vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am an American Express Gold cardmember and one of the benefits of the card is earning 4x points while dining at US Restaurants. Ever since this benefit was added to the card, I have had issues with earning points at certain restaurants ( XXXX, XXXX XXXX, and XXXX ). Even though the merchants I am having issues with are all properly categorized as restaurants on my statement, they only earn 1x points. As of my XX/XX/XXXX statement, this problem affected a total of {$210.00} in transactions. 

I have been in contact with American Express 6 times regarding this issue and it has not yet been corrected. Dates of contact, representative info, and their responses are below. 

XX/XX/XXXX XXXX advised it was too soon to submit a ticket on the issue and to contact them back in a few days. 

XX/XX/XXXX Initial ticket opened with XXXX for XXXX and XXXX XXXX. 

XX/XX/XXXX XXXX advised XXXX had been corrected in their system and I was issued a credit for the missing points. Their back office did not address XXXX XXXX. New ticket was submitted. Was told issue would be resolved in 7 to 10 business days. 

XX/XX/XXXX Deadline for resolution passed with no action. XXXX advised to call back after XX/XX/XXXX statement points were pending and they would put in a new ticket. 

XX/XX/XXXX XXXX put in a new ticket for XXXX XXXX, XXXX, and 2 transactions at XXXX that were not fixed previously. I was again told 7 to 10 business days for resolution. 

XX/XX/XXXX Still no action on prior ticket. XXXX added new transactions from XX/XX/XXXX statement into ticket. She blamed prior lack of response on sometimes getting backed up with cases. I was again given a quote of 7 to 10 business days for resolution. 

It is now XX/XX/XXXX, and I still have not received my missing points or heard anything from American Express. Due to their lack of action, I am opening a complaint with the Consumer Financial Protection Bureau. 

I am attaching a full list of the transactions that are missing points as well as screenshots from my statement showing that all 3 merchants are US Restaurants. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX   was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX   and removed after investigation, XXXX refuses to remove the negetive mark from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a late charge from my Capital One credit card which had a XXXX balance at the time. A charge was made by XXXX XXXX XXXX to my Capital One card  that was NOT authorized. The XXXX XXXX XXXX account was frozen at the time and should not have been charged to my Capital One account. The charge went through and since the Credit Card was at a XXXX balance before I was unaware that there was now a balance. I got no notification from capital one that there was a late payment due to this charge from XXXX XXXX XXXX. Once i figured out that there was a balance on the card that is now 30 days late. I immediately paid the balance which was only about XXXX dollars and let Capital One know what happened. Capital One refused to reverse any negative report they reported to the credit bureaus. After years of having 100 % on time payments I now have this one late payment that has tremendously impacted my credit. This is wrong and needs to be corrected. I never authorized the charge that ended up putting my account late. Please remove this from all credit bureaus. 

The account in question is : Capital One USA NA Account XXXX For the month of XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX student loans and XXXX XXXX student loans were paid on time and ahead of time as well. Equifax reporting is inaccurate and must be changed to reflect perfect payment record. XXXX had negative report that is inaccurate, XXXX negative report must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: MD

Complaint narrative:
XX/XX/XXXX - XXXX Visa Debit card given to recipients XX/XX/XXXX - card expiration date XX/XX/XXXX - ( specifically XX/XX/XXXX ) - card rediscovery and called in to company to activate / was told by XXXX ( XXXX ) at Texas Call center to go to US Government unclaimed property and attempt to retrieve funds of {$600.00} after 5 years from now. XXXX informed us the {$600.00} would only be available to us 5 years from now, and this was the only option available. Netspend informed us a replacement card was an option, but XXXX insisted the only route was through the US Government unclaimed property - National Treasury website.

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 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
In reviewing my credit report in XX/XX/XXXX, I learned a company, Genesis Credit Management, had reported a debt in XX/XX/XXXX and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and XXXX returned the mail undeliverable. I submitted online disputes with XXXX and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for Genesis CM and have never received any response. I sent letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to Genesis. The online disputes were submitted to the credit report agencies during that time and again recently. XXXX has finally corrected the error and removed from their reporting. I have filed a dispute with XXXX as well. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by Genesis to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NC

Complaint narrative:
This is the second complaint against Kending Club concerning my loan with them, the deceptive tactics and misleading information, and the fact I spoke with their consumer advocacy associate and asked her specifically to tell me what I was due on my account XX/XX/XXXX because I was in the midst of closing on a home equity line of credit to pay them off. She then tells me she would get back with me. Three days later she then gets back with me. I had the money to get the account current and it is my belief that after speaking with her and reaching out to XXXX XXXX by email over 8 times, my situation with my area being declared a natural disaster or the fact that Im trying to pay them off through my home equity line of credit, means absolutely nothing to them. Worst customer experience of any business I have ever dealt with. Its because of there miscommunication, Im in the position where I can not close on my home equity line of credit to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Received a letter XX/XX/XXXX from United Collection Bureau , Inc concerning collection of a XXXX, XXXX XXXX Consumer Account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting information : name and address of original creditor, copy of the original signed contract , delegation of authority, and a complete account /statement of payments, interest, fees, etc to support the validity of the debt. To date, I have not receive this information, but I have received many calls from this collection agency at home and at my work. My job does not permit to accept this personal calls and these calls may jeopardize my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2019 we used a service on our Wells Fargo app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called Wells Fargo and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes.

