vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sarma
State: VA

Complaint narrative:
I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. 
The original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. 
I am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Creditor sued me and served/posted the documentation for the court date at the wrong address. When I contacted them to speak with them about the issue, I was told there was nothing I could do. They have been collecting from me for four years and did not stop after the consent decree was entered

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a customer of American Express for over almost 30 years and i just noticed that I have a 30 day late payment reported to the credit agencies from XXXX ' 2012. I have never missed a payment from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX 2017 I needed to make a few transactions at a XXXX atm machine ser # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX fl, useing my American Express Serve XXXX pre-paid card i made my first transaction for XXXX $ which i recieved my cash, i made my second transaction for the same amount XXXX $ which i didnt recieve from the atm, so i retryed a thrid time still i didnt recieve my cash, so i decided to check my card balance n my account was charged XXXX $ for 2 transactions that i never recieved, I called american express serve cusomer service and explained what jus had happen, they told me that they will review n investigate my dispute, and send me a email, On XXXX XXXX i recieved a email seying that a review was made n that i violated the consumer user agreement n that my account n card is supspended, i never did nothing wrong, i was jus trying to get some of my tax refund money off my card, why did they take my money,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: WA

Complaint narrative:
I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I submitted a payment to American Express ( AMEX ) on or about ( OOA ) XXXX XXXX 2016 for {$840.00}. 
I received a bill XX/XX/2016 for & XXXX which included {$27.00} in late fees and {$12.00} ( {$39.00} total ) in interest from AMEX. 
OOA XX/XX/XXXX-XX/XX/XXXX I contacted AMEX and complained. I was informed I should 1. Pay my bill on time 2. Read the fine print in the contract. I asked for a Supervisor. 
I informed AMEX I wanted the account cancelled and a total for a final amount so I could pay it. At that time I was told the final amount was {$740.00}. I specifically asked if there are any additional " hidden fees AMEX is going to attempt to XXXX me on ... ''. I was told " NO '' the total is {$740.00} as there were pending charges made by me on the card.. 
On a Sunday XX/XX/XXXX or XXXX XXXX 2016 a AMEX Supervisor ( XXXX ) called me back and explained I was treated rudely and that is not how AMEX operated. I was told the payment in question was logged as being received XX/XX/XXXX and credited on XXXX XXXX ( 2 days after the billing cycle closed. XXXX said she would wave the late fee because of my " excellent payment record ''. She never removed the interest ( {$12.00} ). 
Subsequent to the above events, I received statements online saying my account was closed and that I had a {$0.00} balance. 
The week of XXXX XXXX I received an AMEX statement saying I owed {$3.00} in interest. I called and spoke to ( XXXX ). He said the {$3.00} was an interest charge. I explained the account is closed and I had AMEX tell me the total last month my final total for the account. I asked for a Supervisor and was given to " XXXX '' in Florida. XXXX agreed to wave the {$3.00} charge and said she was sorry. As of this writing ( XXXX XXXX 2016 ) the charge still pends. 
Throughout the entire process I was given conflicting, contradictory and false information by AMEX personnel. I was outright lied to by AMEX personnel and Supervisors ( XXXX ) by them agreeing to assist me then not following through with what they said they would. Additionally, AMEX personnel claimed events that were simply impossible by citing incorrect dates and corporate policy that I felt they made up as they went. Closing an account and settling it, only to continually bill the member is deceptive and illegal. This seems to be the way AMEX conducts their everyday business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Amex with XXXX membership solicited a interest free introductory period which in my case was until XXXX 2015. XX/XX/XXXX the interest rate was to start accruing, however Amex has been double billing interest as well as finance charges on my account. I contacted them at least XXXX time to speak with a customer service representative which has been documented. They initially credited my account for XXXX of the interest rate charges and they backed them back into my account. I have only made purchases on this account and should not have been billed XXXX different interest rate charges as attached. This is in violation of their disclosure statement which clearly states the rate of interest at 15 % and there are not any disclosures which allow them to double bill interest rate : Your current annual interest rates as of XX/XX/XXXX:15.24 % Purchases25.24 %

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Hi, Thank you in advance for your help. We paid on our credit card balance of {$240.00} a " cash reward '' of {$200.00}. This {$200.00} reward was earned and was correctly credited for that month. However, American Express charged us a {$20.00} fee because we did not make the " minimum payment '' of {$35.00}. We talked to an agent on the phone, and they said they could not remove the fee. ( While this is not a lot of money, I am thinking of other folks who are charged fees in this incorrect or at least misleading manner. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express who I had direct deposit from XXXX XXXX has breached SEC rules and regulation. They have stolen money from my account and transferred it to an employee or another account. It was not there money to do so and the XXXX found out that employee assisted with this unauthorized transaction .I am desire all of my money back not just the XXXX back but all XXXX which was deposited because of the harassment and lack of integrity in which this corporation has none. I have had to wait which has caused other payments to be delayed since I am no longer working for a company that takes insurance policies and breaches security when it comes to paying your salary in this form. Please resolve this right away so I can legally pay my bills and hire representation to sue both this organization and employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. 
I have this private loan with UAS loans for {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: FL

