vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
For about 6 weeks, we've been getting repeated robocalls from TransWorld Systems , Inc. saying we have an outstanding debt. We 100 % do not. This is absolutely a scam. The call is recorded and tells us to call another number, but we're not going to do that because we are 100 % certain we do not owe any money. I've tried to block some of the calls with my carrier, but they continue to pop up under different telephone numbers ( also a sign of a scam ), including : XXXX XXXX XXXX If we owed money we would have gotten notification in the mail. None has come. And a quick search online shows this company is especially egregious. Indeed, it looks like CFPB has tried to reign them in in the past, but clearly it hasn't worked : XXXX XXXX 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was sent two letters from XXXX regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. XXXX XXXX  sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with XXXX and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at XXXX XXXX  stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with Transunion and they replied that XXXX said it is indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from XXXX stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, submitted an application with XXXX for the XXXX Holidays. And I submitted an application for Healthcare. 
I am a senior citizen and on a fixed income. Experian is preventing me from getting healthcare insurance. 

I was given a code : XXXX. The representative wasn't able to to verify my identity. 

The only thing correct about me was one of my employers. 
1. In XX/XX/XXXX, I was employed with XXXX XXXX 2. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX 's XXXX. I was employed with XXXX 's on XXXX XXXX. 
3. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX XXXX  XXXX & XXXX XXXX 

I was born in XXXX County/XXXX TN. 
You have telephone numbers that all began with area code ( XXXX ). I have no Idea where that's located. 
I have a bankruptcy case number from XX/XX/XXXX- ( XXXX ). I was asked certain digits, that we're none of the above. I had a XXXX & XXXX   bill on my report ( XXXX ), have been paid on. The property was at XXXX XXXX, XXXX XXXX TN XXXX. I have a new account number, because I have another place to live. I've sent you a copy of the new bill. I've expressed on several occasions, that I am a victim of identity theft/fraud. The court records are public and this information can be verified, if you take time and investigate. I've reported the abuse to IRS, FTC, and every enitity I can possibly think of. Someone have created EIN numbers using my personal information.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX  and Experian to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX/XXXX  acct # XXXX ; XXXX XXXX XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Applied for XXXX via web in XXXX a representative contacted me via phone once app was received .he went over loan and terms .before accepting the loan in which I applied for XXXX I asked the representative several time that since I was planning to pay off in XXXX would my balance be XXXX which would be the remaining since I paid for 7 months starting in XXXX he stated yes no interest for a year and I would only pay back the amount left from what was borrowed. I noticed on my credit report it states my credit is XXXX and on the XXXX  website I owe almost XXXX with only {$14.00} out of the XXXX going to interest. I contacted office in XXXX requesting call be pulled to honor what I was told I was told a supervisor would call back but he not sure when. Several days later I received a call unfortunately I missed the call due to being at work when I called back I was told I had to put in a request and they would call back within 24-48 hours as of today and it has been almost two weeks I have not  received a phone call to resolve matter I wouldve looked into someone else for loan if I knew my information given to me was inaccurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax is horrible. The lowest FICO score that I have is from this reporting agency. Why isn't there ONE method of determining FICO scores! each agency is different with Equifax being the WORST! I can't log into my report on line to dispute 2 medical collections that Equifax STILL has on my credit report, while XXXX and XXXX XXXX have deleted them! I tried to get them on the phone, but after 43 minutes on hold one time and 56 minutes another I gave up! In addition I want to know why my Equifax score is so much lower than my other two credit bureau scores but without being able to access my report, it's impossible to tell!!!!!!!! 

If the government can't do anything about having these rip off collection agencies reporting medical debt on someone's credit report, then do something about freakin Equifax at least. 

For credit card loans you know what you are getting into. You sign an agreement to pay a debt. No one signs an agreement to get sick or for their children to get sick but despite this, medical debt continues to affect your XXXX credit score and with a reporting agency like Equifax you cant do anything about it because you can't access your account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: U.S. BANCORP
State: OK

Complaint narrative:
XX/XX/2016. XX/XX/2015. XX/XX/2015.

