vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
An unauthorized charge of {$120.00} was taken from my prepaid credit card and applied to my estranged husbands account. When I contacted the company they said that because the card was used previously on the account, that they are authorized to take the funds. The card was supposed to have been transferred to my new account when I established it a few months ago. I have filed a complaint with American Express and with XXXX, both with no success. American Express said they would contact me within ten days with a response as to whether or not they will return the money, but dispite several calls to them, they will not connect me with anyone in the dispute division. They just keep saying it may take longer than the 10 days. Its been over a month since I first contacted them to correct this issue. Your webpage states that they need to respond within the ten days, or refund the money minus up to {$50.00}. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Have received calls over the last several days from various numbers, but the call is conducted in the same manner. They ask for me, I ask who is calling, they only give their first name - will not say where they are from or what it is about. They continue to ask for personal information. Since I am not familiar with this person, I simply say they have the wrong number and to stop calling. I do not know what this is about, but it is beginning to become bothersome and concerning. The other numbers involved are : XXXX ; XXXX ; XXXX ; XXXX. Again, I believe it is the same organization just using different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL
State: AZ

Complaint narrative:
This is my second CFPB complaint [ Case number : XXXX ] regarding United Security Financial Corp 's mismanagement of my VA mortagage and now it appears that funds may have been embezzled. My account is payed electronically every month by XXXX XXXX and has NEVER been late or missed. XXXX is their mortgage servicing agent ; and even though I have brought this to their attention directly, they have continued to harass me for early payments after the above referenced case was supposed to have been resolved. Now payments are being reported as " not made '' and balances are reported incorrectly in my statement. 

The Facts show clearly, that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo, embezzlement and/or mismanagement can not be ignored.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding is reporting inaccurate information on my credit profile ( XXXX, XXXX, and XXXX ). They are reporting a balance of {$750.00} ; however, I satisfied a judgment through payroll garnishment ( last payment being on my XXXX/XXXX/16 pay period ), but the company is still reporting a balance on my credit report. They have been reporting this inaccurate information for over a year now, which is a direct violation of FCRA. By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Midland Funding failed to ensure that the information furnished to the CRAs was accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I looked at my credit report and i learned that MIDLAND credit mgmt is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. Midland is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 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: AL

Complaint narrative:
Received a private student loan from XXXX XXXX Bank in XXXX 2006 for {$29000.00} to attend XXXX school XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, LA. The loan was promoted to me through email and the lender did not go through the school. I received a summons from XXXX Alabama XXXX XXXX Court XXXX, 2014 stating I was being sued by National Collegiate XXXX XXXX Trust claiming I owed them {$60000.00}. I challenged the claim in court representing myself. I argued that they had no proof they owned or was assigned the loan. They submitted bogus business documents and produced a witness in court from XXXX XXXX XXXX claiming they were authentic. They never produced any authentic documents that proved they were issued the loan or bought it. The judge ruled in their favor a judgment against me for approximately {$49000.00}. I ca n't afford an attorney as I have been quoted {$4000.00} and up to help defend me. Also, since National Collegiate has numerous debt collectors, XXXX of their collectors have been reporting the same debt on my credit history and has made it appear that I owe XXXX separate debts and has severely limited my ability to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
The company contacted me at work. Ive never heard of this company in connection with my student loans. I have also never received information from the original debtor or the company so that I may verify the original debtor contacted this company to use their services regarding my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I filed a dispute in XX/XX/XXXX it is not XX/XX/XXXX this is disbute is for {$160.00} that was used while I was in XXXX they say I swiped my card for tickets at the XXXX XXXX ticket stand in XXXX XXXX I am treated rudely every time I call and inquire on my disbute