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 2019-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I submitted a Dispute Letter to the company and according to them they are stating that the account belongs to me without verification of the debt whatsoever. 
In my dispute letter XXXX asked for specific information, of which they have failed to provide to me as per my request. 
I did not sign a contract with this company that binds them to me and me to them. So how can they state that I owe them any money? I DO NOT owe this debt to them as they are stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Due to financial circumstances I was unable to continue my lease pymts. This was a 36 month lease and I made 24 of those payments. Bmw came to collect the vehicle and hit my credit report with a balance higher than the original lease amount. I only had XXXX in pymts left. The company refused to allow me to turn in the vehicle early since I was 90 days delinquent. This is unfair practices and my credit report should only include the remainder of lease pymts as amount due. They refuse to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Today, XX/XX/2019 we used a service on our XXXX XXXX app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called XXXX XXXX and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes. XXXX should be actively trying to shut down accounts of scammers. They should be attempting to prosecute these scammers. They should be tracking who is involved in these scams and they should be working to avoid letting them start new XXXX accounts. They certainly should not be telling people, This is your fault and there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been negatively affected by the information Equifax has in my file. The information has not been updated in over 6 years. Accounts missing and old accounts that have been paid in full and closed are still showing. I was just denied credit due to Insufficient Credit References. I have over a dozen active accounts that are all current and have never missed any payments or even been late. This has been a problem for years with Equifax and the last time I spoke with them, they stated that if the creditors dont report, they can not update. How is that right, when XXXX  and XXXX  seem to keep up with my accounts. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
XX/XX/XXXX Midwest Recovery Systems sent me a letter with my confidential medical information. Ive never signed any legal document giving Midwest Recovery Systems permission to obtain my personal confidential medical information. This is a clear HIPPA violation and the debt doesnt belong to me. I responded in writing XX/XX/XXXX and have yet to hear back from Midwest Recovery Systems. But what they did do was flag my credit report for a debt thats doesnt belong to me. 

XXXX XXXX XXXX continues to sell this alleged debt. This is the fourth time they have sold my confidential medical records in attempt to collect an alleged debt. Im ready to pursue legal action due to this reckless behavior they continue to display. They have no ethics and need to stop selling patients CONFIDENTIAL information for profit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I had a leased vehicle Honda provided a payoff for. I paid the amount to purchase a new car. I received harassing calls and letters threatening repossession of my XXXX XXXX which had been turned in to the dealer months prior. Credit report shows amount owed and have been sent to various collections. When disputed previously Honda denied and provided bogus payment history saying amount owed and repossession never sought. The vehicle I did purchase XX/XX/XXXX claim never addressed. That vehicle was repossessed after payment was never applied that had been sent in. Also car was given to repo man at XXXX when car was in garage and he had gone in to verify. I did not know at the time that was not allowed. He threatened I would need to be in court the next morning if I did not give him the car and it would cost additional thousands in court fees. Also said a key fee of {$500.00} would also be charged. I was getting paid in the next 2 days and was going to make my payments I did not know were over 30 days since a payment had never been properly applied. I was told I could get my car back once I made my payment and called Honda. This has caused extreme hardship and affected my ability to find a job since credit checks are a part. Also has created a hardship in securing housing for the same reason.Had I not been lied to I would have retained my vehicle my good standing credit wise and not had to go through undue hardships otherwise. Honda has profited by unduly doing this and continues to seek payments through collection. 

I have copy of payoff, and payment made. Copy of letters threatening repossession which they denied for XX/XX/XXXX. I also have a copy of check sent in which was not applied that resulted in XX/XX/XXXX being late. Also proof of XX/XX/XXXX car picked up from dealer when transferred to another lot in XX/XX/XXXX despite being threatened in XX/XX/XXXX with repossession and charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XX/XX/2018, I have received repeated calls to my home and work from Midland Credit Management , Inc. concerning a XXXX  Account. I have asked them to provide me with following to support the allege debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting / statement of payments with interest, fees. This information has not been received and the repeated calls continue to be excessive and is jeopardizing my employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: FL

Complaint narrative:
Received a letter from Client Services XX/XX/XXXX concerning collection of a XXXX XXXX XXXX account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the ensuing information about the alleged debt : name and address of original creditor, copy of the original signed contract , delegation of authority, and account / statement of payments including interest, and fees. To date I have not received this information, but I am receiving repeated call from this agency at home and work. My job does not permit me to take these calls at work and as such their calls are jeopardizing my employment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I confirm that I have received written communication from you dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wherein you make reference to the above captioned matters. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX and XXXX, XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX  and XXXX, XXXX, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX XXXX, XXXX  and XXXX, XXXX, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX and XXXX  , XXXX  .

If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX  and XXXX, XXXX, as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation