vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a loan through my credit union for a new car loan. My payments are due on the XXXX of each month. This month my payment falls on a Sunday. I logged onto my account today which is the XXXX and my account is flagged as being delinquent. I spoke with a Representative at the Credit Union and she informed me that my account was not delinquent, but because they are linked to the Treasury system it is flagged this way because of the posting. 

I pay my bills on time, and this is really frustrating to have my account flagged in this manner when it is not applicable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
I was contacted by The Offices of CREDIT MANAGEMENT, many times on the following dates : XX/XX/18, XX/XX/18 ( contacted twice ), XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, they called me after XXXX XXXX. I called them back and spoke with a rep. He asked me to give my address and the last four digits of my SSN. I asked him what he needed this info. for? He said it was to make sure that he was speaking to the correct person. I asked him what this call was about? He just told me that the call was about personal matters and that he was from The Offices of CREDIT MANAGEMENT. I asked to speak to his supervisor. However, she wouldn't tell me anything other than the name of the company. I asked both the previous rep. and his supervisor what do they normally call people about, i.e. was this call for debt collection? Again, they would only tell me that this call was about personal matters, I would have to give my personal information, and that they were The Offices of CREDIT MANAGEMENT. I don't understand how you allow companies like this to even exist. The number I called them on was ( XXXX ) XXXX. When they called me on the other days, it was from similar numbers " ( XXXX ) XXXX XXXX '' I asked them to put me on the Do Not Call List. I didn't get any more calls from them. However, I started getting calls from numbers " ( XXXX ) XXXX XXXX '' Specifically, ( XXXX ) XXXX on XX/XX/18 from a company now called XXXX XXXX XXXX . They were asking about someone else. So, this could be a case of the wrong number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Card number was taken without my permission and used to make purchases electronically in excess of {$16000.00} in XX/XX/2018. No attempts were made by the bank to flag or stop these unauthorized charges, and at no point was I contacted to confirm or deny the validity of these charges. It wasnt until I recieved my statement that I became aware of this fraud. I immediately disputed all charges with the bank and closed the account. I still recieved bills after the account was disputed and my credited has been adversely reflected due to this delinquent account. I have reached out to the banks fraud department countless time throughout XXXX, XXXX, XXXX, and XXXX and have gotten no results. I filed a police report in XXXX and forwarded to the fraud department for their records. I did not authorize these charges and should not be responsible for this debt under the Fair Credit Billing Act.

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 2018-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I had contacted Navient to change the loan type to a graduated interest 30 year loan. At the time, I was told that it didn't make sense to consolidate my loans, because I'd essentially be paying the same amount every month regardless. Additionally, I was informed that the loan qualified for the Public Service Loan Forgiveness Program. I inquired about this since I was XXXX at the XXXX University of XXXX XXXX  as an XXXX, and was working full time at the XXXX XXXX XXXX XXXX/XXXX ( XXXX  ). 

Three years later, in XX/XX/XXXX, I attended a financial health workshop during the XXXX XXXX XXXX XXXX 's XXXX  XXXX conference. At that time, I was informed by the facilitator that my loan in fact DID NOT qualify for the the Public Service Loan Forgiveness Program. I was provided information regarding which loan types qualified, the need to have all of the loans consolidated, and that I needed to certify with my HR department at XXXX of my full time status every year for 10 years, and needed to make 120 on time payments. As a result, I paid on loans for three years without it counting toward the 10 year period for the Public Service Loan Forgiveness Program. 

Early last year, I consolidated my loans. However, it appears that the amount of the consolidation is more than what my total amount of loans were. 

I only recently learned that New York State has joined a class action suit along with XXXX against Navient, and hope to be part of that suit. In the interim, I'm hereby lodging a formal complaint against Navient and its mishandling of student loans and providing false information to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I have no knowledge of this account and i have two of the same account twice on my credit report for the same thing and same amount. Im being credited twice and i do not understand why when I've made several attempts to resolve this issue with reaching out to the creditor and trying to fix it with my XXXX it is still on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
In recent weeks and last night I received disturbing calls from men relative to SLS : XX/XX/XXXX the first identified himself as XXXX XXXX with TN XXXX XXXX said he was from SLS and had me confirm my address and loan number. 
XXXX threatened me with legal actions such as foreclosure and said he was turning over " my case '' to SLS legal dept. He mentioned a payment of $ 900+, he said I owed him. When I asked to call him back, I did so but got his voice mail and then he called me back immediately and continued his threats. 
Since I had been spending hours of time on the phone with SLS through out the month of XX/XX/XXXX with insurance escrow problems ; ( see XXXX-XXXX ) I thought this call was maybe legit. 
I immediately reported this complaint to SLS and I got the run around with four different SLS departments. The reps said it wasn't their problem and that their department didnt handle fraudulent calls and they finally gave me their " Executive Services number XXXX XXXX. Then ... Last night XXXX, a man named XXXX called from SLS Executive SVCS. 
XXXX would not identify his company! I got angry as I could see it was SLS and and he hung up on me! He would NOT say he was from SLS but I could see the XXXX ID on my cell phone. He demanded I identify myself but I would not as he had called me!

