vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-21 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: NE

Complaint narrative:
I WAS IN A CAR ACCIDENT ON  X/XX/2016    IN WHICH ANOTHER PARTY WAS AT FAULT FOR, I HAD TO HAVE SEVERAL  XXXX  AS A RESULT ALL OF MY MEDICAL PROVIDER WERE FULLY AWARE THAT  A 3RD P ARTY WAS RESPONSIBLE AND WAS PROVIDED WITH THE CLAIM NUMBER FOR BILLING AND A COPY OF THE POLICE REPORT FOR THE ACCIDENT. I AM BEING REPRESENTED BY   XXXX   XXXX   XXXX   IN  XXXX  NEBRASKA. I WAS CONTACTED BY   XXXX   XXXX   XXXX   TO DEMAND PAYMENT FOR FOR  XXXX  BILLS FOR   XXXX   FOR {$140.00} AND THE OTHER FOR {$120.00} EVEN THOUGH THEY HAD DOCUMENTATION FROM MY ATTORNEYS OFFICE THAT THIS WAS A  3RD  PARTY BILLING THEY KEPT THREATENING TO TURN THE  XXXX  BILLS OVER TO COLLECTIONS SO I PAID BOTH BILLS IN FULL. A FEW WEEKS LATER I GOT AN ALERT FROM CREDIT MONITORING THAT A COLLECTION HAD BEEN ADDED TO MY CREDIT FILE BY A COLLECTION AGENCY CALLE D TRANSWORLD SY STEMS WHICH I PROPMTLY CONTACTED TO GET THEIR FAX NUMBER TO SEND THEM PROOF OF PAYMENT THE LADY I SPOKE TO REFUSED TO HEAR ME AT ALL AND BEGAN YELLING AT ME FOR PAYMENT, I ALSO CONTACTED    XXXX   XXXX   XXXX    TO FIND OUT WHY THESE ACCOUNTS WERE PLACED WITH COLLECTIONS DESPITE BEING PAID IN FULL EVEN THOUGH I WAS NOT THE RESPONSIBLE PARTY. AT FIRST I WAS TOLD THAT MY PAYMENT COULD NOT BE FOUND AND AFTER FAXING PROOF OF PAYMENT I WAS TOLD THAT THE SYSTEM HADNT UPDATED PAYMENT WHEN THE COLLECTION HAD GONE OUT. THIS CALLED MY  CREDIT SCORE T O DROP BY OVER  XXXX  POINTS. I DESPUTED THESE COLLECTIONS WITH  XXXX ,  XXXX  AND  XXXX  ONLY  XXXX  REMOVED THESE COLLECTIONS FULLY THEY ARE STILL LISTED ON MY   XXXX   AND   XXXX   REPORTS, I AM VERY DISAPPOINTED BY   XXXX   XXXX   XXXX   FOR DEMANDING PAYMENT FROM ME DESPITE HAVING PROOF THAT ANOTHER PARTY WAS RESPONSIBLE AND HAVING A CLAIM NUMBER FOR BILLING, I FELT BULLIED INTO PAYING AND INSULTED WHEN I STILL TURNED OVER FOR COLLECTIONS AFTER PAYING THEN TREATED VERY HOSTILE BY  TRANSWORLD SYSTEMS  AS I ATTEMPTED TO PROVIDE THEM PROOF OF PAYMENT AND THAT THE COLLECTION WAS IN ERROR THEY REFUSED TO ACCEPT ANY INFORAMTION FROM ME AND LASTLY I AM DISAPPOINTED THAT DESPITE PAGES OF DOCUMENTATION THAT THE COLLECTION WAS IN ERROR AND I PAID THE BILL DESPITE NOT BEING RESPONSIBLE FOR THE BILLS ONLY TO HAVE THESE NEGATIVE ITEMS ON MY CREDIT FILE STILL FROM  XXXX  AND  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: CA

