vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express Collections ( XXXX ) called me attempting to reach my mother in law about a debt. I have never had any debts with her, and the number they called is my business cell phone. I do n't use it for personal matters. They were rude and kept insisting I give them her phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding is attempting to collect a debt that originated from XXXX who verified that I was part of the FCC settlement that XXXX agreed to settle allegations of billing customers XXXX of dollars in unauthorized XXXX-party subscriptions and premium text message services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My ex-wife received a credit card from American Express that was previously removed from my account. My ex-wife used the card thinking it was her card from her own account. The debt went on my account. American Express started removing the expenditures from my account but then stopped and started charging me. My ex-wife has stated to American Express that she will pay the charges. American Express has not collected from my ex-wife and is trying to collect from me even though they are not my charges and American Express has all the information needed to contact my ex-wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: TN

Complaint narrative:
My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! 

POOR Customer Service!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I was told by Social Security that the XXXX had put in a request to take {$160.00} from my check. They told me to contact the XXXX. When I called them I was referred to Transworld System , Inc. In speaking to them 2 months before the deduction was suppose to take place. I told them I needed to make arrangement to pay my student loan at a lower rate because I was not working anymore and I was now on Social Security and I could not afford for them to take this {$160.00} because it would be a hardship for me because I was on a fixed income and I was a senior. They told me if I went into their program for the Student loan, this will stop them from taking money. I signed all the papers to go into the program for 9months. They would take {$5.00} a month for 9 months and I would move out of default status and continue paying the loan until its paid off. This was not true. Not only did they take the {$160.00} they also took the {$5.00} from my account which I signed up for. This is causeing me a hardship because now I am short on paying my rent because. I still have co-pays for my XXXX medicine because I am XXXX. This was the purpose of me going into the program to avoid this situation. They told me this would prevent this from happening. The company is very unprofessional because I have called them left messages and they never call you back. You have to keep calling them and every time you reach them a different person answer the phone and they always come up with some other documents needed. I 've called several times and they have told me that my counselor XXXX XXXX XXXX is not in, but they will get the documents to him. This is very unfair to anyone and more less a senior. What was the purpose of getting involved in this program? If this was going to happen, maybe I could have research a way to speak with Student Loan Department. Transworld said they were working on behalf of the XXXX Student Loan Education.I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt is not mine. First, Midland Funding LLC tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I first sent Asset Acceptance a letter in order for them to verify the debt owed and they responded, however the account was past the SOL. 

Since their response, We had agreed to settle the debt in exchange that they will remove the following account from my credit report. However they have not complied with the agreement, and the account remains open and reported as unpaid. I have paid them, and they are saying that it will take __ amount of days to receive a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have received muliple solicitation type mailings from multiple companies about " possibly '' being sued then this company called me and used threatening tone and verbage about pending litigation. I checked with my county of residence and learned there is nothing filed so the rep was not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Four years ago I entered into a forbearance for my HSBC mortgage. Worst thing I could have done. I was unemployed and it did a job on my credit. I pay {$1000.00} per month. Only XXXX dollars goes to principal. In 8 years I pad off less than XXXX. dollars. Now finally on my feet financially and they charge me XXXX prepayment penalty plus {$750.00} PMI for a close out. How can they charge me {$750.00} for PMI on a close out. That makes my close out XXXX which is more than my original mortgage in 2007. Something is wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have sent a debt verification for a cell phone line of XXXX who sold the alleged debt to a debt collector. I sent a debt verification letter to both XXXX & the debt collector, and received a return to sender from the debt collector and no response from XXXX six weeks ago. I would like this debt to be removed because XXXX companies have been unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express Company is restricting the bonus point I earned via their program. 
I earned bonus points by using the American Express 's credit card and wanted to use the point for my travel. 
However, American Express Company is restricting my use ; I am told that they need to do special review. 
This restriction was not indicated in original terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I have an unverified account from HSBC BANK NEVADA. I had previously disputed this account. I have never done business with HSBC BANK NEVADA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HSBC BANK NEVADA provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HSBC BANK NEVADA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: NC

Complaint narrative:
I have asked numerous times for help from Sallie Mae and continuously they have done nothing but offer forbearance I finally caught back up and again ended up falling behind. Today I received a call from their corprate bank asking to help resolve the issue. After several times of being cut off from speak the lady only repeated that they have given me the loan and now I need to pay them back. When I ask for options and help she instead of offering help from the company told me to ask my friends and family for money and told me to try filing for wellfare and food stamps. They refuse to offer me anything because my loan is so small. And said all they could do is come down a dollar on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I had to co-sign for my son 's Sallie Mae loan for his senior year of college. According to my MSA, ( Marital settlement agreement ), my ex husband is responsible for XXXX of ALL college expenses, and student loans were NOT to be in the children 's names. I also have a court order ( XXXX XXXX, 2016 ) in which orders the loans to be transferred into HIS name. I have spoken to Sallie Mae, and they refuse to transfer ownership of the loan. Please advise how to proceed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
Missing funds from XXXX XXXX/2016 from job t account they said one person pulled all the money out without theothers on the account XXXX.want the documents to prove the money was withdraw money returned held moneyfrom account for an over payment on mothersdeceased ssi

