vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. 

A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. 

Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They are repeatedly contacting my work phone number multiple times a day, almost every day. I have told them XXXX times that the person they are trying to reach no longer works here and has n't for 3 years. The calls may stop for a few days, but then start up again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I am in receipt of communications from a Law Firm Named XXXX, XXXX, XXXX, XXXX and XXXX XXXX. They are representing Midland Funding LLC. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
It has been its longest while since American Express has been refusing to comply with my request of replacing my card. American express has been notifies of my account being compromised and dispute charges mentioned. American express has denied to comply with my request nor did Amex replace my card. On top of all this, Amex has not yet resolved my issues with BlueBird Amex account. Their discriminative approach and racist actions are limitless. 
Appropriate proof will be provided upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have been dealing with Midland Credit Management over a debt. We agreed upon a XXXX month term of paying XXXX a month for XXXX months. I have paid for the XXXX months and when I called to verify with them they said I had to pay for XXXX months and that I still owe them. I requested a copy of the original settlement letter by email. They said they can not send that over email, I then asked for it to be mailed to my home address, they said they are only allowed to fax the letter. I informed them that I do not have a fax machine and they told me that they will not email, or mail me the letter because it violates federal laws. I am confused and I can not find my copy of the original settlement letter. I have paid the agreed upon amount and the agreed upon months and now I am hard pressed to pay XXXX more months with no justification except this company saying I have to. I also called on XXXX of 2015. At that time I spoke with a representative who told me that I would be done with all payments in XXXX of 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! XXXX!!!! Just because I wanted to dispute items? What does XXXX have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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: AZ

Complaint narrative:
Midland Credit sued me in XXXX County for debt my nephew, XXXX XXXX, defaulted on a credit card. I was not a cosigner on this account. This occurred in XXXX County Superior Court and XXXX XXXX Justice Court. I found this out because I am selling my home. Midland sued me in XXXX XXXX Justice Court and XXXX County Superior Court for the amount my nephew owes. Midland did this because I signed and beneficiary deed giving my home to my nephew after I die. That deed has been revoked. Midland had no right to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am writing to let you know of the " shady '' business practice by American Express. 

On XXXX I signed up for an American express gold card, in order to receive the miles. After receiving the cards in the mail, I was informed that since I was a previous card holder of American express ( 3 years ago ), I was n't eligible for the points. 

I requested that she close my cards, which she did immediately. Customer agent then informed me that since I did not qualify for the miles/ bonus, that also affected my card membership. Now, I was responsible for the XXXX $ annual fee. I am positive they bury any reference to this exception in fine print, and never at any point did they inform me of this exception. 
Furthermore, the customer service rep told me that my APR would be % 15, since I did n't qualify for the promotion, it was supposed to be XXXX. On top of that, they still allowed me to open the credit, without informing me until the credit card was open? 
Now, if I do not pay they will fine me and this blemish will hurt my credit. 

1 ) Is there no protection for the " common man ''? 
2 ) At what point does the ability of Big business to manipulate the common man become a form of racketeering? 
3 ) How much money is made touting these shady promotional offers? 

I XXXX, to come home to this kind of treatment? I am asking that you stop American Express from this fraudulent practice. 

Futhermore, I contacted my congressional office and they pointed me to CFPB. 
respectively XXXX XXXX XXXX American Express card #

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
AMEX would not/could not cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA
State: GA

Complaint narrative:
MOHELA does not allow payments to be made on accrued interest for existing loans if you continue to borrow. So you can not reduce the interest that will be owed on your loans when you graduate. This information is not clearly available anywhere on their website, and when attempting to pay off my accrued interest via phone, which is apparently the only way to direct payments, the representative assured me that my payment would be applied as directed. It was not until checking my account the following week that I was made aware of the error. Finally after calling another different representative they finally informed me that their rules did not allow my intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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 attended XXXX XXXX XXXX. The school shut down and filed for bankruptcy before I could finish the program and graduate. I was forced to take out private loans that I am being forced to pay even though I did not receive the education I signed up for. I am being forced to pay for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Debt was paid by my insurance company after an auto accident

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
I have no knowledge of this debt ; I never attended this college

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have been trying to get a name off a title and and do a title state change for 5 months. 
As of now it is still not finished. 
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
A debt collector sent text messages to everyone in my family including in-laws, stating that they were an " investigator '' along with a case number. The following was the actual text message : '' XXXX XXXX last name removed for privacy ], please call Investigator XXXX XXXX regarding case # XXXX number removed for privacy ] at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This creditor Santander is reporting a auto collection account I would like verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LCS FINANCIAL SERVICES CORPORATION
State: SC

Complaint narrative:
This is a debt that had past its statute of limitations years ago. It 's no longer on my credit report and was n't there even when I filed for personal bankruptcy in 2008. This company LCS financial called me and told me I owed tens of thousands of dollars and I needed to make a payment. The person on the phone then read me a disclosure at light speed and when I stated that I did n't understand what he said he said sorry to hear that. I told him I currently have no income, XXXX kids and no property so I was n't making any payment not to mention that I did n't understand the debt. The letter said I owed XXXX and the person on the phone said I owed XXXX loans totaling XXXX. I was then told that I had a phone so the whole XXXX kids no job 'excuse ' meant nothing to him. He finally marked it down as a refusal to pay. My husband then called back and talked to a supervisor and he was told that all the legal talk at light speed basically said that they knew the debt expired, they could n't take legal action and they could n't attach my credit report unless I made a payment. They were trying to trick me into hurting myself. It 's not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my credit card account with Citi in XX/XX/2016. They even issued a refund check for the membership fee. To my surprise, i got a call from collection agency today letting me know that i am past due on the account. I login to my citi account and see that i have interest fee charge, late fee for 2 cycle. How is it possible when i closed the account? The interest charged was dated XX/XX/XXXX. I dont even have my credit card number anymore because i already shredded the card XX/XX/<YYYY>. I closed the account because the unsatisfactory customer service i received from Citi. Mind you i had Citi prestige card for several years and paid {$450.00} annual fee.

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 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Scherr & McClure
State: FL

Complaint narrative:
I am being harrassed on Continuous calls troughtout the day, at least 3 x per day

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Green Square Company LLC.
State: TX

Complaint narrative:
The number XXXX called me today, a recorded voice representing Premier Recovery Group, stated my name, a file number and stated that collection attempts are being escalated. I have never heard of this company, this debt or this file number. I never received anything from this company via mail. 

There was also absolutely no statement of the call being an attempt to collect a debt. I have a recording of this call if needed.

Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I co-signed for a vehicle loan in 2014 for a friend. I was just informed today by Chrysler Capital that the car note is late 33 days and they have not been able to contact the co-owner of the vehicle. I want to know my rights as the Borrower. I want my name removed from this car loan asap to avoid my credit being badly affected. What can I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
Complaint is that New York Community Bank is NOT reporting mortgage payment information on XXXX mortgage holder, XXXX XXXX, CRA record and IS on the XXXX mortgage holder, XXXX XXXX, CRA record affecting XXXX mortgage holder credit rating since bankruptcy in 2007. NYCB has been notified repeatedly by USPS mail, certified email, email, phone, and attorney representative to correct this oversight to add payment history of mortgage status to XXXX XXXX 's CRA records. XXXX XXXX is an XXXX XXXX woman. XXXX XXXX is a XXXX XXXX woman. We have asked NYCB several times over several months to correct the information on XXXX XXXX 's CRA report. They acknowledge the submission of a reaffirmation agreement with NYCB, however, claims that the reaffirmation agreement was not filed with the court system, even though signed by the bank 's representative AND even though they have continued to submit a bill, have been paid continuously on time and have continuously reported good standing for XXXX XXXX on her CRA reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Green Square Company LLC.
State: IN

Complaint narrative:
1st I got a call from a place who said they were XXXX phone # XXXX they said they were filing charges against me for a payday loan that I did n't know anything about in XX/XX/XXXX-XX/XX/XXXX, I refused to pay told them it was n't my debt. I called my attorney because I filed bankruptcy XX/XX/XXXX My attorney said do not pay them because anything before XX/XX/XXXX would have been on filed on my bankruptcy. XX/XX/XXXX called me back I told them what my attorney told me. but they keep calling me back and threating me I finally gave in and paid them the money they took out {$190.00} a month for 4 monthsXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA XXXX XXXX {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- $ XXXXXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX XXXX {$190.00} Now have a place called TAG phone # XXXX XXXX calling and threating me on the same debt I Demanded the person give me her name, company name, and address. and I Demanded that they send me a debt validation letter by US mail. and she hung up on me, I then called back and talked to some one else I Then told him somebody else called me about the same debt and they threated me until I paid I told him that I was going to Call The F T C and he hung up on me

Company response to consumer: Closed
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This agency will not validate this account I would like to obtain the initial signed contract, full billing, payment, applied etc on this account. I requested prior and nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
XXXX/XXXX/2016 while looking at cars on a XXXX lot was encouraged by salesman to apply for car loan while unemployed and anticipating job offer. Offered deal, made down payment pending job acceptance and received truck. Next day advised salesman job offer not made needed to return truck. Received immediate credit denials from major financials XXXX, XXXX, XXXX. Upon contact was originally told by salesman could return truck but needed to speak with sales manager who was out til the following week. Received the run around when trying to contact sales manager on XXXX/XXXX/16 by woman in sales office would need to make XXXX car payments and they 'd allow me to trade out. Unacceptable with no job. Following 2 week runaround truck returned to dealership and has remained at dealership. Received a statement from Santander Consumer Financial that they processed a loan for truck.

Company response to consumer: Closed with explanation