vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
XXXX has discussed details of my account with a third party, whom I listed as a reference. They have gone as far as sending a billing statement to this individual addressed to their name.The payment stub had my name on it but was addressed to my reference, whom is not a co-signor of the loan nor are they my spouse. I understand the laws differ in regards to collection practices and what stage of collections an account might be at. I also am well aware of privacy policies and what was stated in the contract that I signed. Regardless of the verbage, in the contract, information about the account to anyoneother than the borrower, their spouse, or a co-signor is not permited. The law is what holds precedence. Please correct me if I 'm wrong.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
The issuing company, USAA, phoned me and told me the XXXX credit cards I had with them had been compromised & that they would have to issue new ones. OK, an inconvenience but not a problem. I have been a customer of USAA for 54 years. I asked if they could expedite shipment of at least XXXX of the cards since I do use them ( or have been able to use them 'til now ). They said OK, & in a couple of days ( after I had destroyed the old cards as directed ) XXXX new card arrived at my house. I followed instructions to activate it and the voice mail then told me it was ready to use. I later tried to make some small online purchases ( USAA has a record of them! ) with the new card and USAA bank refused to honor it ; the purchase was declined. I called USAA several times, talked to several of their stooges there, all of whom assured that the card was NOW correctly activated, bur when I try to use it the order was declined. I was finally able to place a small order using a credit card from another bank with no problem. In addition the second card that USAA was supposed to send me was returned to them by XXXX. USAA refused to tell me why. I am so far ahead on payments to both USAA credit cards that the minimum payment most of the time is XXXX, so I 'm not behind. I have USAA tracking numbers to prove it. Either their software is screwed up or, since I 'm an old guy, they 'd like to get rid of me after I 've given them 54 years of business, or their war hero CEO who does n't have the guts to put a street address instead of a PO box anywhere that I can find on the USAA website, so that I can mail him a personal, certified, return receipt requested, deliver to addressee only letter, has now hired XXXX, XXXX and XXXX for agents. I call them, they tell me the issue 's fixed, I try to use the card, and the purchase is turned down, and they will not tell me why the XXXX card has been returned to USAA, and at the very last call ( a day ago ) the latest agent ( a woman ) said I 'd have to call ahead of time and get permission from Mommy at USAA before I could use the card that I do have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
The collector name is Diversified Consultants Inc and it stated that is is originally from XXXX. I paid in full before requesting disconnection since we are switching to new company and the amount they attempt to collect is bill statement after disconnection. I called XXXX several times and the main office confirmed that I have no balance to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC
State: OR

Complaint narrative:
CDR called my place of employment at the phone # listed above on XXXX/XXXX/2015. Told them not to call me at work. CDR called again on XXXX/XXXX/2015. On XXXX/XXXX/2015 they were told once again that they were not to call at my place of employment. They called again today XXXX/XXXX/2015 and when they were told that they were not to call at work, they hung up the phone without saying anything. I have phone records showing the incoming and outgoing phone calls. They have been told 3 times now not to call at work and they continue to call and are now hanging up when the phone is answered. I am attaching a copy of the phone record showing their calls and the return calls to them telling them not to call work and to send something in writing. Today 's call will not show because I answered it and they hung up on me. The other calls they left voicemail on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise? 
Thank you for any help you can offer. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Someone called me and said that I had leftover scholarship money. They had all of my prominent information. They just needed my bank account information. I just moved from XXXX to XXXX and my old bank is not local here so my dad opened an account for me with USAA. I was going to switch my banking from XXXX to USAA. But they did deposit and now my account is negative around {$4800.00}. They closed my account out but I need help finding out who these people are and where this money came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On Thursday XXXX XXXX, 2016, I deposited XXXX into my new checking account and it was immediately placed on hold. I called in XXXX XXXX and they told me the account was put under review. I have rent to pay, car insurance and so many other bills that have racked up in late fees. Its been 2 weeks now and my account is forever under review. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and every day I call in a new review has been put on the account. Then when I call in they say the check has been approved but yet the account is in credit only status.Its a payroll check and I need for them to let it go. It 's ridiculous how much of a bind they put me in. I want compensation for late payments that they have put on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Usaa. Debt collection tactics with XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: Kriya Capital, LLC
State: PA

Complaint narrative:
I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. 
I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. 

The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. 

Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I am a member at XXXX ( XXXX ). At XXXX I have an XXXX credit card. This card had a promotion going through XXXX XXXX, 2016, to make five purchases, each & gt ; {$25.00} to get a {$10.00} bonus credit to the account. I complied with terms, and XXXX agrees. XXXX has not complied, and they acknowledge so. This bonus is a marketing promotion, a small amount for each customer ; however, there is a disclosure/compliance issue now, many XXXX customers in Massachusetts, where I live, and across the US, may be also affected -- possibly all who have XXXX cards there. XXXX has not credited the bonus as required, and despite my calls escalating to their executive resolution team on three occasions. At each level XXXX acknowledges fault, promises a resolution, but does not call back in the promised timeframe. Since many XXXX XXXX card customers may be affected similarly, I ask that you follow up with an inquiry there. I am asking XXXX to cooperate with you on my XXXX account and provide info to you as necessary. To summarize, the issue concerns XXXX noncompliance with its bonus offer on the XXXX card during XXXX, 2016. I have also filed with the Massachusetts Attorney General and XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
I submitted XXXX transfers to RIA Financial Services totaling {$3300.00} to my friend in XXXX, recipient of previous transfers from me. RIA Financial Services called to ask if I was XXXX. I refused to answer, because any acceptance or denial of service on their part based on my ethnicity or national origin would be per se discriminatory. RIA subsequently cancelled my my XXXX transfers, using as justification the fact that I was n't XXXX, and they only work with " family assistance. '' I am complaining that I was discriminated against due to my race, ethnicity and family origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
Here 's the case : I called XXXX XXXX to settle the debt. XXXX XXXX was the person whom I spoke to. I stated I am calling to pay the debt only if it will be removed from my XXXX and XXXX credit report. XXXX XXXX said that once the payment was made Diversified Consultants will be removed from my XXXX and XXXX credit reports in 30-35 days. I made payment of account in full with this good faith verbal agreement. 30 days came and went. I checked my credit report and Diversified Consultants still remained on XXXX and XXXX credit reports. I called XXXX XXXX back and he transferred me to XXXX XXXX who sent the attached letter. 

I called Diversified Consultants again and spoke to XXXX XXXX and he told me in a rude, disrespectful and harsh tone of voice that Diversified Consultants will not be removed from my XXXX and XXXX credit reports. Needless to say, I was and still am LIVID!!!! 

I called XXXX back in 40 days and again 45 days and Diversified Consultants and was told by a XXXX rep in the complaints that XXXX would be remove Diversified Consultants from XXXX and XXXX Credit Reports. I check credit report again XXXX XXXX, 2015 which is precisely 45 days after payment was made and Diversified Consultants still remains on the reports. 

I spoke to XXXX XXXX ( XXXX ) - again on XXXX XXXX, 2015 and he told me that Diversified Consultants will not submit a letter of removal for this account from my XXXX and XXXX credit report and this account will not be removed. 

The tactic XXXX XXXX used to STEAL my money is FRAUD. This is bad for XXXX business and I will never, ever, ever return to XXXX for any service of any kind and I would NOT RECOMMEND XXXX to anyone because of the FRUSTRATION and LIES I received about this PAID account. 

Attached is the letter I received with no mention that account will be removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I bought an American Express gift card at XXXX drug store in NY. I paid {$120.00} for the gift card. When my friend tried to use it the gift card did not have any money on it. I called American Express, they told me that the gift card was never funded at all. I went to the store about the problem, the store XXXX did not help me at all, and he gave me XXXX customer support phone number. I called more than 3 times asking for a duplicate receipt. XXXX rep. told me that he found my duplicate receipt and later sent me a receipt. However, it was a totally wrong receipt. It was not a gift card purchase for {$120.00}. This is a fraud case. I need your help. I tried to resolve this issue with XXXX however XXXX did not care about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland fiance company contacted my brother and gave him my debt amount and last XXXX digits of my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 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: PA

Complaint narrative:
I was contacted by Midland Credit Management XXXX Inc. out of California on a debt that has passed the 7 year Pennsylvania statute BUT I do not owe this debt ( see letter ). Because I DID NOT receive the service but DID receive the XXXX XXXX little white phone jack attachments in a box in the mail I DID try to resolve the issue with them for a sum of {$50.00} as I read the internet and saw they were leaches and thought sending them something would resolve the issue. Unfortunately, they said I 'm not " working with them '' to resolve the issue EVEN THOUGH they ca n't provide me proof that any SERVICE was ACTUALLY provided ( which it was n't ) since my wall phone jacks were not compatible with their little white things ( whatever they are called ). Please help resolve this issue, MIDLAND wo n't provide me with definite proof that I owe any money whatsoever. All they send me is their " reference material '' telling me that is the PROOF. Their " reference material '' is NOT what I asked for but they wo n't send me the proof I want because they evidentally do n't have ANY proof. They also ask ME for proof that I do n't owe money. If I never had the service, HOW can I provide any proof? It is a vicious circle. I think they feel I will get sick of them sending me letters and pay them which I wo n't. I decided I wo n't pay any money for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MCM, Inc has made numerous illegal attempts to collect a closed XXXX XXXX account. XXXX XXXX sent me a letter stating that MCM was never authorized to collect this closed account. this is criminal activity. pursuant to the FCRA MCM is legally bound to compensate me for the harm they created. due to MCM 's false collection reporting I have suffered the following : -unable to obtain better employment - unable to obtain a mortgage loan -unable to obtain an auto loan -unable to obtain student loans for my XXXX children -unable to obtain a loan for my husband 's direly needed XXXX surgery - I have suffered XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 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: WA

Complaint narrative:
Midland credit management L.L.C continues to report a collection account on my XXXX credit report even though the original creditor has removed the charge off from my account. I disputed the account " does not belong to me '' and was deleted from XXXX XXXX. I have never received any form of verification from midland funding regarding this open collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express is not honoring the welcome bonus offer that they keep sending me. I was approved for the card but they are not honoring the bonus that was offered for opening the card and spending a certain amount. I met the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
My complaint is against Transworld Systems Inc. For unfair and deceptive credit collection practices. I paid a collection item for {$100.00} on XX/XX/2017 which I did not know I had until I recently checked my credit report. I still dispute the item, however to close on my mortgage I decided to pay it as long as Transworld would get me a paid receipt. Transworld said at the time they could e-mail me a paid receipt upon my payment. I paid them via my debit card, and as off today they have not delivered me a paid receipt. I believe they tricked me into paying something and did not follow through on their end. Now I may not be able to close on my mortgage. this has caused much more drama than necessary for a small item I dispute. I believe they have a responsibility to do what they say they will do to help the consumer, especially one that is paying them.

Company response to consumer: Closed with explanation