I have a US bank secured credit card. I went through financial hardship and was late on making a few payments on the above dates. I have been perfect otherwise, as the records show.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I do not believe that my Chase Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, XXXX, is the Trustee for XXXX XXXX XXXX XXXX XXXX  Pass-Through Certificates Series XXXX and is in the process of evicting us from our home. This eviction is based upon an illegal foreclosure and sale that was carried out by Wells Fargo Home Mortgage ( ASC ). The fraud centers around Wells Fargo Home Mortgage leading us into default without our knowledge in order to qualify for a loan modification in XX/XX/XXXX. They told us to stop making payments in order to qualify for a loan modification. They had no intention of making a loan modification. Wells Fargo Home Mortgage was the agent for XXXX XXXX, XXXX, and it is not known whether they were simply following the instructions of XXXX XXXX, XXXX The complaint against XXXX XXXX, XXXX, is that they have been informed some time ago about the illegal foreclosure and sale of our home and they continue their efforts to evict us. The are aware of many acts by their agent, Wells Fargo Home Mortgage, of fraud and tactics they used in servicing our mortgage and countless others. What isn't known at this time is the involvement of XXXX XXXX, XXXX, in the acts that Wells Fargo Home Mortgage inflicted upon us and other homeowners. This includes the placement of our mortgage ( predatory loan? ) into a government guaranteed trust. It also isn't known if XXXX XXXX, XXXX was giving instructions to Wells Fargo Home Mortgage as their agent in the fraudulent acts that they committed. 

I am a XXXX year old XXXX veteran with an XXXX XXXX and the acts of Wells Fargo Home Mortgage and possibly XXXX XXXX, XXXX, caused me to lose my company, income, my company stock, my company retirement, and I was forced to file bankruptcy in XX/XX/XXXXto protect my home from foreclosure. I am simply looking for fairness in my losses and get my house back.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I made the mistake, as Im sure others have found the hard way, that XXXX XXXX offers no consumer protection despite being affiliated with major banking institutions ( such as mine with Suntrust ). Unlike XXXX, if you initiate a payment to someone who turns out to be defrauding you, there is no recourse. Even if you become aware of the fraud within minutes, not days. 

I never used XXXX before, and I can tell you I never will again for this very reason. I was buying event tickets today ( XX/XX/XXXX at XXXX EST ), the guy showed me the actual ticket purchase via XXXX by including a screenshot in an emai, and he said he would immediately transfer them via XXXX once I paid him via XXXX . I told him I never used XXXX before, and he told me how safe it is since its offered by major banks as a service offering. I naively thought my bank ( Suntrust ) would stand behind me if there was any kind of impropriety ; that is not the case. 

I have a name, address, cell number, XXXX account name and affiliated phone number, a screenshot of the XXXX purchase transaction, and texts and email exchanges documenting everything. 

Im a mother of XXXX kids with XXXX XXXX who wanted to see a comedy show with a friend as our XXXX gift to each other. I needed just a night of lighthearted laughter, since I dont have a lot of it in my life. Instead I spent every last dime I had to spare, {$140.00} to be exact, to line the pockets of a scam artist via an app my own bank endorses and supports. 

XXXX and Suntrust Bank offer zero Consumer Protection or recourse against Fraud when using this money transfer app. 

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 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I went to court on XX/XX/2018 for a debt of {$1100.00}. I pled guilty and discussed with the debt collection agencys attorney the repayment plan. The attorney stated I could make {$25.00} payments and that these could be made through my current debt management agency. I was to call the debt collection agency to set up my payment. 
I called on XX/XX/18 and spoke to a XXXX. He told me that my payment would be {$220.00} a month. I relayed to him what his companys attorney told me I could make a {$25.00} payment. He put me on hold and then said he can only do {$150.00}. He also told me I could not send in a payment by check. He stated I had to give him either my routing and transit number or my debit card number. 
I felt completely pressured to give him my private bank account number and feel extremely violated. I did not want to give any non public information of mine to him but Felt pressured to do so.

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 — Problem with customer service
Company: AES/PHEAA
State: NH

Complaint narrative:
In XX/XX/2018 I received a minor bump in pay. I did the right thing and asked XXXX to recalculate my monthly payment. Their website and recalculation application failed to mention anywhere that they would recalculate monthly income based on a person 's regular pay but also any overtime earned that month. My monthly payment amount skyrocketed. 

I contacted an agent who told me to resubmit using my tax return. I received no response after doing this. I called again and another agent informed me that the prior agent 's information was incorrect. They advised that I needed to wait until I had a paystub that didn't have overtime and resubmit again. 

In late XX/XX/2018, I resubmitted a new paystub for recalculation. I then received two letters less than two hours apart that contained two different recalculation amounts. No explanation was provided in either letter. I emailed and received a response on XX/XX/2018 indicating that the first letter was based on the income tax recalculation which was incorrect. The second letter was for the correct amount. 

On XX/XX/XXXX & XX/XX/XXXX I again received two letters with different recalculation amounts and no explanation for why I was receiving either one. I emailed multiple times and received no response. I just spoke to another agent and was told that the response from the agent on XX/XX/XXXX was incorrect, that this 3rd letter I received was an error and now the 4th letter with an even higher amount was correct. 

XXXX needs to improve their transparency with customers, their communication, and train their agents better.

Company response to consumer: Closed with explanation
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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by XXXX XXXX and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt

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