vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX I transferred my mortgage to Chase with a balance of XXXX. In XXXX, I lost XXXX of my XXXX jobs and i was worried that I would not be able to make my mortgage payments. I contacted Chase for assistance, I was told that the only way for them to help is if i would miss 3 payments and fall behind on my payments which I did. They offered me a loan modification. I was told that I would have to accept this offer or I would lose my home and the offer was this : My interest rate did not change. It stayed at % 5.75. which was the same rate as of XXXX 
My monthly payments went up by {$50.00}. 
My principal amount went up by the amount of missed payments. 
And My maturity date changed from XXXX, which was the the date for the 30 year fixed mortgage to XXXX I have to pay and additional XXXX years of interest ... .. 
I am asking for help to resolve this matter. The Chase bank did not help me in my time of need. They took advantage of my bad situation and threatened me to take the " loan modification '' or my home would go into " foreclosure '' and I had no choice but to take the deal. Since then I have contacted Chase to help me with this matter but they insist that what they did was correct. 
I am XXXX years old and with this modified loan I will not be able to pay off my home. I most likely be dead by XXXX..Chase bank has taken advantage of my situation and has increased my loan repayment interest by XXXX years or XXXX additional payments in the name of helping the " customer '' or loan modification. I am not able to refinance my loan with a better rate and I have lost the opportunity to get a lower mortgage rate because of their actions. 
Please help me to regain a fair chance to own my home and not to continue paying all these extra interest payments. Thank you I have not missed a payment since the recommendation was made for me to fall behind my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: CT

Complaint narrative:
I began my full-time XXXX school program for my XXXX in late XXXX XX/XX/2009. All of my undergraduate loans except my NJ Class loans were automatically deferred due to me being a full-time student. When I called NJ Class to ask why they were still sending me bills, they said they would not automatically defer my loans and that I had to send them paperwork. I filled out the paperwork and sent it in. It took them until XXXX to actually put the deferral through. I did not pay in XXXX and XXXX XX/XX/2009 because I was a full-time student and did not have the money to pay. They marked my account delinquent, even though I sent them the paperwork to have my loans deferred. They must have taken forever to open up and process the paperwork I mailed in. They used to do the same thing to me when I mailed them checks. When I called them to work it out no one ever answered. If you do a search for NJ Class/XXXX on XXXX it becomes very clear there is something not right with their organization. 

I disputed this delinquency with XXXX I provided the necessary paperwork to prove I was a full-time student in XXXX and XXXX XX/XX/2009. They responded back that they checked with NJ Class and the delinquency was not an error. I do n't understand why they are taking NJ Class 's word for it when I have proof that I was a full-time student who was eligible for deferred status. 

If this delinquency is not removed, I will have a lower credit score than I should for two more years. I am in my XXXX and I would like to buy a home and start a family. I would also like to refinance my student loans. NJ Class 's error is going to keep costing me money in the form of higher interest rates on loans from my less-than-perfect credit score. This is the only delinquency in my credit report. I have other student loans and credit cards, and perfect payment records with all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mediation Recovery Center
State: OH

Complaint narrative:
Four times in the last 10 years, a debt collection agency has written/called to collect a debt of a person who, by marriage, had the same first and last name as me. Each of the XXXX previous agencies has ( after every excuse in the book ) finally left me alone. And then apparently sold off this issue to yet another agency. When & how do I get relief from this abuse? At no time has any of these agencies ever been able to establish that this debt is mine. But they have obtained my SSAN and lie to me, saying my SSAN was on this debt, threaten lawsuit and credit reporting, and say that since I can not prove that this debt is not mine, they will continue to attempt collection. Well guess what? If the debt is not mine, how could I possibly have any proof about the debt, one way or another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Recovery Corporation
State: KY

Complaint narrative:
Universal RE is on my credit history for XXXX. I have no debt to them. When contacted XX/XX/XXXX, they acknowledged that it may have been from my childrens XXXX school class photo. I explained that we always paid by check and that after checking my records with banks ( in accounts that are now closed ) there were no overdrafts or ISF listed. They acknowledged I have no account or account numbers with them. This is from XX/XX/XXXX. Yet it is a mark on my credit. I asked that they remove it. They did not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX forwarded a alleged debt to a attorney to collect and file a judgement against me when the alleged debt was never owed. When a full analysis of my account was conducted payments was not posted to the account. Nor was the correct amount of payments made by XXXX XXXX was posted to my account. Payments was misapplied and not applied at all. Interest accrued on non posted and incorrect payments which caused a on going balance of XXXX %. Went to court filed a motion submitted supporting documents, motion was still denied. A judgement is still being filed after receipts from XXXX XXXX were submitted.

