vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ULRS, Inc.
State: CA

Complaint narrative:
My husband had a tenant he turned over to collections thru XXXX. The tenant then filed a lawsuit against XXXX us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect 3 times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send one letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX, which is also threatening to damage our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX CFPB # account XXXX Date XXXX/XXXX/XXXX Dear TransUnion Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. PLEASE PROVIDE THE PROOF AS REQUIRED BY LAW. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX 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 2015-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Express Aviation
State: TX

Complaint narrative:
My school, XXXX XXXX XXXX of XXXX XXXX, Tx filed for bankruptcy after going to court for an abrupt closure due to mishandling of student funds. Court is in process for the school closure. But due to this I have been left with a loan on my name that I need help clearing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing account number XXXX with Midland Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Midland Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Offer Bonus trap. Unfair Membership Reward Points deduction from American Express Company!!! 
It used to be a good company for American Express but not anymore. Here is the story. I have XXXX American Express XXXX XXXX XXXX Card which was applied on XXXX/XXXX/2016 due to a promotion offer to get XXXX Membership Reward points after spending {$3000.00} within 3 months. I quickly fulfilled the spending requirement by using the card a lot ( spent about $ XXXX in purchasing items within the promotion period ). So obviously I hit the line quickly and gained the bonus. However on XXXX/XXXX/2016 ( after 3 months ) I noticed that there was a deduction activity happened on my Reward Account that removed XXXX points silently without my attention. I was very confused where this activity came from and thought it was a fraud. So I quickly called the Amex customer service and tried to find out what happened. Surprisingly I was told that it was a decision from Amex after an internal review which I was n't aware of. I asked the reason why there was a review and the customer service explained that there was XXXX transaction on my account that was not qualified to get the bonus points and after the recalculation they decided to remove XXXX bonus points ( it is supposed to be XXXX points, please do a careful review also!! ) since I did n't hit the {$3000.00} threshold from their calculation. I explained it is supposed to be a mistake ( A big mistake )!!! I spent $ XXXX by using the card. The ineligible transaction was only about {$2500.00}. Even excluding that transaction I still should meet the spending requirement. So I further requested the customer service to review my account again since there is a question on the review. However I was told that they could n't help. The review is not allowed to be reopened since it has been done already even there is a mistake on it!!! What a stupid excuse it is!!! I just lost XXXX points because of a careless review which is unable to be fixed? That sounds NOT right to a premium customer and it is not a good service that a financial company is supposed to be having. I am paying {$470.00} premium a year for the product but could n't get any good quality services?? What a joke! The experience I had is totally a market phishing. I am feeling I am cheated and once you cheated your customer and do n't expect the trust anymore from them. I will quit and please do the right things at least and give my points back!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
suspended my account and stated the account would be activated in a few days but hasnt. i called the bank and the customer services person disconnected XXXX times after having waited XXXX mins each time. I have funds in the account but cant access via website. HSBC Premier customer service is awful. They need people who give a XXXX about servicing clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMEX will not release my membership points despite having earned the membership reward points 1 ) Through the advertised promotion 2 ) Through *other* card accounts held at AMEX despite other accounts having nothing to do with whatever random fraudulent checks AMEX has decide to impose on cardmembers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LTD Financial Services, L.P.
State: VA

Complaint narrative:
i XXXX XXXX submitted all account to XXXX including XXXX for paynment to XXXX now this company call ltd financial services limited partnership have being calling my phone and now they have sent a letter to my house if i do not contact them a judgment will be force .this is the phone number XXXX ask for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX. 

Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX. 

Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request. 

I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me. 

But to my surprise it was still reporting a negative account that it could not prove in court. 

In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies. 

Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I am a American Express Serve prepaid card holder. I used the cards Online Bill Pay feature to send my landlord a payment but, later that day he came to my home so, I paid him cash in hand. I then went into my online account to stop the payment and was not able to do so. I then contacted the customer service department who informed me that they had put in a dispute for the payment and that my money would be returned to my account within 3 business days. Today makes 5 business days and the customer service center just told me that the payment has NOT been stopped and, that I will get a E- Mail from their Disputes Department by the XX/XX/XXXX. They then also continued to inform me over a recorded line that they Do NOT have to abide by the same laws nor rules as a bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Fund This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XXXX/XXXX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with XXXX to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Midland Fund went unanswered within the specified time frame according to the FACT act ( XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & MIDLAND FUND with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( MIDLAND FUND claimed they sent documents to me on XXXX XXXX, XXXX, during a follow up phone call. Which is past the specified time frame regardless. Plus, I still have not received them. ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress in XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Prepaid card — Electronic Benefit Transfer / EBT card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an AMEX XXXX account and have had it for about 2 years. Approx 2 weeks ago, I requested a transfer of funds from my XXXX account, back into the account that was used to fund the XXXX Account, it is a XXXX Checking account. When I originally opened the Serve Account, AMEX requested that I " Verified '' the account that would be the source of funding for the Serve Account., I followed the procedure and the XXXX account was " Verified ''. After, 7 business days of waiting for my funds to be transferred into the XXXX Account, the " Verified '' funding source for my XXXX Card, I was instructed to go through the verification process again. I complied and it was completed this past Monday. Today is Wednesday XXXX XXXX, and the funds have still not been transferred. I 'm sure that AMEX delays these types of transfers to collect as much interest on these types of accounts as possible. This has been a horrible inconvenience and it should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I checked my credit score from an e-mail from XXXX XXXX. They made a recommendation to me to apply for the American Express Blue Cash Everyday card. I clicked on the link and was offered a {$250.00} cash back offer if I spent {$1000.00} in the first 90 days of having the card. I was approved and received the card. After I purchased the required {$1000.00} I use their chat window to confirm I had met the requirement. The chat representative said there was only a {$100.00} cash back offer on my account. After not getting anywhere I requested a Supervisor. I was told I had a Supervisor on the chat and explained the problem. She said I had n't met the requirement of spending {$1000.00} ( which I knew I did ) and I asked her if she saw the {$250.00} offer on my account, she said " maybe you did n't apply in time, '' I told her how I got to the offer and that I applied immediately right then on the site. She said " I 'll check into that. '' I said I have a screenshot of the offer, and suddenly she disconnected the chat. I searched XXXX for {$250.00} cash back offer from American Express and to my surprise there were numerous links talking about how the {$250.00} offer from Amex is hidden once you 've gone to the site. There were sites that explained that if you clear your browser history you might be able to see the original offer. Others said if you use Google Chrome Incognito you could see the offer again. Others still said if you clear your browser and try the link you may get it on the 2nd, 3rd, or 4th attempt if you cleared your browser history each time. I called Amex and asked for a Supervisor who said only the {$100.00} offer was on the account and I must have applied too late. I tried what those sites on the search and indeed came up, in addition to the {$100.00} offer a {$150.00} offer and have a screenshot of the {$250.00} offer. They ( Amex ) told me they would get back to me on XX/XX/XXXX. I received a call as promised and the woman said that I was declined to receive the {$250.00} offer. I told them I would file a complaint with you and the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 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: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Midlan D Funding. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation