vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. 
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. 

I will be more than happy to issue out a credit card agreement to you. 
Please allow up to ten business days to receive it. 
We appreciate your business and your loyalty. 
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 
Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Weinman Acquisition Group
State: CA

Complaint narrative:
was threatend to be sued and wages garnished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: GA

Complaint narrative:
Aargon Collection Agency ( ACA ), is an unlicensed ( per state of The State of Georgia XXXX ) debt collector who has illegally accessed my credit report without my express consent, authorized signature or by court order. They have attempted to collect a debt without stating the amount, used unfair unconscionable means to collect or attempt to collect the alleged debt, used false representation or deceptive means to collect a debt or obtain information about a consumer. Please assist me with this debt collector with unscrupulous behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LEADER ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a home in XXXX and moved out of it in XXXX. It has been a rental since XXXX. I have applied with 5 lenders for a refinance since XXXX. All mortgage lenders have confirmed value of house is {$200000.00} and payoff balance is {$78000.00}. I have been denied a loan five times because I do not have 6 months worth of monthly house payments in a seasoned bank account. I have been told there are " government guidelines which require the 6 months reserves ''. I was denied a modification by my current lender because they are a servicing company and because my payments are current, house is worth {$200000.00}, and has rental value of {$1400.00} and I receive $ XXXX monthly income from tenants who have lived in the house since XXXX. There was a " balloon '' payment due XXXX/XXXX/XXXX. 
My mortgage company has notified they will forebear any foreclosure as long as I continue making the house payments. 
Can you provide me the name, address and telephone number of the government agency who can verify if this guideline only applies to a new purchase and not to a home i purchased 39 years ago. Please provide me with all pertinent information as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Taurus Law Group, P.C.
State: VA

Complaint narrative:
After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from XXXX to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to XXXX, but never received a final statement from XXXX. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to XXXX that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from XXXX. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both XXXX and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but XXXX refuses to honor their side, and I need assistance with getting XXXX to get them to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
i called american express about some scam companies i paid for an at home business.they would only open up a few disputes for me .it really bothered me because services were not rendered.i know they can go back further than 60 days.the first charge happened on XX/XX/XXXX.for XXXXthe merchant was ie plexus.then i paid XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX how could they only help me with the last XXXX. american express declined to help me with the others.other people have told me amex has gone as far back as 2 years.ifeel i am being but off as a consumer.speaking about this in the same phone call they opened disputes for me all the way to XX/XX/XXXX.what am i supposed to think? on the third one the merchant was XXXX.they charged me XXXX on XX/XX/XXXX and they would not open it up.how can they open XXXX and not the other. the rules must be the same.i talked to a rep called XXXX who did not seem to responsive to my situation.amex is not treating me fairly .these companies have broken several laws, telemarketing and federal, yet there allowed to have a merchant account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Midwestern Audit Services, Inc
State: MI

Complaint narrative:
I am getting threatening calls for medical debts with XXXX XXXX and XXXX other medical collectors, they have wrong insurance information, I gave them correct insurance now they are rebilling Medicare as I do n't have Medicaid. All this is error on their part. I have never received a bill on medical ever as Medicare pays 100 %. Hassling and threatening calls stating I be taking to court ... harassment.

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 2015-05-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ceannate
State: MD

Complaint narrative:
After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. 
The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Claim to be XXXX and XXXX, but will NOT give me an address to send a letter requesting proof of debt. Called at XXXX in the morning on XXXX occasions, have claimed to be a legal office, an investigator, etc. Have threatened to garnish my wages, and when I told them they ca n't do that without taking me to court and proving the validity of the debt, they wo n't give me any more information. I 've received nothing in writing AT ALL. They have told me to go home and wait for my summons, but wo n't give me any more information. Illegal on soooooo many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: FL

Complaint narrative:
Midland Funding has been calling me and mailing me for a long while claiming I owe them {$9200.00} on a XXXX account numbered XXXX. I have stopped paying all XXXX accounts as of XX/XX/XXXX due to facing devastating financial losses at the time. We know XXXX does not allow reporting to credit bureaus on delinquent accounts that are over 7 years old. I contacted XXXX, and they confirmed that no such account number existed in their systems. I have detailed stored information on my servers going back to XX/XX/XXXX and I attest that I have never had this account. I contacted Midland Funding and they had me on hold for very long times, and were not willing to send me proof of payment made by me on this account less than 7 years ago. I am getting declined on credit applications due to this derogatory information being reported by Midland Funding. 

They have themselves admitted to XXXX on the attached report that the account was to come out on XX/XX/XXXX, yet they are not willing to remove from XXXX. I have disputed with XXXX, but they claim Midland will not remove. 

I request the assistance of the CFPB to get them to immediately remove this false and damaging trade-in/collection. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have an old Asset Acceptance account from XXXX XXXX ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). Asset Acceptance has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. Asset Acceptance has violated my rights as a consumer and XXXX terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against Asset Acceptance : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: CO

Complaint narrative:
XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to. 

They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me. 

They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights. 

I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me! 

They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
DCI credit in XXXX XXXX told me the hospital was charging me all the interest on my medical bills. NOT THEM. They said My payments went to " legal stuff '', " other accounts '', " interest ''. I have asked for statements and they just send confusing print outs. They wo n't send statements or letters. The website says you can see open and closed accounts - send email. This is NOT true. XX/XX/XXXX I owed XXXX. Made payment of XXXX. I then owed XXXX in XX/XX/XXXX. I was told my payment went toward interest and yes I now owe more.

Company response to consumer: Closed
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
NCO Financial Services is robo calling my home at least 4 times a week including weekends. The phone number they are calling from is XXXX. I do not have any debt. These calls are annoying and I consider them harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA
State: OH

Complaint narrative:
I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I 'm writing because the a man today his name was XXXX XXXX the other days he 's had different names and he calls from a variety of different numbers from different states within the United States he claims that he 's with Midland funding and I manage my account with Midland funding over the Internet he is also claimed to have access to my credit card information and is increasingly and increasingly attempting to make each call more personal and has even reference my location and what I 'm doing for the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
The American Express Blue Cash Everyday Card offering brochure claims " Cash Back '' multiple times ( 5 times ) in its description of the incentives ; however, the " fine print '' states that " cash back '' is provided " in the form of Blue Cash Reward Dollars ( reward dollars ) ''. This is clearly false advertising and misrepresentation of the term " cash back '' employed throughout the descriptive attachments provided by American Express in its Blue Cash Everyday Card application package. American Express should be required to withdraw all related documents to the Blue Cash Everyday card, revise all documentation to eliminate all references to " cash back '' ( since they NEVER intend to provide the customer with cash ) and be subject to a penalty for the false advertising.

Company response to consumer: Closed with explanation