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 2018-11-17 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: GA

Complaint narrative:
This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX  has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, XXXX and equifax never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This collection company has the wrong number. I've requested SCS to remove my  number from their system. Today is Saturday XX/XX/18 and SCS is still actively calling my cell phone. This people are calling me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I applied for a XXXX Visa Signature credit card and was rejected. The reference number is XXXX. That card has some XXXX free miles offer. After I was rejected, I applied for a credit card from another company and was successful. 

Then out of the blue, I received a credit card from XXXX Chase, even though I have been rejected and had not reapply. I feel that my data privacy is compromised since I have not applied for a new card ; my data has been used for a purpose I did not give permission to. Also, it appears that Visa wanted to give me a credit card but is depriving me of the opportunity to get the free miles when I first applied. 

I had called them to ask for a full explanation of what happened. I spoke to XXXX from security and fraud ( I Believe ) at XXXX because I was not able to validate an account I did not apply for. It has been a couple of weeks and I have not receive any correspondence from Visa. This is very disappointing because they do not seem to take this issue of personal and data privacy seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my XXXX and Transunion reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.

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 2018-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On Wednesday, XX/XX/18 I spoke with an employee from IQ Data about a debt I owed. I explained that I planned on paying it the following month. The representative informed me that I had options to pay monthly if I contacted a list of third party providers she gave to me, which ended up being loan companies. She told me that if I agreed to pay {$100.00} that Friday, she would put a stop on the debt before it hit my credit report. I agreed. She began the formal process of approving the payment ( Do you authorize IQ Data to take a payment of {$100.00} ... etc ) and I agreed. The following day, she returned my call and asked if I made payment arrangements with one of the companies. I informed her that I was not interested in getting a loan and would pay the following month as I originally stated. She became rude and aggressive, saying that it would hit my credit and never be removed. I explained that when I paid the debt I would have it removed. She continued to escalate and argue so I terminated the call. The following day, the company attempted to take a payment for the entire amount, {$2200.00} which I never agreed to. They were declined by the bank both times. They then proceeded to charge smaller increments to avoid the daily charge limit. They were able to charge {$1000.00}, {$500.00}, {$500.00}, {$100.00}, and {$100.00}. {$2100.00} of that was never authorized or approved. This was clearly fraudulent and deceptive activity as they were purposely trying to circumvent banking rules. I attempted to call the company back and they would not answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX  that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my Experian and XXXX   reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.

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 2018-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a line of credit of {$250.00} and withthen 30 days I paid it off. I receive a letter saying that they had change the regulation and that even if I don't have a balance I still need to pay {$60.00} every month to keep my account open.I signed the letter and sent it backk to close the line of credit. But I got a bill for the amount Mainance fee of {$60.00} anyways. They said never got the letter and are forcing me to pay {$120.00} plus late fee in order to close the line of credit and they will continue to change me the {$60.00} every month until I pay off the loand. They also said will send me to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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 Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, Experian and XXXX never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.

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 2018-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
i have no knowledge of this account

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 2018-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
i don't know what this is or why its on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I contacted the company on or about XX/XX/XXXX regarding a payment I submitted that returned from the bank. I attempted to set a payment arrangement on my account to maintain the positive history that we've had for the past 3-years. 

I was refused the opportunity to set an arrangement because I'm not far enough delinquent. 

I spoke with the company today, XX/XX/XXXX, regarding the same matter and received the same response. 

I have been receiving several phone calls per day regarding the past due balance and they refuse to notate my account, stop the phone calls, and honor any sort of commitment that I'm trying to make to pay the past due balance at a future date. 

This is harassment and poor service. I have been an exemplary customer for years and I'm just trying to communicate with the lender regarding the past due balance ; much more than most people try to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: UT

Complaint narrative:
This fraudulent account has been previously removed multiple times as XXXX has never provided any documentation, and when I call then they say they have no accounts in my name. Furthermore their collection agency, I C SYSTEM INC, has never provided any documentation. Both have been informed by phone and in writing that this account was fraudulently opened by my ex-wife, XXXX XXXX, and refuse to take any corrective action.

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 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hello CFPB, I have tried to contact American Express Serve a number of times to cancel an American Express Serve Card and have lost the card and don't have the PIN. I am unable to login or recover access to the online account and without the PIN the phone number automatically disconnects the phone line. Furthermore the corporate Amex line doesn't have access to the records of the Serve subsidiary and is unable or unwilling to help. I've also tried tweeting American Express. This has occurred from XX/XX/XXXX to XX/XX/XXXX. The account has a XXXX dollar balance and I simply want the account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: UT

Complaint narrative:
A fraudulent account from XXXX / XXXX XXXX  XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active. 

However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.

You need to remove the Closed Accounts you are reporting to all three credit bureaus.

You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report. 

XXXX - CLOSED XXXX - OPEN

Company response to consumer: Closed with explanation