vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
We have used XXXX XXXX XXXX XXXX in the past until we had a dispute about services. We paid for the service anyway and discontinued their services. We have a new Lawn service that serviced us starting XX/XX/17 and no longer deal with XXXX XXXX. Now I am receiving letters from a collection agency saying I owe XXXX XXXX {$210.00}. I tried to contact the company and they asked me to provide them with the account number from the letter so they could pull up the account before they could discus it with me. The people I contacted was Transworld System Inc Collection Agency at XXXX. They informed me that the account number I gave was not long enough and asked if there were another code number listed that I could give which could not be located by myself anywhere on the letter. The lady at Transworld System Inc could not further assist me because we were not able to pull anything up with my name or the numbers provided. I have since received 2 more letters from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent letters requesting proof of my original application with my signature since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the company XXXX XXXX XXXX which has not been done, I have by law all the right to receive a copy of the original application where my signature appears, the obligation of them is to send them in case they fail to send them I demand eliminate that account from the credit bureau since they can not prove that it really is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC
State: IA

Complaint narrative:
The company I work for is involved in a bill dispute. The bill was referred to CFM Group. I get repeated calls on my personal cell phone for payment of this bill. I have tried to explain that the bill is being disputed and the person on the phone yells at me to pay my bills. I have tried telling them that I don't owe any money and I would like to speak with a supervisor. I get told that supervisors don't speak to dead beats who don't pay their bills. I have asked for my personal cell phone to be removed from their call list and I am told it will be when I pay the bill. My cell phone gets called repeatedly when I hang up on the lady calling. If I answer again I am yelled at to pay my bills. This company refuses to listen to me that I, personally, am not rresponsible for this bill and I get harrassed over it. I have finally tried blocking the number that calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial
State: NY

Complaint narrative:
XX/XX/XXXX AmeriTech contacted my cell. They had all my personal information, including my social security number. Not knowing I went along and set up to what I thought to be a repayment to my student loans. Fast forward to XX/XX/XXXX, I felt that there should have been some sort of decrease in what I owed towards my XXXX XXXX school loans. Not one penny was put towards it. AmeriTech became harassing. They called everyday, same time and emailed everyday. When I called to confront them, they were nasty, I have saved emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Wells Fargo Dealer Services Re. Account # XXXX XXXX XXXX XXXX To whom it my concern I am writing in regard to the above referenced accounts and transactions. 

This vehicle was repossessed by Wells Fargo Dealer Services in the State of Illinois on or about, XX/XX/XXXX and resold on or about unknown date not provided to me Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

Sincerely, 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 2018-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I contacted XXXX XXXX XXXX Services in regards to incorrect information being reported to my credit report. On XX/XX/2018 I opened an account with XXXX XXXX which XXXX is the finance company. I submitted my state issued drivers licence. I was instructed that the bill will be in the mail with the scheduled payment and due date. I waited for about 40 days before I contacted XXXX which I was instructed to contact XXXX. Upon contacting XXXX they informed me that the billing address was incorrect, XXXX XXXX XXXX XXXX when in fact the correct address is XXXX XXXX XXXX XXXX. They said that they will correct the error. I went ahead and paid off the account. XXXX even implemented two late fees which I paid. I reviewed my credit report I noticed that a 30 and 60 day late payment was reported which dropped my scores close to 100 pt. I tried to explain to supervisor XXXX ID XXXX that it was their mistake and that its on the face of the record. She stated that they report what true and correct. I explained that based on that statement Genesis is in violation of the FCRA because upon them reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX when the Drivers License provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I asked her to assist me in correcting their error that the late payments that they are reporting was a result of their error for mailing the billing statement to the wrong address. I refused and would not even offer to reimburse me for the late fees accessed to the account. At that point I informed her that I will be filing a compliant with the CFPB and terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had my wallet stolen about a yr ago my I identity was then stolen as a result of that loss I had 2 unauthorised accounts opened with fifth third bank and a balan on one of them for over {$4000.00} i distuputed the accounts when i called the adress on file for the accounts was not mine i have never lived there nor did I open these accounts there has been a fraud a let on my credit for a yr and those accounts should have never been allowed to be opened in the first place .the bank said they had proof I made the charges when I was in the hospital at the time the charges were made I did not open these accounts with fifth third bank nor did I use it and I want thseese accounts closed and my credit reports to reflect this I did not create this debt and should not be responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/18 - " Cash Equivalency Fee '' of {$20.00}, ( 200 % ) posted on a {$10.00} Ohio Lottery Transaction at Grocery Store, because cash-receptor on vending machine was jammed.