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 2016-06-01 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I have a judgement against me concerning an auto accident I had and the law firm has garnished my wages so the debt is being paid. My complaint is that the law firm is n't reporting the payments to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I pulled my credit report for XXXX and XXXX. Paramount Recovery Systems located at XXXX XXXX XXXX XXXX Texas XXXX number XXXX is on my credit report twice for the same Creditor which is XXXX XXXX XXXX for the same amount. I need one of these entries to be removed because it is a duplicate and this is affecting my credit. I need for XXXX and XXXX to removed one of these entries and I do not need for it to affect my credit score any worse than it already is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: VA

Complaint narrative:
My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Action Financial Services, LLC
State: FL

Complaint narrative:
My government student loan went into default I. I voluntarily contacted the collection agency handling and entered into an agreement to repay at {$380.00} per month have not missed a payment at all and they allowed my tax return refund If {$2100.00} to be seized as repayment for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Collector filed delinquency collection after only 30 days after alleged fall-behind date. I was out of state and did not receive notice. Further, they reported a delinquency and collection after only 30 alleged days instead of 180, an egregious disregard for reporting procedure. 

There is a medical collection with an original statement date of XX/XX/XXXX, therefore I can not fall behind until XX/XX/2016. From XX/XX/2016 I have 180 days to pay debt before it is reported on credit. A delinquency was submitted XX/XX/2016 and appeared on my credit on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: MI

Complaint narrative:
Great Lakes student loan 's does n't provide info and I ca n't access their web site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was at TD Bank depositing money ( {$250.00} ) into my account via ATM. The ATM proceeded to take the {$250.00}, rejected {$40.00} but did not credit my account with the rest ( {$210.00} ). As it was New Years night, the bank was closed so I called the help line. They told me that there was nothing I could do over the phone and that I had to go to the bank the following morning to fill out a loss prevention form. I filled it out and was told I had to wait 10 business days ( which was not the best because I had rent due the next day ). I waited however, and never heard back from them by the end of the time. When I called the following day, I was told the claim was denied. Shocking given the fact they can see through security cameras that I deposited the money into the account, it did n't show up on my statement, and the ATM was most likely over {$210.00}. I spoke to a supervisor named XXXX XXXX, who called the branch on XXXX XXXX in XXXX New York, where I deposited the initial amount. XXXX said, after speaking to the manager, XXXX, that the ATM was not over that day, therefore they can not credit the account. You would think at this point they would check my statement and see that I, in fact, did not have a pending deposit for any amount ( let alone the original {$210.00} ) that day while also checking the security cameras to see the transaction go down. 

Their only solution was for me to go back and re-submit the report, although the outcome could be exactly the same and I could be re-submitting reports for months before I see my money. Unfortunately, I had work, so I had to authorize my partner to go in and speak to the manager. She went to the bank anyway & spoke to manager XXXX XXXX ( who she said was excellent ). She brought both the initial report and my statement showing that no amount of money was deposited that day. XXXX found out that despite what the investigator XXXX XXXX XXXX XXXX said there was some kind of discrepency in the ATM that day. However, the only thing she could do was email XXXX and ask for her to expedite the process. XXXX attempted to call the ATM investigation unit, but she was put on hold for more than 10 minutes. The quickest I would hear anything more about the investigation would be the following day ( tomorrow ). 

When my partner questioned XXXX about checking the security cameras as evidence into how much money I deposited into the machine, they said the only way to do that would be to file a police report, which could take a long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
on or about XX/XX/2014 I borrowed {$800.00} from a tilebucks own my car title.I made all payments on time..Upon adding all payments made to titlebucks, it came to a totlal of over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I bought a XXXX saturn vue for {$7500.00} from XXXX XXXX in XXXX. By the time I am finished paying for it .it will cost me {$23000.00} The warranty that came with the card XXXX year XXXX mile was not accepted by any dealership for repairs. TD auto finance has given me so much grief, like telling me I have a XXXX day grace period to make my payment and yet they still charge a late fee. Now the car has a blown head gasket and no one will repair it. They all want to put in a new engine at the cost of {$7000.00} and I can at afford to do that and I still owe about {$5000.00} on the car. I am at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Since l file various complaints against Prestige Financial services in XXXX Utah in regards of my car loan account # XXXX l have not received any official lower affordable monthly payments under {$400.00}. 
The interest rate on my car loan is still 17 % and balance as of {$20000.00} since l purchased vehicle XX/XX/XXXX XXXX with XXXX miles. 
Balance keeps increasing over {$20000.00}. 
I have requested a payment at around {$350.00}, because l can not afford to make payments of $ XXXX payed a {$440.00} on XX/XX/XXXX so l do n't get my car repossessed and have negatives on my credit report with Experian.Equifax.Transunion. 
Prestige Financial services rep reduce my monthly payments to {$440.00} @ month, but payments is unaffordable. 
If Prestige Financial services does n't want to lower my monthly payments, they can take back the car and do n't have no negatives or debts on my credit report or record. 
I ca n't refinance the loan with another lender, because of Bankruptcy chapter XXXX, but Prestige Financial services can refinance and lower car payments to {$350.00} Prestige Financial services in XXXX.Utah reps knew about my Permanent XXXX lifetime and retired status. 
Prestige Financial services contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had a credit card account with TD Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of " CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
td bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.td bank abusing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
Upon accepting the terms of background screening for employment purposes and request of a copy ; information provided in the consumer report proves inaccurate. The consumer report clearly reports information given that does n't match that of mines. Whereabouts of how the information was concluded are unknown given that no records are available to prove otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation