vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I disputed the debt in writing with the company once it appeared on my credit report. I previously had not heard anything about the bill. I found when they send me a copy, that the hospital failed to bill my insurance and also had incorrect address information in their system. The hospital has since admitted fault and has written off their portion. TSI has closed the account based on my communication, but it still remains on my credit report, which is effecting my credit score by more than 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am enrolled in the Pay as you earn plan through XXXX and also in the Public Service Loan Forgiveness Plan. I have been in this program since XXXX and have renewed it the same way every year- with the application, check stubs, and my W-2. This year I turned the application and supporting documents in on time. On XX/XX/XXXX I received a letter stating I also need to turn in my 1040 which was sent in on XX/XX/XXXX. I received a letter on XX/XX/XXXX that said I have been approved and to continue making my normal monthly payment ( {$39.00} ) until XXXX and then the amount would increase to {$46.00}. I made that payment on XX/XX/XXXX but saw the amount that was due is {$240.00}. I thought this was just a lag in the system and things would catch up since my paperwork was still being processed. I received texts and emails stating I was overdue on my payment and still owed the {$240.00}. I called on XX/XX/XXXX and spoke to 4 different people including the supervisor at XXXX. They said the letter was from XX/XX/XXXX and that turning my 1040 in on XX/XX/XXXX was more than the 10 days late that they allowed. The letter I have in my paperless inbox is dated XX/XX/XXXX and turning the letter in on XX/XX/XXXX is less than 10 days from that date. She said that the bill came out while my paperwork was being processed and there is no way this can be changed to the normal monthly payment of {$39.00}. I asked why they are unable to change this since the paperwork has been processed and was turned in on time. I was repeatedly told that my paperwork was turned in late and it should have been turned in earlier. I asked why I need my 1040 this year and they said because I checked the box that said to include my taxes. I have looks at my other applications and this box has been checked on those and I have never had to do this. I have only needed check stubs and my W-2. Everything was turned in on time. Since I have been told there is nothing they can do about this and this is the amount due, they told me to do a forbearance. I can not afford this payment which is why I am in the Pay As You Earn Plan. I have XXXX XXXX, a mortgage, bills, and limited income. The customer service I received was terrible. I did everything I was asked, turned everything in on time and because it took almost a month to process the paperwork, I was stuck with this amount and had no choice but to do a forbearance for this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: TN

Complaint narrative:
I have been making payments to Ameritech Financial for 3 years and they have made no payments on my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
Due to recent health issues I was not paying very close attention to my mortgage. I just paid it. I realized in XX/XX/XXXX that my payment increased by XXXX PER MONTH and had been that way since XX/XX/XXXX. I called myloancare and they stated that my town taxes increased dramatically from XXXX a year to XXXX per year. I went to the town hall and they said I missed the homestead exemption. We calmly spoke and they said we can fix it it will take a month till the board meets on XX/XX/XXXX. The town met and sent me an abatement letter and a copy of the taxes backdated to the beginning of XX/XX/XXXX stating my taxes are in fact XXXX per year. I immediately sent the letter and abatement to my loancare, confirmed they received it and they said they would run an escrow analysis and fix it on XX/XX/XXXX. In the meantime I have overpaid by XXXX dollars without XXXX XXXX payment even being made yet. I received an email on XX/XX/XXXX from my stating that myloancare sent the Town of XXXX another XXXX dollars in tax payments that wasnt even due until XX/XX/XXXX verified by XXXX at the town of XXXX tax office XXXX. She said why did they send that and why would they do that " WE SPOKE TO THEM " AND TOLD THEM YOUR TAXES were XXXX per year. After the escrow analysis was marked as completed on XX/XX/XXXX by my loancare they update my account stating that my taxes are XXXX dollars per year and my payment was still XXXX higher than it should be at XXXX per month. When they have a black and white paper stating my XX/XX/XXXX and XX/XX/XXXX taxes are XXXX per year and spoke to the town and verified it with XXXX. They have refused to fix the account and refund any monies owed to me and just keep giving me the runaround. The stress of calling everyday and disputing the same facts with different people on any nornal time would be too much never mind with health issues and at XXXX time and being out of work but NEVER MISSING OR delaying any payments. Please help me please. They know they have the power and are just bullying and not doing what they are supposed to. It is very very wrong. And this stress is not healthy. I just want to pay my mortgage and not have to deal with this sham of a company.

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 2018-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have been trying for almost 2 months to get information from my student loan servicer about the terms and conditions of my student loans. they have at various points said they would send it then didn't, said it doesn't exist, said they have it but can not send it to me, said they have it but are not obligated to share it. I would like a copy of the full terms and conditions of my loan agreement. I've never had an issue with any other lenders I worked with on any type of loan to get a copy of the full terms and conditions of a loan. I've never seen a contract that was enforceable with only one or two pages of a  multi-page contract but that is what XXXX keeps saying is the case. I am asking for what I have been asking for during this entire issue, a copy of the full terms and conditions of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank froze my account on XX/XX/18 for a {$1000.00} certified bank deposit check coming into my account. I have a business account and it is registered and I pay my taxes timely. I need my account unfrozen so I can conduct business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
I received a 30-day notice of the debt by ProCom services about a year after this debt was supposedly to have occurred. As I was completely unaware of any debt to the company they were representing, I asked for debt verification, which was never provided. Instead, the account was reported to the 3 Credit Bureaus without any attempt to resolve the discrepancy.

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Some time in May I lost my TFc bank card and me and my son socials in my wallet I hade XXXX $ on my card that I needed to use for my son milk I happen to notice that I didnt have my wallet so I pankied because this is unlike me I even called the police they said they can mske a report but they couldnt do nonthing about it I called the bank they said my account was on locked and closed because it was in a negative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashwood Financial Inc
State: TX

Complaint narrative:
Keep calling to collect debt for unknown person. Ask for " XXXX ''. No one I know. Keep calling over and over and over despite asking to be taken off their calling list. They hang up as soon as I ask to be put on their do not call list. Now they are blocking my calls to them. These calls are harrasment. Scammers?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion ref XXXX enclosed are documents that state XXXX has no proof that I made or Used this account the only information they have is my name address and phone number in which they stated enclosed that was on the online contract { 1 } I was not living at that address I was living with my father at the time { 2 } they state that the phone number used { Wrong I did not have this number then, the only reason they have it is I contacted them about this account } { 3 } they have No contract with my signature on anything { AT ALL } { 4 } they state they send registered letters to my { I never get } them You transunion state validated when NO ONE Can get any information, XXXX, FTC, ATTY GEN, OCC,  CFPB, myself So I will be filing a Extorsion case against you and XXXX with the police dept and have it refered to the District Atttorny 'S office, I will also call the News Media to report this case, you can explain your position and XXXX to the court, o trust me Im filing this today Stall games with you and XXXX are very clear in your response to all the goverment agencies ALL DOCUMENTS WILL BE GIVEN IN THIS CASE. this is a fraud case in XX/XX/2014 filed in XX/XX/2014 as fraud. remove this account it is not mine or ever was.please dont send me or respond to the XXXX it's been done over and over, its your response ablity to report correctly and you have the documents that shows it can not be validated

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 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has restricted my account to verify transactions. I appreciate and Thank Capital One for taking those steps to prevent fraud, though, it does not mean that Capital One has to give so much hardship nor do they need to mistreat, bounce the call and refuse to escalate the issue to the executive offices. These actions taken by fraud departments are unbearable and needs to STOP immediately. To verify my identity you will need to contact me on the number that is reported to the fraud alert with the consumer reporting agencies. 
( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Back in XX/XX/XXXX or XX/XX/XXXX I called to set up a verbal payment arrangement that if I made XX/XX/XXXX payment that they would add my XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. Well since then at I file Bankruptcy but re-affirmed on my car loan to keep my vehicle. I have made my payments since then and this morning I went out and my car was reposed!! so I called them this morning and spoke to someone in the bankruptcy division and they told me that all I needed to do is pay XXXX and I would get my car back, so they transferred me over to the payment department. Well they told me that no I needed to pay them XXXX to get my car back- which I paid because I need my car to get to work!! But then I proceeded to ask them about the verbal payment arrangements I made back in XX/XX/XXXX and  they told when I filed bankruptcy that that became voided, but that was never told to me at the time of that agreement. My bankruptcy has been discharge and they came and got my car!!! But I was never notified that I was that far behind as I thought I had that agreement in place and was still making payments? I contacted my bankruptcy attorney as well and he said that this is not good business practice and that the time I filed my credit showed I was only XXXX behind on my car payments which would have been the tow that they agreed to add to end of my loan!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was the victim of a scam by some unknown person who had me contact he or she through their personal phone number ( XXXX ) XXXX on XX/XX/2018. I was trying to buy these shoes from XXXX and I foolishly sent money ( {$270.00} ) to this  person that told me to contact them directly instead of going through XXXX. I sent them money through XXXX XXXX and unfortunately never received these shoes. My bank, Chase bank, said they could do nothing about it since XXXX XXXX is a money transferring service. I dont know who this person as I never got a name from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a Fraud file : I have constantly disputes the following account directly with Equifax, over 6 months. The following account are only showing with Equifax, and they have ignored me without proving me from where those accounts are coming from. I even send them a police report proving that they need to investigate those accounts, ( police report was sent on XX/XX/XXXX ). My credit report have been delinquent with information that doesn't belong to me, this PROBLEM is ONLY with EQUIFAX. Also I am concert that the reputation and consumer information of Equifax was stolen not long ago, and now I am paying the price of their fraud. 

How I want you to solve this problem : To call accountable EQUIFAX for the accounts that are reporting on my report, and deleted them as soon as possible. 

Those are the accounts information : 1 ) XXXX on XX/XX/XXXX for {$3400.00} 2 ) XXXX on XX/XX/XXXX for {$1000.00} 3 ) XXXX on XX/XX/XXXX for {$1000.00} 4 ) XXXX on XX/XX/XXXX for {$670.00} 5 ) XXXX on XX/XX/XXXX for {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased an open box computer that was broken from XXXX XXXX on XX/XX/XXXX i returned and exchanged the computer the next day for a new XXXX computer totaling {$1000.00}. the computer malfunctioned within a few weeks of purchasing and i visited the store approximately 15 days after the purchase to return/exchange the computer. the customer service rep at the store stated that the window for return had closed and i must contact XXXX for warranty repair. at this time i was not aware of my right to return a defective item, and was not aware that the store actually had a 30 day return policy. 

i contacted XXXX a few times to try to initiate a warranty repair. they promised to send me an overnight box to ship my computer to them. it took a few weeks from my initial call to actually receive the box. the repair process took about a month. upon receiving the computer back, the computer started malfunctioning again almost immediately. 

this is when i filed a dispute with citi best buy card services, explaining my interaction with the deceptive XXXX XXXX   employee, the defective product, etc. Citi QUICKLY sided with XXXX XXXX on this matter, stating that i was outside of the return window. Ha. its been months, of course its outside of the return window now. i am not disputing that. 

. the problem has gotten progressively worse and the computer is now unusable. i contacted XXXX for a return box about a week and a half ago for a return box. it has not been received and XXXX repeatedly tells me that they have no record that i initiated a second repair request. i contacted Citi yet again to open another dispute. they stated that they have already sided with XXXX XXXX, that it was past the return window, and they will not open a new dispute. 

i question citibanks business practices as they sided with their business partner and provided no valid reason as to why. i should be covered under the purchase protection plan that they offered 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 2018-12-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb/Walmart  XX/XX/XXXX opened-XX/XX/XXXX closed XXXX $ I have called numerous times and reported that this is not my account and has been opened by someone else and nothing has happened.

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 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX acct # XXXX XXXX XXXX is the original/ XXXX XXXX XXXX XXXX XXXX, sc XXXX I have tried to tell this company that I did not sign any documentation to this company and requesting the following information 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-13 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: MI

Complaint narrative:
I have been a victim of identiy theft filed a police report and sent it to companies reporting information. Credit Bureau stated the fraudlent information was verified by creditor. But could not provide proof of verification any documentation. I need this account deleted it not my account.

Company response to consumer: Closed with explanation