Apparently a state-owned, public lottery vending machine is considered a Casino by US Bank?

I'm tried without success to find this fee equivalent in my Cardholder Agreement without success and got nowhere with US Bank Cardholder Services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 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 — Was not notified of investigation status or results
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
In XX/XX/2018, I completed a dispute of an account in collection ( {$1000.00} ). The account was not verified within 30 days and was promptly removed from my credit report in XX/XX/2018. I check my credit monthly and upon checking my credit today ( XX/XX/18 ) I was alerted that the collection account had been re-inserted under the collection agency : Diversified Consultants in the amount of {$1000.00}. It is required that I receive notification of any previously deleted item being re-inserted on my credit report. I have received no such notification. Please have this deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This collection agency has no provided LEGAL documentation verifying this debt or that they have the right to collect. In which by law the collection agency is required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: POPULAR BANK
State: NY

Complaint narrative:
I opened a Popular Bank checking account online over a month ago. I received a packet of information in the mail, including a questionnaire and a signature card along with a return envelope. I filled out the required paperwork in full and sent the envelope back. I waited a week and called Popular Bank to see if the paperwork had been received. On the call Popular Bank transferred me to the online account department. The person I spoke to in the online account department initially told me that she had received the paperwork and started reading information off of the paperwork, only to find that she was reading me private information from a third party and not information from my account. She then told me that she had not received my paperwork yet. I called three more times over the course of two weeks and each time I was put on hold for an extended period of time and was not able to reach an agent who can help me. On XX/XX/2018 I made a mobile deposit for a cashier 's check. I received an email from Popular Bank saying the deposit had been approved. I tried to login to my Popular Bank online banking and was locked out. I called the customer service number and was told that I needed to speak to the online account department. I was put on hold and nobody picked up, after 45 minutes I hung up. I called a branch and spoke with a supervisor who called the online department. The online department told him that my account was restricted for suspicious activity. They told him I would need to go into a branch. He then said " why did you open your account online? Why didn't you just open it in the branch ''? There has been no activity since the XXXX of this month. Today is XX/XX/XXXX. The branch supervisor told me I would need to talk to the online account department and transferred 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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a complaint against Citibank, servicer of Best Buy Visa Credit Card, which was opened in 2016. Everything was fine but unfortunately, I had my hours cut and tried to work out an agreement with them, since their payment dues were excessively high, out of proportion and unfairly billed. After several attempts to work out things, my account was closed and placed under a payment program of {$50.00} a month until paid in full. Unfortunately, once again, my hours were cut again at my workplace and tried to negotiate to settle my credit card debt by either pay off half of it or cancel the whole amount owed, which repeatedly refused to do so and insisted in charge me the full amount, regardless of my current financial situation.

Since I followed the advice of working out with my creditors during financial challenges, unfortunately, Citibank has been reluctant to work to help me in this tough time. I do the best I can to meet ends, but what if I lose my job and I am not able to do so?

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 2018-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion. 
I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a reverse mortgage im the surviving spouse of my husband I submitted all documents requested by XXXX XXXX the lean processor gave me dates and mislead me I turned in all my papers she mailed me notice saying I qualify for surviving spouse support program with HUD now she is sending me foreclosure papers saying I do not qualify because papers were submitted outside of dated I did everything she told me within the time she gave to now receive certified letter i'm in foreclosure. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My husband and I had a VA mortgage through Freedom Mortgage from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XX/XX/XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.

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 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at XXXX XXXX ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). 
In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. 
I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned. 
I will be refinancing this loan at my earliest convenience.

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