Complaint narrative:
For nearly 3 months I have been dealing wit h Fedloan to try to change my income-driven repayment plan from IBR to PAYE . On numerous occasions I have been given incorrect information which has delayed the process, and has kept me in forbearance when I should be making payments. In general, the customer service representatives seem to be completely uninformed about their own policies. I have called in multiple times in a single day, getting a different answer from each customer service representative that I speak to. Once I was told they would mark my account for " expedited review '' since it had been so delayed. I called back the same day and was told by a different person that there is no such thing as " expedited revi ew '' at Fedloan. Now a fter 3 months, I 'm finally to the point in the process where I can pay the mandatory one-time reduced payment of {$5.00}, so that I can enter my new income-based repayment plan ( online calculator says I can expect to pay about $ 400 /mon  th  ). The bill for the {$5.00} was posted to my account on  X/XX/17   , and I paid it on  X/XX/17   . On  XXXX , I then got a new notice from  Fedloan  that my next bill is due   XX/XX/XXXX ,  in the amount of {$3900.00}. I called to ask how that amount is possible, and was told that I " paid the {$5.00} bill too early, and should have waited until  XX/XX/XXXX . '' I asked to speak to a manager, but no managers were available. I was never told to wait until  XX/XX/XXXX  to pay the bill, despite having many conversations with multiple Fedloan customer service reps about it. Nothing on the bill said to delay payment until  XX/XX/XXXX . My online payment went through and was taken out of my account immediately, and I received a confirmation of successful payment. Why would n't they delay the transaction until  XX/XX/XXXX  if that was required? They have my {$5.00}, I just want them to apply it appropriately and let me start my PAYE repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
After many years of nearly perfect credit scores. I found out that m y FICA score took a big hit from Barclays credit card. Barclays r eported that I had this card for 20 years. I have never had this card, did not use this card and never wanted it. They said they reported my failure to pay a {$49.00} annual fee.. I never agreed to this. This appears to be fraud.

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 2017-05-21 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: VW Credit
State: MI

Complaint narrative:
I bought another  VW  in  XXXX  anticipating the  XXXX   (  diesel fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called VW and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to VW in  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a Satisfaction Of Mortgage Dating Back to  XXXX / XXXX / XXXX  Recorded in Register of Deeds In   XXXX   Wi. The Doc.Id as our Current Lender stated Not a Chase Loan, I found out in  XXXX  that this Doc.Id. Was a  XXXX   XXXX   XXXX   Loan Paid in Full as  of  XXXX / XXXX / XXXX . A letter  Dated   XXXX   XXXX  states that. From  XXXX   XXXX   XXXX  Ca. My Last Info is a Satisfaction Of Mortgage From  XXXX  Recorded on  XXXX / XXXX / XXXX   XXXX  Fee {$30.00} in the  Register of Deeds  office in  XXXX  Wi. Tax. Id. Correct.   Property Location Correct.I have a Certified Copy From the Register Of Deeds. Under our Wi. Statute  706.05 { 10 } And 706.05 { 10  } { A } If You Received a " Satisfaction Of Mortgage '' endorsed with a time, date and document number From a Register of Deeds Office. '' The Nothing Further needs to be Done '' " The Above Facts Are True in My Case ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from  XXXX  credit report on  XX/XX/2017    then added back on  XX/XX/2017   . This action was a violation via FDCPA and FCRA for not giving me a  5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The credit card I am submitting a complaint about is my  Southwest Rapid Rewards Visa administered through Chase Bank. I appli ed for the visa card in  XXXX     2017 unde r the promotional offer of  XXXX  rapid reward points for spending {$1000.00} within the first  three  months of receiving the visa card. I fulfilled this contingency. After noticing I had not received the points, I contacted the  Southwest Rapid Rewards program to inquire about the points. They referred me to Chase since they administer the Rapid Rewards Visa.  On  XXXX   XXXX ,  2017 I contact ed Chase to inquire about the points. I was told by the Customer Service Representative that the promotional offer listed on my account was for  XXXX  rapid reward points and a {$200.00} statement credit. I explained to the her that I signed up for the  XXXX  points promotional offer through the link posted on the   Southwest Airlines   page. She then stated they would change it back to the  XXXX  points promotional offer and that they would have to bill my visa card for the {$200.00} statement credit they had given me and would then give me  XXXX  points since they had already given me  XXXX  points. I agreed and stated I understood this. She stated I would receive a letter outlining this information i n 2-3 weeks and the points would be added to my account within 2-3 we eks. After I did not receive the points or the letter, I contacted Chase again on  XXXX   XXXX ,    2017  and was told I would receive the letter as it was recently mailed. I received a letter from Chase bank dated  XXXX   XXXX ,    2017 on   XXXX   XXXX ,    2017  informing me that I signed up for the {$200.00} statement credit and the  XXXX  points promotional offer and that since it was beyond 90 days of opening my account, no changes could be made. I called Chase on  XXXX   XXXX ,    2017  and asked to speak with a supervisor. I spoke with  XXXX , the supervisor on duty, and explained to him what had transpired and explained to him my issues.  1 )  I signed up for the  XXXX  points promotion through the link on th e Southwest Airlines and n ot the  XXXX  points promotion.  2 ) T he representative I spoke with on  XXXX   XXXX ,  2017 assured  me the changes would be made . 3 ) I h ad no way of knowing there was a 90 day expiration for changing promotions because I was not aware that I had received the incorrect promotional offer until I called Chase on  XXXX   XXXX ,    2017. He  stated Chase would not make a change to the promotional offer I received. I informed him I suspected they are engaging in bait and switch tactics and that I would be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I bought another  XXXX  in  XXXX  anticipating the  XXXX  (  XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

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 2017-05-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

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 2017-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
MACYS CREDIT CARD - On  XXXX / XXXX / 2017  - Called in to close card. Transferred to " consumer agency department '' without any explanation. Once requested the reason the rep became irritate, and refused any explanation. Is this just a way to make closing the account harder more difficult? Fraudsters typically do n't close accounts. Also, by law should n't there be some verbal dis-closer explaining that additional information will be asked and why? Very unsafe in this day and age > shame on you Macys.

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 2017-05-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The information on the entry for th e Chase a ccount is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00}  Balance Due of {$0.00} ( " - '' ) a nd  Past Due of {$0.00} " - '' ). The " Status Updated ' ' date reflected a date of  XX/XX/XXXX . I also received a  XXXX  in  XX/XX/XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XX/XX/XXXX    I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by  Chase to reflect an older " Status Updated  '' date of  XX/XX/XXXX . In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score also dro pped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date ''  changed from   XX/XX/XXXX  with the correct information to a " Status Updated '' date of  XX/XX/XXXX  with INCORRECT inform ation. However, this dispute to  XXXX  resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting agency (    XXXX   for resolution ) I sent another dispute to  XXXX  with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XX/XX/XXXX  but got the same result. No correction updates to my   XXXX    report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this Chase entry either deleted or updated back to    XXXX     out balances and past due amount. This entry is now  one month from being 6 years old and had been reflecting positively with a Paid Status, w as charge off and  XXXX  past due for 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
O n two occasions within the past 14 months , I have had  XXXX  Collection Companies file default notices with   XXXX   Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors.    *   XXXX   XXXX   XXXX  based in   XXXX    TX  :  XX/XX/XXXX  Filed directly to   XXXX    on behalf of   XXXX    XXXX   XXXX .  XXXX   XXXX  broke down the basic claim into  XXXX  separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked.   * Cascade Capital LLC : Recently starting in  XX/XX/XXXX  and indirectly for the past  5   months has been harassed me as Creditor on behalf of  XXXX   XXXX  Hospital for {$360.00}.  Cascade Capital  evidently owns many  Credit Collections  Agencies. First contact was from  XXXX   XXXX   XXXX   XXXX   XXXX   , PA ,  who failed to contact me in any way before filing their claim against me with  XXXX   .  They never responded to my letters of  XX/XX/XXXX  and  XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  IN.   Finally, the link back to  Cascade Capital  was obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
During a review of my annual credit report in   XXXX   XXXX   I found an account for  XXXX   XXXX . I do not have, nor have I ever had a satellite service and I have never done business with  XXXX   XXXX . I contacted the credit reporting company to file a dispute but they report their investigation is complete and the account is valid. In   XXXX   XXXX   I contacted  XXXX   XXXX  directly and asked for proof of the validity of my account ; however, they refused to speak to me stating that the account has gone to collections and I must contact the collections company. In  XXXX  of  XXXX  I contacted a company called   XXXX   XXXX   XXXX   and requested proof of my debt but all they provided me with is a cover letter stating " the debt is valid, attached is verification of the debt '' and a past date bill from   XXXX   XXXX   XXXX   for an account with my name but at an address I have never lived at, nor been associated with. They are incapable of providing proof that this debt is mine but they are unwilling to remove it from my credit report.

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 2017-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC.
State: PA

Complaint narrative:
I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.

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