Complaint narrative:
I have not opened an account with XXXX XXXX XXXX.I am not aware of any of the activity on the credit card. It does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for a credit line increase with AMEX during XXXX 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( XXXX letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bureau used in making this negative credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Below is information this is INCORRECT on my credit report. When I first moved back to FL XX/XX/XXXX I had signed up for XXXX XXXX for my TV, Phone and Internet. After having their HORRIFIC services for ONE week I called and cancelled, and asked that they come and REMOVE ALL THEIR EQUIPMENT, which they DID DO!!! However, they have harassed me for 4 YEARS about this so-called balance WHICH I DO NOT HAVE w/ them. I 've called, written & emailed them, as well as the Collection agency, but to NO AVAIL. I OWE XXXX {$0.00}, NEVER HAVE AND STILL DO NOT!!! The details of this ERRONEOUS REPORT are below. Please advise. 
Thank you. 
Last Reported XX/XX/XXXXCollection Agency XXXX Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
My servicer SETERUS approve me in XXXX XXXX, 2015 for a XXXX months trial payments reducing my mortgage payments to {$1300.00} it was supposed that my trial end on XXXX XXXX, 2015, and since then my mortgage will be permanent modified. Today XXXX XXXX, I still continue doing trial payments and anytime that I or my housing counselor contact SETERUS we received same answer that there is not news about final loan mod. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I filed a dispute form with Equifax regarding disputed XXXX account. Equifax responded on XXXX XXXX, 2016 stating XXXX was not reporting on their file. I enclosed a copy of the report page ( XXXX ) showing XXXX 's negative file being reported via letter dated XXXX XXXX, 2016, and again disputed the account as improperly being reported and that it was paid. Equifax failed to respond and again on XXXX XXXX, 2016 I filed another request form disputing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler , LLP said : Explanation of closureDear XXXX XXXX XXXX : Your complaint involves a bill for medical services placed in this office for representation by XXXX XXXX XXXX of XXXX XXXX, XXXX. On XXXX XXXX, 2015, this office sent both you and your wife a Fair Debt Collection Practices Act ( FDCPA ) letter pursuant to federal law allowing either of you the opportunity to request verification of the debt. Your initial request for verification was received on XXXX XXXX and this office responded by way of letter dated XXXX XXXX. On XXXX XXXX, 2015, this office received correspondence from your wife indicating that the debt was still disputed as it was believed some payments you had sent to XXXX XXXX XXXX were not properly credited to your account. This office responded by way of letter dated XXXX XXXX and invited you to bring to our attention specific payments which you believe had not been credited to your account. Thereafter, your wife responded with a ledger showing payments made directly to our client and a letter indicating she still did not believe the debt was verified. This office sent you a third response on XXXX XXXX, 2015 advising that information sufficient to verify the debt had been provided. Moreover, upon review, it appears your account was already credited with the XXXX payments totaling {$65.00} that you have made since the time the account had been placed with this office. A balance of {$1000.00} is currently due. As to the inquiry made on your credit bureau, on account of this firm 's representation of XXXX XXXX XXXX, such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. If you desire to voluntarily pay this matter without judicial intervention, you may contact Attorney XXXX XXXX XXXX at XXXX ext XXXX. 

Please review the above they are all over the map on this based on there response I do not have an account with there client my spouse does and that matter is being Address under separate cover. Case in point Can this Attorney product a document or contract Sign by ME? if not no verification of debt no standing and this is just disregard for the above mention law. as stated in there response " such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. Please do not threaten ligation if you do not have standing under the law. in addition Phone call to your office will not preserve my rights under the US code that regulates there company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had a dispute over some inaccurate information that Equifax supposedley verified, but they did not do an actual investigation. I called Equifax 's customer service number and the employee said that Equifax is n't responsible for actually verifying information, they just send the dispute, and the " verification '' is done through XXXX, in which all the creditor has to do is say their information is correct, and " that is good enough for them ''. 

XXXX XXXX Dictionary describes verification as " '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' So in order for them to TRULY verify this account, they should be able to show me the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX Dictionary which defines what " verification '' actually is. If not FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. So this should be deleted.

Company response to consumer: Closed with explanation