vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express gift card for {$500.00} back in XXXX 2016. I opened the package on XXXX XXXX, 2016 and checked the balance online at XXXX, to find XXXX charges were made on XXXX and XXXX. I contacted AmEx to dispute the charges, and though they asked me for a particular lot number on the package, they still maintained they ca n't dispute the charges as they have a blanket policy of treating all gift cards as cash. They advised me to report the card stolen and have it replaced by them via mail within 10 business days for the remaining balance. They also suggested I contact the merchants to dispute the XXXX charge that was still pending. The pending charge was reported to AmEx as a physically swiped transaction, which could n't be possible unless XXXX cards exist with the same credit card number. 

I am quite certain that, as a consumer end product, the lot number on the packaging, which does n't correspond to the account number, is a unique identifier and, therefore, bound to all transactions that are physical/swiped. They asked for that information, but it did not help with the fraudulent transactions. It was only used to confirm the physical package, though I 'm familiar enough with point of sale systems to be rather sure that information is somewhere within the mag stripe data of each transaction for their own quality control and protection as issuer. 

While I am being reissued the card for the remaining balance, I am not confident the replacement card wo n't be subject to the same lack of fraud protection. You can imagine how ridiculous it is to open a gift card package for a AmEx gift card for a very high amount, just to learn it 's already been used by someone else. That there was no card activation process was concerning, and I think that leaves the consumer open to fraud that ca n't be disputed, thus protecting AmEx 's interests at the expense of the consumer 's vulnerability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
In XXXX I found out through being Executor of my Mother 's estate that there were outstanding federal student loans in my Name that were in default. I made arrangements through the Estate Lawyer ( XXXX ) to make payments to the Debt Collector Transworld System. At the time of the agreement, I was told that if I made 10 consecutive payments I would exit the default rehabilitation program. It is now 15 payments with no word from either Transword of the Dept of Education as to exiting the Default program- with my hope to have a more favorable monthly payment. I have called Transword twice and was told that my account would be transferred to US Dept of Education no later than XX/XX/XXXX That has not happened and I just got another notice from Transworld of their intention to deduct another payment on XXXX/XXXX/XXXX. 
Recently, my company told me that my job is being outsourced by the end of XXXX, and I will not have the financial resources to pay what I am currently paying. 
So in the end, I need my account as stipulated at the beginning out of collections as I have more than satisfied the requirement of 10 months. As of this writing it is now 15 months. 
With the prospects of being unemployed I do need to engage the US DEPT OF EDUCATION to renegotiate the amount I can truly pay given the change in employment. 
XXXX Borrower # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I 've written 4 letters since XXXX XXXX, 2015 to Midland Credit Management to valid that I owe them. They sent me a computer generated copy someone printed out. No signature! All I 'm saying is I will pay them if they can supply proof I owe them. They ca n't, and they 've had since my first letter to them XX/XX/XXXX to valid it. What they did instead was notify the XXXX major credit bureaus to change my statues to " Disputed ''. The FDCPA clearly states that they have to stop collection activity if the consumer disputes. This alone is a violation of the law!!! I will not and can not make myself pay someone I do not owe a dime. I understand CONTRACT LAW will protect the consumer. Midland Credit have nothing with my signature on it agreeing to do business with them and they know it. Plus XX/XX/XXXX, they removed the XXXX accounts from XXXX and XXXX, then turned around and put them back. Please help if you can, because this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Was charge {$800.00} for a Gap contract that I was not told about before signing that i did not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: ID

Complaint narrative:
Asset Acceptnce, LLC has re-aged the debt on several accounts they hold in my name. They are reporting in accurate earliest delinquency information to the credit agencies.I have sent letters to them to verify the debt and to send me confirmation of the first delinquency date. They failed to do that and sent me only a letter saying they will note my account as disputed. Each of the debts they hold was first delinquent in 2009. They are all scheduled to fall off my credit files this year after the 71/2 time frame elapses. The re-aging of debt is illegal and Asset Acceptance , LLC is doing this to purposely scar my credit beyond the 7/12 year limit. The accounts as of now that I am referring are : XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
My students loans are with XXXX. 
I attendedXXXX XXXX University. 
This company is not friendly, and I pay monthly butmy loans continue to go updue to the interest rate. 
They do not have anysolutions to help meand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express has no way to receive written messages through its website, other than, perhaps, in a " chat '' exchange that is far too time consuming to be worthwhile. It will not allow you to simply send a written message to it through its website. This practice restricts easy communication with it and tries to force its customers to have to waste time on the phone on hold or waste time with its ridiculous chat exchanges. Its online questionnaire to challenge unauthorized charges, furthermore, tries to force you to answer inaccurate questions, the presuppositions of which are simply false. It tries to box you into statements you would not make by its refusal to take written comments from its customers online that are in the customer 's words rather than in AMEX 's. Along with other billing and advertising deceptions, AMEX should be forced to receive written comments from its customers through its website, so that they can speak freely for themselves and not be forced to waste so much time with them on the phone or through any other means, or to have what they are trying to say intentionally distorted by the idiot forms it tries to foist onto its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
There is an open collection account on my credit report that was discharged in a bankruptcy. Should n't that be closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: WV

