vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Bluebird my American Express I dined at a restaurant after a company function. After I noticed there were XXXX charges on my account, XXXX for the restaurant and another XXXX. charge that I did not authorize. After XXXX days it was on hold and I contacted American Express. They stated it was a hotel and the policy was to hold it for XXXX days. I explained it was not at a hotel it was at a restaurant in the mall at XXXX place in XXXX. I contacted the restaurant and they stated it the charges cleared and the file charge is just a hold and should have fallen off. They gave me the authorization codes to give American Express to clear them. After talking on American express they refused to do anything about it stating the system is automated and there is no way to clear the charges. They refused to do anything to assist even after providing the authorization codes and even still after the hotel said they should not have a hold on the funds. They person on the phone continued on stating that even though I did not authorize the charge, because they have my credit card number, they are freely at will to process charges against my card with no authorization and the fraud department ca n't clear them because I did give them my card at some point. Neither the restaurant, nor American Express state they will A : Authorize charges without the consumers authorization, and B : Will hold excess funds for XXXX for dining at a restaurant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX XXXX XXXX card that I use for business purchases/expenses. XXXX of the main reasons I use this card is because I can defer the payment for 60 days. Over last few months because business being slow and other reasons my credit utilization debt/credit ratio changed. In the mean time an executive from XXXX visited me at the office and actively encouraged me to use the card more and was told verbally that he would see to it that my line can be bumped up significantly to XXXX. After next few days I get notified that my credit limit was reduced to {$31000.00}, and future charges were being refused. I have always used the deferred payment to manage my cash flow. My card payments were according to the terms that were promised, I do n't mind if they reduced my credit line ... but I just saw that they have deemed my account past due and in a suprise move taken away the deferred pay option. They want me to pay all balance by XXXX XXXX, which I believe is not correct. I wanted some XXXX to contact them on my behalf and resolve this before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: MS

Complaint narrative:
Midland Funding had attempted to collect money on a debt that I did not owe. Charges were put onto my account that did not belong to me. I asked Midland to provide me with documentation that I received the services for the debt owed. Midland did not provide that information. They filed a lawsuit in court agaisnt me but never showed up for court. The Judge dismissed the case. They are still trying to collect the debt and will not remove the negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express informed me of a {$1.00} transaction on my card by XXXX Advertising. The Amex rep said XXXX seemed to be testing the card to make certain it was good. Amex let me change my card #. My complaint concerns XXXX Ads. I never gave it my card info. Someone did. What right to they have to be checking my card balance? How did XXXX get the card number?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: TX

Complaint narrative:
Billed for $ XXXX but upon request received verification for only {$82.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I XXXX. I received a call from Trans World Systems XXXX at approximately XXXX on XX/XX/XXXX. They asked for a specific person, who I did not know and never heard of and I told them this was a business and I knew of no such person. She proceeded to tell me I was being recorded and did I know this person and this was not a business it was a personal phone number. This person needs to be fired as this company obviously does not know the rules. I always answer XXXX XXXX XXXX. The club has no debt and no employees. This is a very aggressive individual who does not listen. I do not need this company calling a business while I have customers. I want her fired for failure to listen. 

If someone tells her they called a business, she should listen and she should not try to press forward with obnoxious questions about someone I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
XX/XX/2016 XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX, XXXX XXXX Re : Acct # XXXX X To Whom It May Concern : This letter is regarding account # XXXX X, which you claim MY ACCOUNT WAS CHARGED OFF {$13000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter i sent to santander. they have not responded. They failed to send the document requested according to the above letter. i am hereby requesting they delete any negative report from all XXXX credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Hello, I had a loan with RoadLoans in XX/XX/XXXX, repoed in XX/XX/XXXX. RoadLoans was bought by Santander in XX/XX/XXXX. I filed bankruptcy XXXX discharged in XX/XX/XXXX. Case # XXXX. RoadLoans and Santander is part of my filing. 

RoadLoans and Santander take turns appearing in my credit reports as late payments. I have called them. I sent a certified letter telling them to stop and comply with a federal order. 

I am applying for a FHA ( possible USDA ) loan. I have to write a letter explaining my late payments with my student loan and bankruptcy. Apparently RoadLoans/Santander appeared again on my credit report as unpaid. 

I am asking for assistance in this matter. 

Respectfully Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Green Square Company LLC.
State: TX

Complaint narrative:
I have received multiple calls from this collection agency for someone else. I 've told the representative repeatedly that they have the wrong number. The rep continues to argue with about this being the first time that they 've called. 

Today the same thing happened only this time I was called a XXXX by the collection agency representative. I hung up the phone and called back and spoke with a supervisor. I was told that the they listened to the call and the rep would be reprimanded and my phone number would be removed from the call list.

Company response to consumer: Closed
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: IL

Complaint narrative:
I have had fraud issues with my loan including receiving letters from companies with incorrect loan balances, wrong contact phone number to contact them, wrong address to contact them, and servicer information listed on the national student loan data base listed as banks that are no longer in business. I have also been given addresses of closed banks as my servicer. I was even told that no one knows where my loans currently are held by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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:
Santander came today to Reposes my XXXX after months of trying to renegotiate my 37 % predatory loan now they want to Reposes my XXXX i need help so i want the XXXX banks mortgage relief center and his team of law firms to audit the car loan and see if it hassecuritized in XXXX of those Asset backed securities

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I XXXX XXXX believes that the credit reporting system works. There is a rule that is part of the Fair Credit Reporting Act known as the 7-year rule on reporting of a negative tradeline. My account with Santander was satisfied several years ago, and I believe that I am entitled to know when the definitive date is when the item comes off all respective credit bureaus. My credit bureau shows the first 30-day late XXXX XXXX, but I believe that I was at least 30-days late twice during fiscal year XXXX. That would mean that the credit tradeline should be removed immediately. Accordingly, I respectfully request a summary statement of each payment ever made by me to Santander since the XXXX XXXX procurement date of debt. Upon such a summary, Santander will see that the deletion timeline has long passed and that the account should be deleted from every pertinent credit bureau pertaining to XXXX XXXX. This credit tradeline must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Santander is reporting a profit and loss on my credit report for something that they repossessed and resold but I am being charged for the entire amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander sent me a letter dated XXXX advising me credits of {$910.00} and {$1600.00} would be applied to my car loan account. Despite evidence of payments sent to Santander from the XXXX and a request to have the payments applied, Santander has never provided payment history evidencing those payments were applied. My car loan was paid in full on XXXX/XXXX/XXXX. The reason given no to provide the payment history is I am being represented by legal counsel. This is an inaccurate statement as XXXX/XXXX/XXXX and it is no reason to deny my request for payment history. Initial attempt was a certified letter sent on XXXX XXXX, XXXX of which I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Green Square Company LLC.
State: TX

Complaint narrative:
I have received phone calls from Premier Recovery Group ( XXXX ) XXXX at my place of employment. The first time it was an extremely rude gentleman on the phone who I kindly requested to not call my place of employment. He stated " that does n't work for him '' and continued to harass me about when I would pay him so I had to hang-up. A few days later I received a call from the same company while at work, but this time it was a woman stating she was told by her coworker that I wanted her to call me back while I was working so I could give her my information to give her money. I told the woman that was false and asked her to please not call me at work - she continued to get increasingly harassing so once again I had to hang-up. The same woman called right back to my place of employment and proceeded to tell my coworker who answered the phone that she is sending paperwork to garnish my wages from my paycheck because I wo n't pay her and asked my coworker for the office fax number. I have asked Premier Recovery Group on multiple occasions to not call my work and now they are telling my coworkers I owe debts and they are going to garnish my wages. My boss caught wind of what was going on and now he wants to know why somebody is repeatedly calling the office and threatening to garnish my wages. Premier Recovery Group has crossed the line in several different ways. Premier Recovery Group CAN NOT disclose personal information to my coworkers about personal debt or say they are going to garnish my wages nor can they continue to call a professional business when they have been told not to contact me at my place of employment more than once.

Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I bought my vehicle and ever since the second day of owning my vehicle there has been nothing but problems. The dealership and the bank does not want to help me out at all. Now I 'm stuck paying $ XXXX for a paper weight that 's been in and out of the shop about 11 times since I purchased it on XXXX/XXXX/2016

Company response to consumer: Closed with explanation