vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Re : Request for Investigation/ Debt Validation Request XXXX XXXX Bank XXXX Account # XXXX Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / XXXX XXXX Bank XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX Bank XXXX ) for Disputed Billing Charges and Billing Errors in XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via XXXX mail at the address listed above. 
Since Asset Acceptance have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC., of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: West Virginia Housing Development Fund
State: WV

Complaint narrative:
West Virginia Housing Development Fund ( WVHDF ) is incorrectly reporting balances on XXXX XXXX credit reports. They either need to delete XXXX XXXX completely or make the balances correct. I personally have a mortgage with WVHDF and on a monthly basis I have to dispute the incorrect balance. I also work for a bank and can see other WVHDF customers incurring the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GVA Holdings, LLC
State: DE

Complaint narrative:
Received 2 threatening phone calls from according to the message the AG office in TX, I am in Delaware and the payday loan is for CashAdvance. They are stating that I am in default of this loan. I do n't have a 'Payday Loan ' with CashAdvance. It is a scam, I know this as they attempted this on me before several times. The XXXX numbers are coming from XXXX, TX and they are XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX both calls indicated that they were going to have the State Police come arrest me and throw me in jail. To me this is a threatening phone call. The person speaking had a foreign accent and was the same person both days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My CHASE account was restricted. It went through days of investigation and when the investigation was complete they claimed they sent me a check for the remaining amount on XX/XX/2017. Today is XX/XX/2017 and still I have received no check. They told me to sign an affidavit and indemnity agreement which after reading I realized will take all legal liability for the check away from chase. Everytime I call I get the run around and nobody can seem to provide me with any valid information that the check was indeed issued. They want their customer 's to sign this form but I 'm uneasy because thus it 's been 30 days and I have n't gotten the first check, why would I feel comfortable in signing a document that says the " first check '' they issued is now void and to wait around for them to hopefully send me a " second check ''. I 'm convinced that the first check was never mailed. It does n't take 30 days to receive a check in the mail. Every time they mail something out in regards to that account I always get it at the address that I have on file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company said they are a company that works for the CFPB. And when making arrangements to pay a debt, they are bound by laws to not make any false statements of any kind. 
What they did : 1. They told me and documented false statements of the amount of debt I owed. 
2. The company 's office at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ) went out of business with no forwarding address after all the debt was paid. 
3. They continue to have broken many fair credit laws and should have a criminal investigation done regarding their business practices. 
4. There license should be revoked due to this illegal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express Serve Card An ATM transaction occurred on XX/XX/XXXX around XXXX The location was money pass ATM in which American Express Serve , which has no ATM fees using this location at XXXX Still. XXXX XXXX XXXX, LA. I promptly contacted the company when the ATM did n't dispurse the cash as I requested, it cancelled the transaction, but yet my account reflected XXXX withdrawal, I had to wait days later to receive the dispute forms, I started faxing on the XXXX of XXXX, each time I contacted customer service, they said the account was noted that I was sending the fax, yet on XXXX of XXXX I learned it was all lies, the customer service rep I spoke to on today stated clearly each notation stated I just wanted to know of updates, now I received an email stating I did n't send what they requested and I 'm not eligible for the credit, now take in mind the email was send at XXXX, so now I have to wait and additional 30 to45 days, because they employ individuals whom feel you call or ask for a supervisor to much they 're annoyed at you about you 're hard earned money you worked for, now this company is rated by high standards, yet the way they treat you is very low, if you call the main company, they will tell you it 's not the same affiliate, yet go to the American Express website and read, it 's part of them but separate divison, some one in executive office should be made aware and accountable for how its brand is being represented by it 's employees also better contact options for the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX has made harassing calls to myself and my mother, a female left @ least XXXX different voice mails on my mothers phone, stating " they will be at XXXX 's home tomorrow to take care of this debt matter " or we will be at her home around noon to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe XXXX money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.

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 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am currently XXXX and Navient has always pushed me into forbearance for paying them back. My current payments will be {$140.00} I cant really afford that. I need to be put in an program that will go off of my pay. The school I was attending when I received the loan is not out of business XXXX XXXX XXXX XXXX it was a total rip off!!! Im not stuck with like XXXX dollars of debt and they did not help me with a job and I was paying payments also to the school thinking it was paying down my debt. The financial aid officer at XXXX was a fraud and she did not explain things to me in a clear and cut matter. I would have never went there if I knew I was going to be in all this debt. I cant even buy a house until I get rid of this debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
For some time I have received American Express bills that I paid online. Sporadically these bills attempted to scam me by showing the Current balance to be paid to be slightly less than the actual balance ( see attached PDF copies of XXXX bills and the deceptive payment screens for each ) in order to trick me into paying less than the actual balance, thus earning penalties ( described on each bill ). I attach XXXX instances showing the actual bills and the online payment forms that I received with the alleged Current Balances and the actual Current Balances shown. In the past I corrected the amount to be paid, but now that is no longer allowed, forcing me to underpay if I pay online. Therefore I will no longer pay online. I consider this scam on the part of AMEX to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
because I have no bank account, I purchased an American express gift card to pay some bills with. I was not able to use my balance of {$320.00} on any of my bills, XXXX I contacted the gift card service center in XXXX on XXXX separate occasions, and spoke with XXXX separate floor supervisors and was repeatedly told that there was nothing wrong with my card. I repeatedly tried to use it online, on phone, and directly speaking with my creditors with no success. XXXX floor supervisor, XXXX XXXX XXXX, at XXXX customer service advised that it is not meant to be used to pay bills. I told them it should be able to be used just like a credit card for any reason. After not being able to get customer service to help me in any way I asked fpr a refund and was told that it would take 20 business days for a refund. It sure seems like a scam to me. I spent good cash money and now am out {$320.00} for at least a month. This is not a responsible business practice, and not fair to the individual. Please help me to resolve this absurd practice. I never have similar problems with other major gift cards XXXX. I just want to be fairly treated, and hope you can help me, and others like me. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was charged a late fee for no apparent reason on my American Express Business XXXX. I believe they changed the cycle payment date on me and they refused to refund the late fee of {$35.00}. I would be very suspicious of their practices as they have been quite aggressive in trying to get lower income Americans off their rolls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express reserve issues debit cards based on email verification, not a real identity of the person like social security number.I received a debit card sent by a scammer and I deposited {$500.00} towards comcast service for 5 months as a promotion.Scammer even sent me all details about comcast services and when called the number it said XXXX menu. 
Actually scammer filled my information and gave his email and when american express sent him email confirmation, he clicked and got approved a debit card for XXXX without depositing single penny. I Can not imagine opening an account without real identity of the person. 
American express reserve agent informs me that debit cards are not fraud protected and buyer be aware.Why is american express is allowed to issue debit cards based on email verification.This is a perfect recipe for scammers and terrorists to transfer money, if american express can not trace the XXXX XXXX. 
your agency should take action against american express as it is the part of the problem anddamages are enormous and irriversable.. 
Is it a fact that debit card purchases are not protected from fraud, as they claim.? 
I do not find that in the accompany rules, it promotes direct deposit of salaries, incomprehensible that this fraud is allowedIf not please let me know I will pursue with american express. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am called at least 8 times a day every day by XXXX. This number is associated with Midland Credit. They do not leave a message. If this is about debt collection, it is not mine. I have never had bad debt. Stop calling! It is harrassment. Ca n't block number because I use XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is actually a follow-up to a CFPB claim with reference number XXXX. I was n't able to respond to it online, so I 'm filing a separate claim. Please, read it in its entirety before sending me a template response, thank you. I 'll let you look up the specifics of the original complaint, so let me address your response letter I just got in the mail. 
In the letter you are telling me that my XXXX points were not available at the time of conversion. 
This is incorrect because they were available for redemption or mileage transfers, so how could they be simultaneously pending? I 'm attaching a screenshot that shows XXXX were EARNED. That 's similar to saying that a person is still pregnant after giving birth. 
The bonus is listed in " earned '' category, nothing pending about that. When I logged in prior to this debacle, my account showed XXXX points and underneath of it it clearly said " available. '' You ca n't have points available and pending at the same time. It 's a contradiction. 
You are also telling me that the CSR was referring to my earned points, not the bonus, since unbeknownst to me and I 'm guessing him too, the bonus points were under review. This is ridiculous on so many levels. Surely, any well-trained CSR would mention to the customer a " small '' issue of losing XXXX points if they go ahead with the conversion. Are you telling me it 's a conspiracy and you wanted me to lose the points? 
By that logic, the clawback should be in " pending '' status as well, and you should let me upgrade back to Platinum product. It 's only fair. 
I will be more than happy if you convert XXXX card back to Platinum and charge me the annual fee again as long as my XXXX points get reinstated. If you fail to do so, I plan on filing a small claim to seek damages. Be aware, I plan on demanding compensation for my time as well. I 'm also thinking about pursuing arbitration. Make no mistake about it, I 'm not planning to let this issue drop. I 'm hoping you can reinstate the points, so we can move on from this ordeal. It 's up to you now to resolve this issue without going to court. Thank you for your cooperation.

Company response to consumer: Closed with explanation