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!! THE LAST TIME I FILED THIS COMPLAINT, IT WAS MARKED AS DUPLICATE AND THESE ARE XXXX SEPERATE COMPLAINTS AND CONTAIN XXXX DIFFERENT ACCOUNT NUMBERS. Midland Credit Management is reporting late payments of 180 days plus during the months of XXXX, XXXX, XXXX, and XXXX. Midland Credit Managment is a 3rd party collection agency and they are not allowed to report late payments to any of the credit bureaus, however, it seems as though they are getting away with it by reporting to XXXX and XXXX only that an account with them is 180 days late. I 've tried on numerous occassions to get this fixed and have been unsuccessful. I 've requested statements and/or a contract bearing my signature and they 've yet to respond with anything I 've requested. Instead they continue to send the same responses over and over as well as setlement offers and I 'm not paying for something if I do n't know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Here are the details in summary : The original debt for a credit card opened XXXX/XXXX/XX/XX/XXXX was with XXXX XXXX XXXX for {$1300.00}, and was charged off due to my inability to pay. 
The debt was bought by Asset Acceptance who is asking me to pay {$2500.00} instead of the charged off amount. They have a account XXXX XXXX of XXXX/XXXX/XX/XX/XXXX instead of the original date. 
In the process of cleaning up my credit report, I disputed the amount remaining on my report with XXXX XXXX, and they changed the balance to {$0.00}. 
Asset Acceptance updated their entry from a XXXX XXXX, to an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received services at XXXX XXXX in XXXX. They made several clerical errors in billing my insurance, and attempted to collect directly from me instead. My insurance company, XXXX for XXXX XXXX, XXXX XXXX XXXX investigated and confirmed that this was an error. XXXX continued to send demands in ever-changing amounts ( {$2300.00} on XXXX/XXXX/XXXX, {$1000.00} on XXXX/XXXX/XXXX ). 
Transworld Systems Inc sent a debt collection letter on XXXX/XXXX/XXXX demanding {$200.00} on behalf of XXXX. XXXX also sent a letter on XXXX/XXXX/XXXX demanding {$1000.00}. 
I never received a bill for {$200.00} from XXXX at any time. 
Transworld is attempting to collect a debt amount that I have never been asked for, and the debt it is related to was investigated by my health insurance company and found to be invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I make online payment transaction using PayPal online services om XXXX XXXX 2015. 
Amount transaction was XXXX {$.00} 3 day latter I found that not any merchandise and not any services will be provided from service provider which use PayPal for receiving a paymentsIn XX/XX/XXXX I contact.to PAYPAL by phone and ask dispute this transaction and refund my payment in amount XXXX {$.00} However I have following message : if we contact you for more information, please respond within thetimeframe. If you do not respond within the timeframe, the case may beclosed and decided in the seller 's favor. 

Why PayPal not speechify which information will be needed, when PAYPAL contact me and what way PAYPAL will be contact me ( email, letter, phone call, ets )? 

I am already provided detail and I will be more like happy give more detail to PAYPAL to order dispute transaction and refund my payment. 

Here transaction detail : Transaction Date : XXXX XXXX, 2015Transaction Amount : - {$67.00} USDYour Transaction ID : XXXXCase Number : XXXXXXXXBuyer 's Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Client Services, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GVA Holdings, LLC
State: WI

Complaint narrative:
I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Elly, LLC
State: HI

Complaint narrative:
I rec 'd a loan from dollar quick in XXXX XXXX loan was for XXXX. last month I revoked my authorization for any funds to be withdrawn from my bank acct ( XXXX, XXXX, hi. ) I asked for balance on acct and how much paid to date. they did n't respond to me. They ignored the revocation and went ahead and took money from my acct XXXX. I asked for my money back and again balance, amt pd and mailing address so I could just mail in payments. to date they still have not responded to my request. their phone # is XXXX pls help me here. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I canceled my American Express card months back due to fraud and they continually sent me statements each month with a XXXX balance and sent me a new card recently without my consent. I called them today to rectify the situation and to stop harrassing me but they would not talk to me without giving my personal info. I have no balance on the card and want them to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
this creditor is harrassaing me on my job. they are taking money out my account. sending legal papers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A reward coupon from XXXX expired and American Express will not reissue it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX '' HI opened a credit card with American Express on phone and was told that if I get approved I shall get the bonus points after fulfilling the requirements which I did. In course of fulfilling my requirements I asked few times if I shall get the bonus points and I was told yes by the representatives. After fulfilling my requirements I asked for the bonus points and I was forwarded to a supervisor who told me that as I previously had this card and even though I never got the bonus but I cancelled it I wo n't be getting the bonus. 
I humbly think that this is not right and not fare as the bank should not had issued me the card first place and the representatives should had warned me that I wo n't get the points. Doing so only after I fulfilled my requirements and being told by the representatives is misleading and leaves a very bitter taste and feelings. 
If I do n't get the promised bonus points I feel myself free to pursue other justice options

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was contacted at work after receiving a phone call to my staff and had the call transferred to me regarding a debt. They also threatened legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 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: IL

Complaint narrative:
I have been a victim of Identity theft as a result several accounts were opened in my name .  I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate.  I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Client Services, Inc.
State: FL

Complaint narrative:
Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief