vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Original debt was {$2100.00} in  XXXX , now {$2700.00}. Charges variable amounts. Different each month with each credit bureau. I would like to know the maximum interest that can be charged from this debt collection agency. Is there a % or standard amount ( set ) each month. I have tried to settle with this company. Set up arrangements and could not contact to make payments. Accepted payment in  XXXX  &  XX/XX/XXXX . Credit report has not been updated either time. Rude behavior when discussing debt and has never given explanation of debt.
Yelling and making threatening remarks.

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 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
This call came from  XXXX  and  XXXX .When you call they only say " Corporate Office, how may I help you '' they do n't say the name of the company.
I spoke to two gentlemen :   XXXX   XXXX   and   XXXX   XXXX   Before my husband and I were married he accrued a debt to Kay 's Jeweler 's for a small unpaid balance. Year later, we are contacted by a debt collection agency asking for money owed. We asked them not to call, ( they were calling my phone too ), and sent them a written letter asking them to stop calling and to also not call me or his job because we had asked them not too. After the letter was sent, we had a debt collector still contact us and yell on the phone that he was coming to get the money that was owed to them and he was going to send the police to our home.
Fast forward to 2 years now, I received a call on my job and they asked to speak to the Human resources department ( whose desk is next to mine ) they told her that they were coming to serve me papers, and told her I had a debt with Kay Jewelers. She was rattled and gave me the contact information to contact them back. I called them back and they told me that they were going to serve me papers on my job and then start garnishing my check because Kay Jewelers planned to sue me. I informed them that this was pre-marital debt and this had nothing to do with me. The gentlemen informed me that he did n't care and the debt still had to be paid or they were going to serve me papers on my job and sue me.
I spoke with a legal friend and was advised that this was premarital debt and they should not be contacting me, but my husband, and I was also informed that if I had written them a no contact letter then they should not be contacting me nor my employer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
AMCOL Systems Inc is reporting  XXXX  medical debts to the credit bureaus that I have no knowledge of and that I do n't owe. Thus, I sent AMCOL a letter asking them for a copy of the original bills and detailed statements of the procedures performed. AMCOL received my letter on   XXXX    XXXX , 2017, however, AMCOL has failed to send the requested documents. In fact, AMCOL has n't responded to my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reached out to have these unauthorized inquiries removed ; however, this company will not respond or make adjustments.To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry on these dates. This violates the Fair Credit Reporting Act, Secti on 1681b ( c ) :  Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.     I have attached the documentation I sent to the company. I have no open accounts with them. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Acquisition Group, LLC
State: NY

Complaint narrative:
ASSET ACQUISITION GROUP , LLC, has created another judgement against me. A case between this collector was back in XX/XX/XXXX  in the Sate of Florida ( case :  XXXX  ) and the case was dismissed. ASSET ACQUISITION GROUP , LLC created a judgement in  XXXX  in New Jersey which I never knew about. Then created a judgement in  XXXX  and lost the case. On  XX/XX/XXXX  ASSET ACQUISITION GROUP , LLC, create a new judgement against me in New York. This is the first judgement by ASSET ACQUISITION GROUP , LLC that I was notified. Since this is the first time ASSET ACQUISITION GROUP , LLC notified me legally in  XX/XX/XXXX  that is when the collector has tried to collect on an old auto debt passed the Statue of Limitations. This is a new judgement against me  XX/XX/XXXX and this debt is from  XXXX .
Due to Lack of Privity I have no relationship between ASSET ACQUISITION GROUP , LLC and never signed a contract or agreement with ASSET ACQUISITION GROUP , LLC.
This judgement is a Failure Of Consideration due to the fact that I have never entered into any contractual or debtor/creditor arrangements with ASSET ACQUISITION GROUP , LLC.
ASSET ACQUISITION GROUP , LLC state hat my credit application had   XXXX   XXXX   XXXX   XXXX  ,  XXXX , New Jersey  XXXX  however I had never lived there. Also ASSET ACQUISITION GROUP , LLC states that they served me at that same address in   XXXX   however I have never lived there. The Plaintiff has no proof of that address and my social security number associated with that address.There are several   XXXX   XXXX   XXXX   within the state of New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: MD

Complaint narrative:
I am the parent of XXXX XXXX XXXX. I agreed to pay off the balance of her loan to American Education Services. I wrote a check for the balance of the loan according to my daughter 's records. The check was sent registered mail # XXXX for {$41000.00}. The check was returned with the message that the check needed to be sent to another address, even though that is where she sent all her payments since the mid XX/XX/XXXX with out any delinquencies. I sent another check with the new address and a new balance. I sent the check on XX/XX/XXXX # XXXX so that it would arrive before their deadline of XX/XX/XXXX. so that more interest would not accrue. The check was never cashed and the representative at American Education Services said they never received the check. My daughter then proceeded to call AES. The manager there could not have been any more rude and uncooperative. I sent a third check by registered mail on XXXX which they would have to sign for. It never happened.
I do not think anyone can realize how frustrating it is when dealing with an organization who is completely inflexible in dealing with a simple matter of paying off a loan. Even more ridiculous is the fact that she has had to pay at a 8.9 % interest rate all these years without any relief when interest rates are at an all time low. And now they are adding interest money each day to the principle as long as they can drag it out. My hope is that you can help us resolve this problem. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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: MA

Complaint narrative:
On  XXXX   XXXX , 2017, I received notification from   XXXX   XXXX   that information in my TransUnion file had changed. All of the inquiries in the TransUnion file had been removed ( see attachments ). Subsequently, on  XXXX   XXXX , 2017, the inquiries were re-inserted to the TransUnion file. Per FCRA 611 5 ( b ), I should have been notified in writing that the inquiries were being re-inserted. I received no such notification. Therefore, TransUnion is in direct violation of FCRA. When I contacted TransUnion about the matter, the agent informed me that the issue was with   XXXX   XXXX  .   XXXX   XXXX   has indicated that the issue was with TransUnion, as they merely report information directly from TransUnion. In any respect, I have been negatively impacted by this situation as my credit score drastically decreased after the re-insertion of the inquiries. I am requesting the permanent removal of the  XXXX    inquiries that were removed and then re-inserted to my TransUnion credit file. I also request for the method of verification to be explained in any response I receive regarding this matter.

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 2017-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.

Complaint narrative:
In   XX/XX/XXXX  , I opened an account with Comenity (   XXXX   XXXX   ) and recceived a credit card only valid in their stores. I bought a watch with an offer of 24 months without interest, for  XXXX  $ US. I understood that after the 24 months, interests are going to start on the remaining amount to pay ( In   XXXX   it works like that, it 's an incentive for a customer to buy products ). I paid aroud 1300 $ US in two years. Then on   XX/XX/XXXX ,  I paid the usual monthly amount ( I live in  XXXX , so I must make transferts to a US account and then pay them, so I have an automated procedure to do that every month, and I do n't always check the statement. Furthermore, I was out of the country at this period ), but they charged me the total amount of interests for 2 years at 30 % interest rate ; so now I have to refund  XXXX  $ US, with a 30 % interest rate!
I called them, spoke with 3 representatives ( the last one a manager ), and they told me that it is a revolving interest, so because I did n't paid the total amount befo re  XX/XX/XXXX , th ey charged me the revolving interest.
I explained them that I was not aware of that rule, and if I knew I would have paid the entire remaining amount ( around 3700 $ ) in time and the case closed. I asked them to cancel the interests charged and I will pay the remaining amount immediately. The manager did n't want to understand my point and the situation. He only offered me to lower the interest amount by  XXXX  $ ( which he never did after all ), which seems an odd amount ...
I also asked him to fill a complaint for me, and I also filled a complaint myself on their web site. The answer from their secure messaging area is the same : I was late to pay the remaining amount, so they charged me all the two year past interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several written disputes with the credit agency notifying them of   XXXX   XXXX   XXXX   attempts to report fraudulent information.   XXXX   XXXX   XXXX   is stating that I owe   XXXX   XXXX   XXXX   {$670.00}. This information is false. I have never had a account with   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and   XXXX   XXXX   XXXX   requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from   XXXX   XXXX   XXXX   authorizing   XXXX   XXXX   XXXX   to collect the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following section 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing the dates within the credit file are correct   XXXX   XXXX   XXXX   has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
On  XX/XX/XXXX , I sent a letter to Navient regarding the late payments that they are reporting for my student loans. In this letter I requested documentation that would prove that my loans were not in forebearance during that time, and as of  XX/XX/XXXX  I have not gotten a response from Navient regarding this matter.
On  XX/XX/XXXX , I submitted an online dispute with  XXXX ,  XXXX , and  XXXX  regarding the inaccuracy of late payments to Navient in  XXXX  and the status was not changed.
The second online dispute with the  XXXX  credit reporting agencies was submitted in  XX/XX/XXXX .
On  XX/XX/XXXX , I submitted yet another online dispute regarding this same matter, and have yet to get any type of response from NAVIENT.
If they ca n't furnish documentation that states that I was indeed late on payments then I feel that the reporting should be updated to current for the duration of the loan origination.
Thank you in advance for helping me in this matter.
  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We attempted to buy a mortgage with Chase in XX/XX/XXXX with a {$10000.00} down payment. We were ready to close but when we went to meet with the officer to sign the papers, the loan officer was not there. There were lots of whispers and waiting when we finally learned the truth. The loan officer disappeared with all our paperwork, turns out, he was seriously ill and the paperwork was on his home computer and could not be retrieved. No one bothered to tell us. We had to start the process all over and almost lost the house. The new loan officer who was assigned, sold us an FHA. She said we could refinance soon because we were paying a larger down payment and get rid of the private mortgage insurance. We decided to refinance in XX/XX/XXXX because the value of our home increased and we wanted to get rid of the pmi and get a lower interest rate. The same loan officer who closed the loan was working on this. Chase only offered a 1/2 % of our current rate, but she said we 'd save money because we could get rid of the PMI. She said if the refi was denied, we 'd get our {$500.00} application fee back. Then, THAT LOAN OFFICER HAD SERIOUS XXXX IN THE MNIDDLE OF THE REFINANCE, and again, no one bothered to tell us. Several different people took over but even though we 've never been late with our mortgage and our credit score was XXXX. Chase denied the loan and kept our {$500.00}. The denial came XX/XX/XXXX after we had everything in order, ready to close. Now Chase is express mailing, sending and phone soliciting all kinds of offers to refinance. We could have sued them for mishandling our initial loan but we decided to give them another chance. Then they do this. We want our {$500.00} back. I tried, but no one is listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have asked  Portfolio Revovery Associates, LLC  to send me verification that this bill is mine and all they send me was a bill. I need verification such as a contact or signature stating that I had this bill. I received a  Bill . This was    XXXX   XXXX   ,  2013   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I I went to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to have an exam. After a two hour wait, I saw the XXXX. I was presented with a application for credit at 27 % interest from CareCredit/Skynchrony Bank. I filled out the application but decided something was wrong and never had any work done. My visit was paid for by insurance.
It appears XXXX XXXX used the application as a scam to get money from CareCredit ( {$1500.00} ) claiming the work was done. Now I am getting bills from CareCredit for {$1500.00} as well as late charges for work never performed.
I have notified CareCredit by mail twice of the facts and instructed them to cancel the application, credit card, and not contact me again.
After two months they continue to bill me and add penalties. I fear they will damage my credit.

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
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On  XXXX    XXXX   2017 a fraudulent charge of {$57.00} was made on our Capital One Visa Signature card from a   XXXX   in Georgia. We live in Illinois and have never been to Georgia. It was flagged as fraud and we were told another attempted charge was stopped. A credit was issued as well as a new card immediately. On our   XXXX    statement the charge was reinstated for some reason. I have called several times and have gotten several different reasons that it was recharged. One being that we have used the card at a   XXXX    elsewhere and another said that someone else called and said it was valid which is not the case. I have insisted that it was fraud and that it had been originally flagged by Capital One, but it is now nearly   XXXX   and I can not get it removed. We have cut up our cards and no longer use them and will probably close the account once this issue is resolved. I am writing letters to the company today as well to try to get someone 's attention and a credit of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2013 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: MD

Complaint narrative:
I submitted proper deferment documentation to ACS on  XXXX / XXXX /2017. Document was never processed and put in default status in error. ACS offered me a repurchase form in  XXXX /2017. Form was submitted  XXXX / XXXX /2017. Repurchase form is not processed to date. Many apologies for the error but no resolution.   XXXX   XXXX   is not willing to participate in a conference call with ACS to hear directly that this was an error on their end and ACS is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   2014  90 days past due as of  XXXX   2014    60 days past due as of  XXXX     2014  30 days past due as of  XXXX   2014    I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
This Company, which I have no contract with nor have I received service from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX , and  XXXX  credit reporting agencies. I requested verification and they false recorded me in terms of agreeing with this debt and or me making payments for their satisfactory to keep attaching this debt to me. I requested to obtain written agreement verifying I personally agreed upon this debt and account however Aargon Collection Agency failed to provide adequate to No information at all regarding proof of being my consensual account. Considering they do not have a contract with me for the goods or services they have provided or have they provide adequate proof. I AM NOT OBLIGATED TO PAY FOR THIS ALLEGED 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