXX of XXXX. The landlord 's representative acknowledged their error and said they would fix it with the collections agency. 
On Monday I called the collections agency to verify that the debt had been cleared. I spoke with the same " customer service representative. '' I reminded her of our conversation on the previous Friday and that the landlord 's representative would be sorting out the issue with them. The " customer service representative '' told me ( essentially ) that she didn't know about any clearing of the debt, that the debt was not in dispute ( despite what she had told me on the previous Friday ), and that I needed to pay the debt " now '' or else it would go onto my credit report ( " we put things on people 's credit reports every two weeks '' ). The " csr '' was unwilling to listen to anything I had to say, repeatedly interrupted me when I was mid-sentence, and kept telling me that I had to pay the debt. Additionally, I had not received any mail notification of the supposed debt prior to the call. Also, the company masked their identity and location by using a phone number with a XXXX MA area code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: IL

Complaint narrative:
I contacted Trans Union and and requested a contract or legal document that binds me to a itme on my credit report because i can Not identify this {$650.00} XXXX XXXX item and they did Not provide me with the information yet say that this item is accurate investigation number # 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 2019-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
MAURY COBB ATTORNEY AT LAW LLC has called me more than 30 times and WILL NOT stop the calls or harassment. They claim I owe a debt that I do NOT owe and has nothing to do with me or ANYONE i know. This is COMPLETE FRAUD. 
There have been no less than 42 separate complaints to the BBB, 20 of which were this year alone and these guys still operate with total impunity from the law. For once I wish there could be some justice from these frauds. 

Info for his business : XXXX XXXX XXXX   XXXX BBB Complaints : XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I've already spent 3 months working directly with American Express to attempt to resolve this issue, and they continue to deny responsibility. 

AmEx offers bonus miles / points when you refer a friend to one of their credit card products, and the referee is approved for that credit card. I made ( 5 ) referrals dated starting in mid XXXX during a promotional period where the referer ( me ) would earn XXXX miles per referral. Instead, American Express awarded me XXXX for 4 out of the 5 referrals ( These miles were received in my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 ). 1 of 5 referrals did, indeed, earn the XXXX bonus miles ( these miles were awarded to me on XX/XX/2019 ). 

I've provided them all the necessary data to show that I was eligible for the additional points, and they continue to deny. I screenshot the offer and submitted that at their request, too. Still, they deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED ACCOUNTS WHICH IS CAUSING EXTREME DAMAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: AR

Complaint narrative:
On XX/XX/XXXX I spoke to an agent at Castle Credit and told them I had a late payment because my system wasnt working and as soon as it was serviced I would make a payment. They called me again on XX/XX/XXXX but I missed it due to work obligations. They called again on XX/XX/XXXX demanding payment. I spoke to XXXX XXXX. I told her I had already talked to someone and that I would be making a payment when my system was serviced. She asked for my credentials so she could have a conversation with me so I said I dont have anything else to add. I will be making a payment when my system is serviced. Before I was able to complete my statement Ms. XXXX, speaking over me, said thank-you-have-a-good-day as quickly as she could and hung up on me. I called back and when Ms. XXXX answered I asked if I could speak to a supervisor and she transferred me to an answering machine. This is horrible customer service. Ms. XXXX should not have hung on me while I was talking and I should have been allowed to talk to a supervisor to make arrangements for my next payment. I will be taking my loan somewhere else!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have sent the mortagge company all the requested items for a loan modification. On the application is states that you have the option to use a CPA. I used a CPA. BOA then said the CPA needed to show certification which I provided. They then said the certification was valid. However, on the application it says the cpa DOESNT HAVE TO be certified. Also, you don't have to use a CPA at all if you provided certain documentation. I have been going through this process for almost a year. Living in fear of losing my home. Please help me. 


XXXX 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 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I borrowed a total of {$2100.00}. but with daily calculated fees and interest it has accumulated to {$2500.00}, due to me not being able to make the payment of {$270.00} bi-weekly. I have called several times to ask being account is now in default to stop interest and fees which it states in the contract would happen once account goes in default, in oreder to set up a payment agreement to pay this back. Instead, Easy Money continues to charge interest and fees after default in order to make the pay back way more than borrowed, which truly is predatorial. Please stop interest and fees and allow reasonable payback.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc.
State: NY

Complaint narrative:
XX/XX/2019 - Approved for a {$5000.00} loan through ELOAN XX/XX/2019 - Funding Date XX/XX/2019 - I called in inquiring when funds would be deposited. Advised within 3 days XX/XX/2019 - I called advising funds still not deposited. Eloan discovered funds went to an unknown bank. Not mine. Advised they have to locate the funds. 
XX/XX/XXXX, XXXX I called in looking for funds? Still not deposited. Told I have to wait. 
XX/XX/2019 - Spoke with XXXX XXXX - stated the escalation dept. was notified. 
XX/XX/2019 - Spoke with XXXX XXXX, no activity, nothing to report. 
XX/XX/2019 - Spoke with XXXX XXXX, advised account with resolutions. Advised he could not deposit funds into account while they looked for the money that went to wrong account. Advised he could not cancel loan and issue a new one without running credit again. Advised the credit hit could not be removed even though I never received funds. Could not give me a a date of resolution. 
XX/XX/2019 - Receptionist would not transfer me to XXXX XXXX nor XXXX XXXX. 
stated they did not have phones. Advised me that the issue would absolutely be resolved by the next day. Per XXXX XXXX thru reception. 
XX/XX/2019 - XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX XXXX advised he did not have an answer as to when the funds would be deposited nor did he have an answer as to how to resolve. He said he needed time, but didn't know how much time. 
I asked to speak to XXXX XXXX, XXXX XXXX superior. I was advised he did not have a phone. Subsequent to that, I was advised he was not in the office. 
XX/XX/2019 XXXX XXXX, left a message for XXXX XXXX advising I did not want the loan and to please refund the payment of {$110.00}, as I never received the loan XX/XX/2019 - Sent email to XXXX XXXX, SVP of Vendor and Operations, advising him of the complete scenario of events. Funds still have not been deposited, despite ELoan, pulling my credit. I have not heard back from XXXX XXXX, nor, XXXX XXXX as of XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
In XX/XX/XXXX I had discovered that there had been multiple accounts opened under my name or social security number. The accounts are as followed : XX/XX/XXXX Medical Bill {$55.00}, XX/XX/XXXX Medicall Bill {$650.00}, XX/XX/XXXX Medical Bill {$970.00}, and XX/XX/XXXX Business Acct {$4600.00}. I filed a FTC report # XXXX on XX/XX/XXXX and notified the credit bureaus. Months have passed and I was unable to have everything cleared up with Equifax , Inc, however, life moved on and I just didn't have the time or patience to deal with it. I called Equifax and got the run around and NO HELP at all. Fortunately XXXX  and XXXX  have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting certified documents, so I have no choice but to file this complaint in an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I keep getting auto dial phone calls that are designed to go straight to voicemail and can not be picked up from a company called Nationwide Credit. I have spoken to them repeatedly denying any debt as I have never received an invoice, they say I have a debt, but I have never received anything nor have i ever been to the place they say I owe. I have repeatedly stated that Until I see an Invoice I don't owe anything, They say that's not correct and THEY have determined I owe this debt, Now they continue to call after they have been told to stop and they are sending letters to my home address. When I try to contact directly to say they have to stop calling they reply they will keep chasing me for a debt I don't owe, they don't listen and cut me off mid sentence It is continued harassment and they should be held accountable.

I have NEVER received any Invoice nor have I ever been to the place that Nationwide Credit say I owe, I DONT owe this debt that Nationwide Credit keeps Harassing me for.

The last XXXX I spoke to was XXXX, After telling them to stop calling yet again I received two calls to my voicemail while I wrote this complaint. They need to be held accountable for this Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I tried to switch back to my original debit card through the Square Cash app multiple times ( I would get an error message that I was only allowed to fund from one particular debit card ). My account was then frozen because of an issue with their platform and no fault of my own. I ended up having to verify my identity, which I did. I was told to wait 24 hours, but ended up having to wait a full 2 weeks since my account was frozen after following up on XXXX and XXXX as they were ignoring my emails. 

When they did reply with an email, it was a generic response that had nothing to do with the issue at hand ( about adding funds to the account, which was not the issue ) They replied with the following email : " Hello, Thank you for reaching out. We are writing to inform you that your Cash account has been closed and is no longer able to send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other possible violations of the Cash Terms of Service. 

If you need to Cash Out your stored balance, you may link a new card or bank account. Additionally, you may re-link a card or bank account previously used with your Cash account. 

Within the app : Open the Cash App and tap the dollar amount at the top of the screen. 
Tap Cash Out > Confirm Cash Out. 
Once you have cashed out the balance, it will deposit within 1-3 business days. 

Unfortunately, we can not provide further details regarding this decision, which is final. We appreciate your understanding. 


Best regards, XXXX | Cash Support '' I didn't violate any terms of service, nor did I dispute any transactions. The only thing I've done is try to switch my debit card back to my original bank. When attempting to withdraw funds as suggested in the previous email, an error messages shows up and says that the transaction can not be completed. Like all the other times that I've had to contact the Support team, I've been lied to and things occur on an entirely unreasonable timeline and the customer service was either poor or did not exist. Their own timelines were never met, and they never addressed the issues on their platform. 

They then closed my account with no explanation given with the most generic message available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: GA

Complaint narrative:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
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 non-monetary relief
Consumer complaint received 2019-07-10 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Reporting of false information about my payment history to XXXX  and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX  and all other credit agencies.

In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.

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 2019-07-10 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: CA

Complaint narrative:
In XX/XX/XXXX, Equifax reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with Equifax XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by Equifax for the fraudulent XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: NY

Complaint narrative:
All Four accounts showing overdue and in collections from XXXX, XXXX, XXXX, and XXXX were previously paid and are falsely being reported to the credit agencies. I have attached the receipt I requested from the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by Medicare. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by Medicare and that all information is correct.

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