vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
A collection for Transworld Systems was placed on my account. I requested for a pay to delete as it is effecting my overall credit score. I intend to apply for a home loan, and this collections account is effecting my score negatively. I have contacted the company on several occassions, and they state they can not delete the debt off of my account.

Please see information as follows : Transworld Systems with a balance of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TN

Complaint narrative:
My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. 

Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
As of XX/XX/2018, I paid off my XXXX XXXX XXXX in full. They reported me late 90 days, never sent me a bill in the mail notifying me of any balance due. 
They tacked on a late fee, and then 2 more late fees, for no apparent reason and then reported me late past 90 days. 
I called the company and spoke to XXXX, and she said they were going to have it corrected. But I haven't seen anything being done. Still showing on my 3 credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: PR

Complaint narrative:
Some one stole my identity and solicit a loan to Monterey financial Services, LLC. This person is utilizing a florida address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phone : XXXX ). The loan was approved and I am being charge for it. The loan amount is {$3700.00} with a monthly payment of {$140.00}. In XX/XX/XXXX I contacted Monterey Financial and informed that the loan was made by a identity thief person and sent the police report number so they would removed the charge. I explained that as soon as the report is provided to me by the police department I would be sending it to them. At this moment they are still charging me the monthly amount ( {$140.00} ), no pause has been made and my credit has been affected. The identity theft was reported to XXXX, XXXX and XXXX and a fraud alarm/warning has been added to avoid inquiries or any other action. This was made XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I mailed a certified debt validation letter to XXXX XXXX XXXX, XXXX on the behalf of their client XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I never received a follow up response addressing the zombie debt with regard to the Pennsylvania Statue of Limitations.

XXXX XXXX XXXX stated in a letter that they were forwarded all concerns back to client and it is now XX/XX/XXXX and I have never heard nothing back from both companies who claim that I owe them money in excess of 43,000 in which a lien continues to be on my property.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I logged in XX/XX/XXXX to make a payment that was due XX/XX/XXXX, when I selected the make a payment option I received several errors that prevented any payments. I took a screenshot of the messages, i attempted to email the items but Capital One didn't have an option to email or chat. Because I was traveling abroad I didn't have an option to call. I got back into the states Monday and attempted to make a payment again, and again received an error message, I called in and spoke to a technical support representative and they were able to help me get the error message cleared. I also asked can they waive the late because of the error with their website, and the representative was able to have the late fee reversed. My account is in a temporary restricted status for 4 months and should have been lifted after this payment. I asked the rep and she replied that it was still in a restricted status but used the term " permanent ''. This lead me to ask more questions because I had never heard of this status and I blatantly ask the rep if my account is closed, she replied no several times but was very elusive with the verbiage. But after being transferred to a supervisor, closed and permanently are virtually the same thing, closed is just customer initiated. I asked why there wasn't a notification sent telling my account is " permanently '' restricted versus temporary restricted as I'm signed up for virtually all notifications. She had no answer, and basically said it was on me to login if i wasn't receiving notifications. I am confused because waiving the fee was acknowledging that there was faulty on behalf of Capital One because of the website issues but they won't move my account back into the temporary status which was due to the error. I just want my account to be moved to a temporary status with the option to have it fully restored. This isn't the first time calling Capitol One about website payment issues but this is the first time I've put up a fight and Capital One showed their true colors. I attached the error messages from XX/XX/XXXX and from XX/XX/XXXX showing that the payment options never displayed just showed a loading icon then an error message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, XXXX no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX to make them aware of the identity theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and inaccurate : ( XXXX XXXX XXXX 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 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
XXXX has recently contacted me, telling me that I owe them over {$600.00} for a loan that has already been paid 3 times the amount of the princial payment. The interest rate of the loan is over 700 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: UT

Complaint narrative:
My husband and I were contacted today by a company called " CRS '' from a Texas phone restricted number ... .we were told this was regarding a lawsuit and that they could not release any information unless we call this number XXXX and this was our file number it was in reference to ( I have this number if needed ). I called and the company was referred to as " CRS '' I spoke with a woman named " XXXX XXXX '' who said her direct line was XXXX. She said this was for an over drafted bank account balance for my husband with a bank from XX/XX/XXXX-XX/XX/XXXX and did I know anything about that, I said he has no bank account there. She confirmed his SSN and his DOB ( she had them already ) She stated well you don't know everything about everyone, I said I know his credit and this is not a legitimate dispute. She said well if he or his attorney does not contact us today regarding this matter that they will pursue legal action and garnish his wages to collect on the original balance of {$1200.00} plus legal fees the total would be {$4500.00}. I gave her my gmail and asked that she email all of these details for me to review with him as he was in a class today and could not be reached. She said she would. I have not received any such email from them. We were very upset by this. My husband did settle a closed account with bank back in XX/XX/XXXX but how would they even get this info now, this was also a paid balance? I did not explain any of this to her at that moment.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am a cosigner on an auto loan with the 5th Third bank. I co-signed the loan in good faith and all auto payments are made on time and the account is up to date. Yet on a daily basis I receive calls from 5th Third Bank trying to collect money for unpaid auto loan balances which don't exist. I signed as a co-signer on a auto loan for my son-in-law and daughter who maintain the account in good standing. I have on a daily basis explained this to 5th Third Bank to no avail. It seems, short of changing my phone number, I'll not be able to stop this attempted false collection of debt without your help. I am harassed daily by the collections department of 5th Third Bank for collection of non-existent debt and yet when checking with the 5Th Third Bank Loan Department by my son-in-law everything is up to date, no overdue payments etc. The bank has threatened reposition of the vehicle if these non-existent overdue payments aren't brought up to date. How this bank can harass an up to date account in this manner I simply don't understand. I actually have little information on this account except I do have the account number which I can provide you if necessary. Any help you can give me in this matter will be greatly appreciated. I am simply tired of the daily harassment by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been harassed by Wells Fargo Bank staff named XXXX XXXX XXXX from with attached dunnest that she has mailed may 20-50 smilax dcouments and nothing afterwards. Many of the documents she sent me I had no pending compliant that she need to send me such documents. XXXX XXXX is only harassing us when she no reason to write to us when there was no pending complaint and at any time she provide more detail.as stated in the attached letter. 
On XX/XX/XXXX my loan was modified with first payment starting date on XX/XX/XXXX.

On XX/XX/XXXX I received letter regarding foreclose of my property from XXXX XXXX who was the same officer who approved loan modification. 
I received loan modification on XX/XX/XXXX and in on XX/XX/XXXX I received notice regarding foreclose. Matter of 7 days I received notice for foreclosure and its not past XX/XX/XXXX which is when first payments should start.

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 2018-05-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On or about the date of XX/XX/XXXX, Equifax reinserted 2 collection accounts onto my personal credit report. Both accounts had been previously disputed & subsequently removed from my report. I did not receive the legally required 5-day written notification, nor did I receive notification of any kind. 
The 2 collection accounts are listed below : RECEIVABLE ORIGINAL CREDITOR NAME : XXXX   XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$830.00} I have tried numerous times to submit a dispute to Equifax in regards to this matter. As they completely eradicated most of my credit history on or about the same date of XX/XX/XXXX, I have been unable to verify my identity to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
It was XX/XX/2017 when I was rushed to the ER at XXXX Hospital. Few months after, I received a billing statements for the collection of payment with the amount of {$760.00}. I asked for financial assistance from the said hospital ( XXXX ) due to lack of income and school finances. Few months after, they sent me a mail saying that they XXXX  my balance. Which means I do not owe the Hospital a payment no more. The good thing is, the problem has been solved. On the other hand, I lost the mail that the Hospital sent me which they confirmed that my balance has been XXXX. 
Thus, third-party companies such as XXXX XXXX , XXXX., XXXX XXXX XXXX., etc keep on sending me a mail which indicates on the letter that This is an attempt to collect a debt. with the same amount of balance of ( {$760.00} ). First, I am wondering, why different companies are trying to collect this amount of balance. Second, I do believe that it is inappropriate to indicate on a letter the sentence ( s ) If you have an income tax refund, perhaps you can use the proceeds to pay this account. It is disrespectful and ridiculous. It sounds very desperate. These are the things that need to be cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
To maintain A-List status with XXXX XXXX, you must either earn XXXX points or fly 25 one way flights. XXXX has a credit card with Chase and there is a marketing promotion that if you sign up for the card and spend {$1000.00} you get XXXX points. The marketing promotion did not clearly specify that these XXXX points would not go towards the A-List status. I checked my account and noticed that the XXXX points were applied to the Companion Pass status, but not to the A-List status. I called XXXX and asked why the points were not applied to the A-List status and their response was that the points only go towards my overall point balance and the Companion Pass status. I explained to them that this was not clearly stated in the promotional material that I received and had I known this, then I would not have signed up for the card. I signed up for the card because I wanted to use the XXXX points to maintain my A-List status for next year and knew that I would not be flying 25 one way flights this year. I found the marketing material to be very deceptive and am certain that I would not have signed up for the card had I known that the XXXX points would not count towards my A-List status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I have paid beyond double the principal payment of the loan due to the interest rate of over 700 %. The company still continues to take {$140.00} every two weeks. The debt of the loan should be marked as resolved, but the fees and extremely high interest rates has made it impossible and has caused me a great amount of stress and a personal financial collapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that Ocwen update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with Ocwen but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Made a pymt five days late as we have a family member hospitalized. Realized it and made the pymt immediately only to have our credit line reduced from {$7500.00} to {$2700.00} without warning. TD Bank listed two reasons on a letter dated XX/XX/18 that are completely untrue as to why the CL was reduced which are 1 ) you are not paying down your balance fast enough and 2 ) number of accts delinquent. We just used the card for the first time and have rec 'd only one statement and have made our pymt although it was five days late. How can this be legal to use false reasons to reduce our CL? Also, the is one old delinquent acct on the three bureaus just as it was when we were immediately approved for the card. When I tried to explain the above, no one wanted to hear it. How can this be legal to now use this as a basis for reducing the CL? Fortunately we are in the position to pay off what we owe and open a new acct to help offset our closing of this acct which we will do soon. We have abt $ XXXX available in unsecured credit and certainly don't have to be treated this way without so much as a phone call. Their customer service could care less. I'm assuming by the way TD Bank does business that they have never made a mistake or missed a pymt for a very legitimate reason, caught it and corrected it immediately. Please be careful using TD Bank and making a mistake. Our error cost us 85+ points in our credit scores overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX contacted me about credit card debt that doesn't belong to me. They have not provided me with information on where the charges came from and even called my husband who they say is not on the account and gave him all the information like account number and amount owed and tried to get him to pay this. They say it is from 4 years ago and they are just contacting me

Company response to consumer: Closed with non-monetary relief