vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I made a payment as agreed on an account that Second Round Collection Agency is collecting on, this is an old charged off debt from XXXX XXXX. The agreement was to make XXXX payments in the amount of {$75.00}. The first check was paid in order to start the process as indicated by the collection agent, XXXX. I made that payment as indicated by the check enclosed for verification. Each month I have made the {$75.00} payment and for the Month of XXXX I made the payment and also sent in an extra check, since I had more money put aside, in the amount of {$75.00}. I have a coupon book that was sent to me that shows the due date of each {$75.00} payment. I received a letter for the month of XXXX that they are going to draft out of my bank account, {$150.00} for the month of XXXX. This of course was not the original agreement and was NOT authorized by me. I called my contact at the collection agency today, XXXX, and she stated that when the negotiation was made at first in the month of XXXX, 2015, the agreement was to make {$75.00} payments bi-weekly. There is no agreement that was made with this company to make bi-weekly payments. My concern is that this company has not upheld it 's agreement and they are planning to withdraw funds from my bank account without my consent. In addition, the amount due as stated on my collection letter/balance is incorrect. This is a major concern for me as I have spoken with this company more than once to and even asked at XXXX time to receive verification of the debt and was told I did n't need XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: STERLING JEWELERS, INC.
State: KY

Complaint narrative:
Sterling Jewelers / XXXX XXXX provide a Credit Card option. Once you receive you card you are able to sign up for paperless billing statements delivered to your email. This service is provided by all of my credit card companies which I opt in to allow me to manage my payments and credit line accounts as I am certain that many folks do. Sterling Jewlers however continues to fail to send the e-statements yet are able to send multiple ( up to 5 per week ) sales promotional emails. It would be interesting to see if this is a common practice by the company to bilk consumers of money by assessing late fees or if they actually believe they are sending the e-statements yet have a system flaw which could have an adverse experience to someones credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I have been dealing with Kay Jewelers recently over constant lies to me and misinformation. When i signed up for 12 months interest free financing i new it was on that particular item, 4 months later i bought another item not included in the 12 months free program and i asked will that mess up my interest free financed item they said no, well it did because at the end of the 12 months my balance was way higher than should be and i was charged back fees. their excuse was i was late multiple times which there lays another problem, anytime i missed or was late i called and paid it asap and asked each time was there a late fee and i was told no. they then said they can refund part of my account, {$160.00} dollars than after it posted they recharged it. i have called them numerous times. they will not help, they say they will look into and call back and i have been waiting on the calls, some of their tactics should fall under predatory lending since they told me i didnt owe any late charges when they knew i did and they knew that would cause me to not be at a zero balance at the 12 months as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. 

In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. 

I have emails and statements to back up this information, which I will provide here if there is a method to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems
State: NC

Complaint narrative:
Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. 
The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
On XX/XX/2016 I received a letter stating that I owed {$3400.00} on account number XXXX for purchase made at XXXX XXXX. I have also received numberous phone calls from an individual at Second Round LP. I attempted to explain to the agent that there must be an error with their records due to the fact that my account was paid in full and in good standing, with a balance of XXXX. I also emailed her a copy of the receipt showing that my pruchase from XXXX XXXX was paid in full. However, I am still continually being harrassed by an agent from Second Round that payment is still outstanding. 

I have asked the agent for clarification on the statement, what items were purchased and for what amount. To date she has not provided any statements showing items that were purchased adding up to the amount they are claiming is owed. Furthermore, the agent has notified me that the account for which I am being harassed is different from the one to which I sent her a copy of receipt showing payment in full. I have also contacted XXXX XXXX and requested copies of all statments reflecting purchasses to my name. XXXX XXXX also informed me over the telephone that they had no record of an account ending in XXXX reflecting any purchase that I had made. It is evident that some error has been made by either XXXX XXXX, or Second Round LP. However, I have not been able to receive any assistance from Second Round in trying to resolve this matter. Both myself and my family are being harassed and threatened that I will contiue to be contacted until they have received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: GA

Complaint narrative:
I have XXXX sets of student loans, XXXX set which began repayment in XXXX, and XXXX that began repayment in XXXX. The XXXX loans are paid via direct debit from my bank account, with the XXXX loans paid by manual payments set up by me. Last month, rather than specifying that my manual payment should be applied to ONLY the XXXX loans, I decided that I would just pay the listed payment due in total and assumed that the lender would apply my payment toward amounts still actually due. Instead, they applied my payment across all of my loans, so that when I logged in today to get my XXXX, I was greeted with a warning that a payment of {$88.00} was past due, despite both of my normal total payment amounts being cleared with my bank ( {$170.00} for the XXXX loans and {$170.00} for my XXXX loans ), because they incorrectly applied my payment. I feel this is a predatory practice and that payments should be automatically applied to all amounts due, unless specified otherwise. This is how people end up with negative credit marks and ballooning interest amounts : the lenders do things out of convenience instead of common sense. Fortunately, it 's tax time so I happened to check the website more often than usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Associates
State: VA

Complaint narrative:
I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to. 

I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I am in repayment on federal student loans administered through FedLoan Servicing. I have been on the Income Based Repayment program, which requires annual re-certification. I apparently missed notice of the deadline to re-certify which I just discovered had been sent to my " paperless inbox '' in XXXX, at the same time I am typically informed that I may download data for taxes ( note : when a message is sent to " paperless inbox '', fedloan does not email you notice as to the contents of said message ). The deadline for IDR re-certification was apparently within 10 days of XXXX XXXX, XXXX. I submitted application to re-certify XXXX XXXX upon logging into my FedLoan account and discovering my monthly payment increased from {$520.00} to {$1800.00}. Today XXXX XXXX XXXX, XXXX ) I logged into my FedLoan account again and saw my principal rose from XXXX {$170000.00} to XXXX {$180000.00}. Essentially, I am penalized {$18000.00} for failing to submit an application upon dubious notice. Furthermore, as long as my application is pending, my monthly payments are now approximately {$1900.00} ( from {$520.00} while on IBR ). The only relief I have is a forbearance, which would result in even more interest being capitalized ( i.e. principal increasing further ). I graduated law school in XXXX XXXX with approximately {$170000.00} in debt. Since XXXX, I have made all of my payments as due, yet my principal was on XXXX XXXX, XXXX was {$170000.00} ( I have had XXXX previous forbearances due to my loan service providers twice failing to include my spouse 's debt in calculation of my IDR eligibility, which were later resolved, but resulted in interest capitalized ) and now on XXXX XXXX, XXXX, my principal is {$180000.00}. This is unduly burdensome and may result in financial hardship in the future, including but not limited to, increased payments and interest, increased life of repayment, increased tax consequences should balance be forgiven, and increased debt to income ratio, resulting in inability to obtain personal financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I was contacted by American Education Services on XXXX consecutive days before XXXX. The XXXX day was contacted at XXXX and the XXXX day at XXXX XXXX. I called back on the XXXX day and talked XXXX guy that was rude and was stating well thatis what happens when you are delinquent. I asked to talk to a supervisor who was equally not helpfuul and was telling me that they are in Pennsylvania and they are XXXX hours ahead of my local time. So she said they had no control over the automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC.
State: WI

Complaint narrative:
I was declined for an auto loan by SunTrust and XXXX XXXX and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help 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 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I was forclosed on by suntrust on XXXX 2013. Suntrust was suied by a class action suit and lost for illrgally foclosing home in the 2013 time period. I was part of the case and awarded money. I requested Suntrust Morgage escalation Resolution team to remove this from my credit since I was part of the class action suit and awarded money for there actions. They refused and stated my forclosure was valid and correctly reported to the credit bueru. I disagree since they were suied for morgages they forclose during 2013. It was for XXXX they had to award to customers. I would like this removed from my credit ( XXXX, XXXX and XXXX. All my attempts to keep the home was not accepted by suntrust. ( Loan modifacation, short sale ) They were goin to forclose on house nomatter what I tried to do. If they had forclose correctly they woulfg have not lost the class action suit for XXXX which was awarded to thousands of customers. I recriced a check also I was forclosed on 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 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
The debt was forgiven by the bank. 

The account in question was a reward checking account at XXXX, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX XXXX located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that XXXX had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX XXXX National Enterprise Systems , INC . 
XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am sending a debt dispute to this agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
They call 5 times a day and do not leave messages and when the phone is answered the do not say anything. This happens everyday for the past year or two.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.

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 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance. 

My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief