vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I settled a debt with Midland Credit Management in XXXX 2016 relating to a XXXX account opened through XXXX XXXX XXXX XXXX. XXXX was reporting the account to the various consumer credit reporting agencies as a collection. When I spoke with Midland 's agent, I specifically asked him if Midland could request the credit bureaus delete the tradeline reported by Midland. Midland 's agent replied that yes, they could and would ask the credit bureaus to delete its tradeline after the account was paid. 

However, Midland did not do this. Rather, they simply re-reported the debt as " paid, '' which still leaves their prior negative information on my credit reports and negatively effects my credit scores. I was very specific in my request, and was told by Midland that it would delete its reported information. 

I feel as if Midland simply told me something to get me to pay an account, and had no intention of honoring its agreement. I am aware that Midland records all of its phone calls, so this should not be hard to establish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I use a prepaid American Express bluebird card. The card I have is a replacement for the previous card that " had been exposed to a hacker at a retailer I shop at '' ( according to AMEX XXXX. I made a purchase at XXXX and AMEX failed to pay, so the order was cancelled. This happened a second time, but I caught it before the order was cancelled and called AMEX, who in turn, immediately released the money to XXXX. XXXX XXXX, I placed {$20.00} on my card and placed an order at XXXX for ink ( for {$25.00} XXXX, but cancelled it because I needed to order more than just the one. XXXX XXXX, I placed another {$20.00} on the card for a total {$40.00} reload in 2-days time, and what should have been a balance of {$41.00} on the card. Then, on XXXX XXXX, I ordered an ink value pack ( for {$25.00} XXXX. That payment was never paid out to XXXX by AMEX, when requested, even though the money was on the card, and my order was cancelled by XXXX. I called AMEX and they are telling me that they have no idea why the money was n't paid, since it was sitting there on the card and available. Well, before I realized this, I placed another {$20.00} on the card so that I could order the ink again. Then I realized, after placing the order, that there was in the span of this time, between the money placed on the card and money used to purchase items, there is around {$41.00} unaccounted for by AMEX. The case number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld services inc. Contacted me and told me I own {$650.00} to a doctor at the University XXXX XXXX XXXX XXXX XXXX I have not been to nor ever visited this place. I have a pay stub that will prove that I was at work XXXX plus miles away during the alleged visit on XXXX XXXX 2016. The woman that contacted me from this debt collector was rude and threatened to ruin my credit. Transworld services inc. called several times and never left a message when I tried to call the number back no one answered and the voicemail option is always full there is no way to contact these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On Saturday XXXX/XXXX/2015 there were XXXX ATM transactions made to my SERVE prepaid card, A card issued by some branch of AMERICAN EXPRESS. The transactions were for {$200.00} each for a total of {$400.00}, On XXXX/XXXX/15 I went on-line saw the error and immediately reported it to the XXXX, They sent me a fraud affadavit I filled it out and returned it on the XXXX/XXXX/15. on the same day XXXX/XXXX/15 I got an email stating that the dispute was denied and my account had been closed. It also says I have the right to any documents they may have relied on in making there decision. So I called and said I did not make the transactions and i did not know anything about them. i still have my card and i never gave anyone my card info or my PIN number. They Would not tell me how they came to there decision or give Me the documents they used. They dont even know what bank they are no one there will tell you anything. They will never let you talk to a supervisor, they put me down for a call back and I never got XXXX. 

I feel like they are just trying to strong arm me by telling me there decision is final, I do not think that they did any kind of investigation. and they definitally do not have anyproff that says i am responsible for the transactions Because I know i did not make them. 

Please help i am out {$400.00} plus some fee they charge every time the card gets used at an ATM. 

They are not following the law, they did not prove anything they are just trying to say it is my fault with no proof and that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
i got a approve for a charge card and a business card blue.I was paying on time minimum Payment! On XXXX cards, then a bill come on then out the blue sky i get a bill with no minimum so i call and was told policy change and i now can only pay minimum on the credit card blue business card, But the XXXX card need to be payed in full AND WHERE DEACTIVATING YOUR XXXX BUSSINESS! I told them im running a business and they said okay you can get XXXX swipe to order inventory .you think it happen absolutely not! i told them this is fraud! I Kinda new something was getting fishy when every retailer here in connecticut including the XXXX DO NOT ACCEPT AMERICAN EXPRESS THERE REPLY WAS THERE TRICKSTER! 
& experience is the best teacher! my cash advance atm was cut short no bank would give me the rest of the money i went every bank! american express short change trick me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: NJ

Complaint narrative:
A company called Transworld Systems Inc is attempting to collect a debt on behalf of the XXXX, but the debt is not mine. I do not use the XXXX and the address for the person they are seeking ( with my same name ) is an address I am not familiar with. I 've let them know this verbally and in writing but it seems they are continuing to request payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TekCollect Inc.
State: PA

Complaint narrative:
Debt was sold to a third party and i did not give permission to release my information to a debt collector. I am allowed under HIPAA to protect my privacy and medical records from third parties. Also the collector is not license in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP
State: TX

Complaint narrative:
Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
When we applied for a loan with Amerisave mortgage, we were required to supply a credit card for an appraisal before we ever got a good faith estimate ( GFE ). Amerisave essentially performed a bait and switch on us by asking for additional items not required by any state or federal law in an attempt to charge even more eroneous fees to pad their bottom line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12 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: Aargon Agency, Inc.
State: GA

Complaint narrative:
Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have been recieving numerous calls from a company claiming that I owe a debt. When I attempted to find out what I owed for, they refused to tell me and attempted to get my personal information which I refused to give them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. 
Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
This Company named Patients Accounts Bureau and the caller 's name is XXXX XXXX calls my number every hour starting at XXXX. I have repeatedly stated that I am currently unemployed and have not worked for 3 years. 

At first the calls were once or twice a week, now this company is calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
A few years ago, I lived at an apartment in XXXX, NJ and used XXXX XXXX XXXX as electric/gas service provider. Upon leaving that apartment in XXXX 2014, I paid the balance owed on my account. A full year later, I received a call from a collection agency stating I had a balance owed which I immediately disputed and requested proof of debt. They never provided me this information and ultimately lifted the collection from my credit report. Now another year later, I noticed a new collection account had been added to my report for the same balance in question to which I disputed with the credit bureau. Keep in mind, this new credit agency never contacted me prior to placing this new collection on my account and has also never provided me proof of any debt that I owe. These companies should not be able to report whatever they wish on one 's credit report without substantiation while giving the consumer no recourse. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
In XXXX I started working with Amerisave Mortgage to refinance my existing mortgage with a view to lowering my monthly payment. I eventually received a lock-in rate of 3 % with a monthly payment including taxes and homeowners insurance of about {$1800.00} to {$1900.00}. I have been trying, unsuccessfully, to establish a closing date and Amerisave now wants over {$7000.00} in cash at the closing. We did have a date but Amerisave now denies any knowledge of this. In XXXX I disgustedly told Amerisave to refund what I had paid for an appraisal ( {$420.00} ). They were supposed to call me back on XXXX. They never did. I would like them to to make the loan on the terms they described to me. I have tried to deal with other mortgage companies but they can not offer me the same terms because of fluctuations in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Finance of America Mortgage LLC
State: CO

Complaint narrative:
I just refinanced my mortgage with Finance of America Mortgage. The first payment was due XXXX XXXX, 2016. I mailed the payment in XXXX. They applied the payment INTO SUSPENSE on XXXX/XXXX/2016. They notified me that there would be a new lender effective XXXX/XXXX/2016. They refuse to apply the payment to the loan even through they show they received the payment on XXXX/XXXX/2016. They are telling me that they plan to send the payment to the new lender, but they are CURRENTLY my lender and servicer. My mortgage contract stipulated in what order the payment will be applied. There is NO ESCROW account, so the only choices for a early payment would be P & I. There is no option for SUSPENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I was injury at work XXXX XXXX this bill was to be paid by the state of Florida Division of Risk Management. I have gave the company all the information on this case and they still keep holding me accountable for it. This the information that I have gave to them for this bill they need.

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
Consumer complaint received 2015-07-20 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: Ceannate
State: IN

Complaint narrative:
Caller from FMS - Financial Management Systems keeps calling a relative, identifying themselves as XXXX Student Accounts. I do not have a student account with anyone in which I owe ; however, they have disclosed my personal information and continue to call repeatedly after being told that I do not live there and have not lived there since 1996. Have contacted them and asked them to stop, but they do not. My relative is over XXXX years old, and they continue to harass him.The contact information I have for them isXXXX XXXX XXXX XXXX - XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's and DSNB AMERICAN EXPRESS issued me a card. This was a single card. The card was used without my knowledge or permission. This was a card that had no activity for years then in two months was maxed out. The company never notified me while it 's sudden use started or took notice some charges were not even in my city. Now, even though it 's XXXX card, XXXX credit deliqencys exist. I have repeated told them it was not me and disputed charges.

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