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 2016-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
My husband and I ( We are elderly, both XXXX, and often the victim of scams ) keep getting letters from Deville Asset Management LTD that they owe XXXX that does not explain what it 's for, but demanding payment. We have no idea what it is but are very concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I told this company to stop calling me. They have called me over and over and even my employer. This company has even went to the point of calling me where it shows up as unknown on my cellphone. It is starting to be annoying and I feel like I 'm being harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Coast to Coast Financial Solutions, Inc.
State: NC

Complaint narrative:
someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
In 2012 it was time for me to begin repaying my federal student loans. I was pregnant with my second child and due to health complications I was unable to work, therefore paying my student loans were impossible. The college that I had been attending told me that I could apply for forbearance due to a " financial hardship ''. I contacted FedLoan Servicing, which is the company that is servicing my loans and I applied for a forbearance. After a few days I received a phone call, as well as a letter in the mail stating that my forbearance request had been approved for the dates of XXXX/XXXX/2012 - XXXX/XXXX/2012. I spoke with a representative over the phone and asked her to explain the forbearance terms and she explained that because my forbearance was approved for those dates and there would n't be an data reported to my credit report. XX/XX/2012, FedLoan Servicing reported to my credit report that I was " 30 & 60 days late '' on my monthly payment. They reported this on both of my student loans. I was never late because I had applied for financial hardship. The XXXX late pay entries are holding me back from being able to qualify for a home loan and I was not at fault. I have tried disputing the incorrect information but have gotten no where. I would like to have these Items updated to the correct information. Please delete the 30 & 60 day late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH

Complaint narrative:
I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.

Company response to consumer: Closed
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
I traded my Ford Focus in a dealership in XXXX tx called XXXX for XXXX $ credit tears my new car loan. That car loan was supposed to be for a jeep commander 4x4 sport year XXXX. I asked were is the 4x4 switch on the car. I was informed by XXXX that it was automatic. Come to find out 4 months later even though it had the 4x4 symbol on the back and the contract said it was a 4x4 sport it was not at all it was just a basic jeep commander. When I contacted the finance company they blamed the dealership but acknowledged it was a invalid contract and I asked them if I surrendered it would I owe anything they said no. By the contract saying it was a 4x4 sport it made it cost XXXX more. I looked at my credit 2 days ag and they said on my credit I owe the finance company XXXX dollars. If this is an invalid contract and it says something completely different than I bought I do n't feel I should lose the money I traded my car in do the four payments I made and also owe XXXX $ to the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
My husband purchased a ring for me on XXXX XXXX for my birthday. After a few days of thinking about it we XXXX decided we did not care for the band very much. So we went into Jared again on XXXX XXXX, we looked and found another band and paid more money for the different ring. They said they were able to exchange the whole item no problem. Then on XXXX XXXX, I went into the store and explained to them that we no longer wanted the ring we purchased and would like to return the item and keep our line of credit but return the item. The employee when we made our first exchange never explained to us that the diamond had 30 days to return and we assumed that that was from XXXX XXXX and they said it was from XXXX XXXX so we had passed the date by 2 days. We were never told that information until XXXX XXXX when we decided to wait on the purchase and buy at a later time. We contacted customer service on XXXX XXXX and explained the situation and when they pulled up the transactions not all the number even added up to her. They were off and she was even confused and had to ask another worker to help her figure out the situation. After speaking with her she said there was nothing they could do to help us return the entire purchase. So we decided to call the jewelry store today and say you know what go ahead and give us our ring and diamond back we will just keep it and forget we ever returned it. The employee said no problem and said it would be ready in a few hours. All of a sudden my husband receives a phone call that now we need to pay Jared another {$200.00} in order to pick up the ring again. Which makes no sense at all if no changes were made to it at all we are just picking up our merchandise again. We feel so taken advantage of by this jewelry store they have not explained things correctly several times and all their number from the transactions see To be off and now they are asking for more and more money which makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
Previous CFPB compliant XXXX. 
NCTUE claimed to have mailed consumer report on XXXX/XXXX/15. 
No consumer report was ever received.

Company response to consumer: Closed with non-monetary relief