Complaint narrative:
I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My cardmembership with American Express entitles me to access the XXXX. XXXX in turn gives me free shipping when I make purchases through their network of retailers. My most recent purchase, which I made using XXXX mobile application on my XXXX was completely botched. I ordered XXXX items, but only XXXX was communicated to their affiliated retailer for fulfillment. I should have received free shipping, but did not. The CFPB needs to know that American Express is doing business with partners that create issues for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been given no reasonable options to pay. I am a father of XXXX and my wife has XXXX, I am strong to make ends meet ... let alone pay {$700.00} plus a month on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I signed a check to XXXX when married to my ex that was military.. When we separated he changed bank accounts which we caused the check to bounce and I am being held responsible. They told me because it was federal that there was a lean against my as number and that they could take the money at any time.. I tried to set up payments and at first there would only accept XXXX dollars a month.. I only get XXXX a month ssi so that was hard for me I tried to get them to lower it to XXXX or XXXX but they said they could n't accept less then XXXX which barely covered finance charges.. I did n't think they could charge this on a check. So I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a corporate credit card with American Express. My company decided to leave American Express and move their corporate account to XXXX, at the end of XX/XX/XXXX. I had a positive balance in my account, so I requested a refund, which I had to do through my company, as told to me by American Express. 3 months, XX/XX/XXXX, later I received a refund for around {$250.00}. The next month, XX/XX/XXXX, I get a statement for a bill say I owe exactly the amount of my refund. I call American Express, and I get told that there was a mistake made on their end, that the system shows XXXX checks were issued, and that they will simply cancel XXXX of them and everything is resolved. Next month I get a statement for the amount of the refund plus a late charge. I call again, they apologize and tell me everything is taken care of. They even assure me that it is, and that I wo n't be getting any more statements. Next month I get a statement, still owe the {$250.00}, plus a late charge, and now plus another late charge. I call again and get told it 's resolved, so sorry. Next month, another statement, and then another, and another, late charges added each time, the amount owed grows to {$500.00}. I call and try to get it resolved, but now they tell me the account is closed, been sent to a collection agency. Collections? For what? A mistake they made in their system as they have never sent any proof that XXXX checks were issued, and that XXXX checks were cashed, because that simply never happened. Now they send me a letter saying they will settle my account if I just pay the original {$250.00} plus a little, and not the whole {$500.00}, 14 months later. So I call them up, with the number provided, and they tell me they will open a dispute, but I say I want it resolved now, so I get to talk to the supervisor, who passes me along to card services, who sends me to corporate accounts, who sends me back to collections ( which appears to be in XXXX, not that that has anything to do with anything ). I wo n't hang up until I get to talk to the investigator in the dispute department, but they tell me they do n't have that number and they hang up on me. They have destroyed my credit rating, had collection agencies call me on a daily basis, at both my cell phone and office line, have passed me along to department and department. One time they even said the issue was with my company 's accounts payable department, and I should dispute it with them. I have never in my life been treated so poorly for a mistake not of my own doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was coerced into opening a new account with american express with misleading signup offers. The offer completely contradicted what was actually offered ( nothing at all ). I have contacted amex to resolve and they pointed out another offer, and did not address my concerns directly at all. 

Fraudulent marketing specifically to mislead consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I received a call today from this lady I believe her name was XXXX. She made me feel extremely inadequate like i was a liar and that I had no rights. We first spoke XX/XX/XXXX and set up a payment arrangement to get this debt payed off. I told her that {$450.00} a month was all that we could afford and that I would try, key word try, and get something to her when I received my tax return XX/XX/XXXX. We were contacted by this lady again when she called XX/XX/XXXX to ask for a larger sum of money. I told her we had to take care of a bug infestation in our home ( bed bugs ) and that I would not be able to give her more than the promised monthly {$450.00} that we had agreed upon at the XX/XX/XXXX. She told me that would not be enough and said that she would be making a judgment against me. XX/XX/XXXX she called and stated that I had done nothing about my collection debt and that this is all my fault that we are where we are. She stated that I could have come up with money to pay this debt and that I needed to come up with {$2800.00} within a week and {$650.00} a month so that they would stop the judgement. I told her that was not possible and that is what I was trying to do back XX/XX/XXXX. If she had given me the 5 months between XX/XX/XXXX and XX/XX/XXXX to come up with the {$2800.00} that it would not have been a problem but that last time I spoke to her she made it seem like a lower payment was not an option. This most recent time she called me this morning XX/XX/XXXX she stated that I stuck my head in the sand hoping this would go away. That I never spoke to my husband about any of the decisions and kept him in the dark when I had not. She called me irresponsible and selfish to quit my job to be home with my kids. She told me that I am the one that has been unresponsive when it comes to working with them. She told me that I have until XX/XX/XXXX to come up with something and she does n't care if it means that I ca n't buy food or pay my mortgage because I am at fault and was not willing to work anything out with her, when I tried working something out with her since XX/XX/XXXX. I told her as a consumer XX/XX/XXXX that she is not allowed to contact me any longer and that I had felt attacked and she still proceeded to contact me. She called me a liar and told me that my sob story will not do me any good and that she really hopes that I have to go back to work because of this and that again I was irresponsible and selfish to quit to begin with.

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 2015-03-19 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: FL

Complaint narrative:
Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had an account with American Express since 1987, but American Express refuses to report this to the credit bureaus. 

Instead they continue to report my car as a new account even though my America Express account shows me a member since 1987. 

American Express NEEDS to correctly report my account start date to ALL three bureaus with the 1987 date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
I have continued to receive medical debt collections from Komyatte and Casbon over the past XXXX years that were sent to collections prior to being paid to the medical facilities

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 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Retention Consulting Services Inc.
State: CA

Complaint narrative:
I called the office to verify why a courier was being sent to my home. Their office informed me that I owed XXXX companies in their office money and that if I didnt pay they would get a judgment against me and get more money than I owe. I let them know that I am XXXX and that I was waiting for a hearing the early part of next year to get an income in so I could pay them but they stated that my refusal to pay now will cost me.they told me to borrow the money and pay them now.

Company response to consumer: Closed with explanation