vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
TH Professional put XXXX collections on my Credit Report and when I called to ask why they said some new debts came through. I stated that I had not received a bill so why are they putting collections in my Credit report. They said they would send me copies of the debt. I received a letter from them indicating the amounts they said I owed but there was no date of service and no patient name. I did not receive a notice of right to dispute in the letter - so I sent them one back disputing the debt and asking for additional information ( i.e. dates of service and patient name ).

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 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My husband and I were approved for a mortgage with Endeavor America, almost a month later the lender changed the terms and established a deadline which stated we needed to close by XXXX XXXX. Endeavor never notified my broker, agent or myself in writing or verbally of this new deadline. My team pushed to get the loan closed by XXXX XXXX for other reasons but was told by the lender that they did n't have anyone in the office who could complete our loan because everyone was on vacation or was busy working other files causing us to miss their newly imposed deadline they never told us about. Sometime in XXXX we received a call from the Endeavor underwriter, during that call she explained that they ( Endeavor ) made a mistake by not notifying my broker and agent and that they were sorry for the inconvenience. She also stated that my broker and agent was completely unaware of the newly imposed deadline because she had somehow missed putting the notification on the approval and never sent the new terms. In XXXX my broker spoke with an Endeavor representative about another file and was informed that " they do n't do that type of loan any longer '' so my broker asked " what about my XXXX file '' and the representative told him everything was fine. Shortly after we were notified of the cancelation. They then told us they would only make the loan if we gave them an additional XXXX XXXX XXXX dollars when our original down payment was around XXXX XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a notice in the mail on XXXX from Convergent Outsourcing , Inc. stating I owed a debt to XXXX. On my credit report from all three major credit reporting companies that I had an account opened with XXXX in XXXX of XXXX. 
I sent a letter via certified mail to Convergent Outsourcing, Inc. on XXXX requesting verification of the debt owed. They mailed me documentation on XXXX indicating an account from XXXX had a remaining balance. However, in California, I understand the statute of limitations on debt collection is only 5 years? 
I am confused as to what my next step would be and how to get the negative information removed from my credit report as it is inaccurate. So it 's not exactly that they are trying to collect the wrong amount, but it is that non should be owed because the debt is from 6 years ago. 
Please provide some assistance. Is this illegal and aggressive debt collecting or am I misinterpreting the situation. The fact that they purchased and opened this debt in XXXX and reported it to the credit reporting agencies as an unpaid account opened with XXXX before I had received any communications about the debt or had any chance to dispute it seems unsettling. 
Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Between XX/XX/2016 - XX/XX/2016, DIVERSIFIED CONSULTANT called me over XXXX times. Sometimes 3 times within the same day. I tried to answer every call. Each time, they would say that they have an important legal matter to discuss and would ask me to verify the last XXXX of my SS # and/or DOB. Each time I told them that I do not/would not provide my personal information over the phone without knowing the specific reason for the call. They said that they could not give me any details until or unless I verified my personal information. Each time, I asked them to send me correspondence regarding the matter and I would then respond accordingly. I then gave them by PO Box mailing address. I NEVER received any written correspondence from DIVERSIFIED CONSULTANT. On XXXX XXXX I checked my XXXX credit score and credit report and found that a collection from DIVERSIFIED CONDULTANT was there. I called the number listed, and explained that they were improperly reporting the collection of a debt that had not been verified as mine. I gave them my name and mailing address and the partial account # as reported in my XXXX credit file. They did not have a match in their file. They insisted that they could not help me further without providing the last XXXX of my SS #. I provided the SS # s numbers and they pulled up the account. The address that they had in their file is not nor has it ever been my address. I asked them had they ever sent me correspondence about the debt. I was told that a letter was sent on XXXX XXXX to the address in the file -which again is not my address. I then asked for a fax number so that I could write them regarding my frustration and how they were improperly and probably illegally reporting this debt to XXXX and/or other credit agencies. I was given the fax number XXXX. I tried more than 20 times to fax to this number between XX/XX/XXXX-XX/XX/XXXX at different times throughout the day and night. IT ALWAYS rang busy - as late as XXXX EST as well as XXXX EST. I called back on XX/XX/XXXX and XX/XX/XXXX asking for an alternative fax number each time. I was told that this was the only fax number. I explained that the debt was not mine, the address they had on file is not/was not mine, that they had not ever sent me any correspondence and therefore I know that they had not properly verified the debt as I read and understood the fair debt collections practice act. I told them that I wanted a valid fax number so that I could fax them immediately or for them to remove the collections account from my credit file. I was told that my only option was to write them. I thanked the representative for his time and told him that I would be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX/XXXX/2016 Capital One called me and asked me to verify that I was me and asked for copy of my driver license, social security card and electric bill. When I told them I did not have an electric bill, they then asked for my bank statement. When I refused, they then threated to not only to close the account I had just applied for, but also the account I had for over a year. After speaking to their representive for about 30 minutes asking for a supervisor without her giving me XXXX, I did tell her to close the accounts in frustration. 
I believe that was too much information, as well as being disrespected by their representive by not allowing me to speak to anyone besides her. 
Later that night I called back and was told by a supervisor that was the only way to keep both accounts open. Even the original XXXX. He also told me a more secure way to send they information rather than faxed as I was told at first. So, I sent it. However, the account was closed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A collection agency named " Midland Credit Management " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " Midland '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been trying to open an American Express Serve One VIP prepaid account for the past month and a half, with no success. I used to have a Target Prepaid REDcard by American Express, which I closed in order to open a Serve account. On a recorded phone line on XXXX XXXX, 2016, XXXX in Account Protection Services stated : " rest assured that you will be able to sign up for another American Express Serve card. '' Nevertheless, despite numerous attempts online, over the phone, and by mail, I am still unable to open a Serve account : I keep on getting " Unable to Sign Up '' errors on the webform. I contacted them by certified mail on XXXX XXXX, 2016, and have yet to receive a response. The whole thing has been a big waste of time, and as of XXXX/XXXX/2016 I still am unable to open a Serve account as promised. I believe that American Express Serve is discriminating against me and similarly situated customers, and is not exercising due care in the management of personal data on their finance platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express does not list the actual due date of my credit card statement. Instead, they put a " Please Pay By '' date that is early in order to trick consumers into paying off their bill early. This is extremely misleading and, frankly, predatory. Companies should be required to list the actual due date of a bill to avoid fees and credit issues - it is a pretty simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XXXX XXXX, I received XXXX American Express ( Amex ) credit cards : Blue CASH and Blue Cash REBATE. I charged {$220.00} to the REBATE card. 

In XXXX XXXX, I found out that the REBATE card had an annual fee, so I cancelled it and arranged for the {$220.00} to be transferred to the CASH account. 

My next Amex statement was for {$220.00} to the REBATE account. I paid off that account on XXXX XXXX, XXXX. 

Amex notified me in XXXX XXXX that the CASH account had an outstanding balance of {$220.00}. I explained that I had made that payment to the cancelled REBATE account. I sent a proof of payment for Amex to conduct an investigation. I would not be able to use that card during the investigation. 

Amex called in XXXX XXXX ; the customer service person said " everything is fine, and you may use your CASH card again. '' I made a charge in XXXX XXXX. Then I was again notified in XXXX XXXX that there was an outstanding balance of {$220.00}. I sent another proof of payment, and they were to conduct another investigation. 

I received several robocalls In XXXX and XXXX XXXX demanding payment for a balance over {$300.00}, the original {$220.00} plus late fees and interest. I called Amex to remind them that my account was being investigated for the lost payment I 'd made in XXXX XXXX, and was told the investigation was ongoing. In XXXX XXXX, my CASH credit card was cancelled by American Express. 

In XXXX XXXX, I received a check from Amex for {$220.00}. Experian notified me via email that my credit rating was hit with a XXXX-point subtraction from Amex. In XXXX XXXX, I received a demand for payment of over {$400.00} ( balance due + late fees + interest ) with the threat of sending the account to a collection agency if I do n't pay that amount by XXXX XXXX, XXXX. 

In addition, in XXXX XXXX I discovered that I had paid over {$700.00} more than the balance due for a previous Amex credit card account. Amex called and opened a new credit card for me, promising that a check for the overpayment was " in the mail. '' I never received that refund due. 

I am beyond frustrated. I have written and called about that the {$770.00} credit due to me ; they deny even knowing about that account I had ( I have the account number and have provided it to them, but with no response ). 

Please help me to communicate with Amex about this untenable situation. I am willing to sue if necessary. 

I will need help in recovering the documentation for the {$770.00} overpayment. I got the account number and amount from my XXXX credit report online, but did not copy the entire report. I have not yet tried to retrieve those proof of payment documents, but plan to do so today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: NY

Complaint narrative:
My student loans were deferred while in graduate school and recently became eligible for repayment. I had existing ACH auto debit instructions setup with Mohela, my loan servicer. Upon the end of deferment, only XXXX of my XXXX loans were drafted by ACH. I was misled to believe that setting ACH payments would include all loans. This misstatement resulted in my remaining loans to be late, incurring additional interest. It was only by chance that I logged onto the Mohela.com website to check my loans that I noticed I was one day late. I am signed up for paperless statements and did not receive an email, phone call, text message or other notification that my loan was delinquent. Had I not logged onto the website I would not have known I was late, would have incurred additional interest charges and possibly had a negative impact on my credit score. I confirmed that all my contact information was correct to ensure any communication from Mohela would be received without error. It is clear that Mohela is purposefully misleading students and borrowers about their ACH auto debit practice. This is a misleading, wrongful practice designed to delay payment to the loan servicer. As such, it increases the interest students pay on their loan and generates a larger profit for the loan servicer. If Mohela were honest about their ACH draft policies, they would have sent correspondence clearly stating that not all student loans are enrolled for ACH debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Sent a cease and desist letter to midland credit management on behalf of my mother who is suffering from XXXX..she is currently in a care facility and is unable to afford any bills..this cease and desist letter was sent out in XXXX of 2016..going through her mail today..there is correspondence from Midland Credit Management again asking for payment..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows the consumer to get a free credit report if an application is denied. However, the consumer can only get a free report from the credit reporting company that provided the report used by by th lender to make its decision. We were denied credit when American Express cancelled our account. Under law, American Express should have properly provided instructions for us as to how to request our report from XXXX or from XXXX or more of the other national credit reporting companies upon which American Express relied in its decision to not reinstate our account, which is legally of the same significance as an application for credit being denied and is therefore subject to this legal requirement. American Express has not done this. Furthermore, our account was cancelled in retaliation for us exercising our legal rights through FCPB. Our account was never charged interest, and all late charges were reversed. This shows we were never late, and the truth is we had a valid dispute that was never properly investigated. All we ever asked for was a line by line reconciliation of a total that was greater than actual charges that we made. We said over and over again that if American Express could show us what we owed and where the charges were, we would gladly pay them for these charges. We did dispute as well an unauthorized charge, which American Express paid, refusing to honor our wishes. We also believe American Express closed this account wrongfully so it did not have to pay out on our rewards points, and but for the crediting of the account of the late charge days before their closing of the account ( an admission we had a valid legal dispute ) we would not have made certain substantial charges on the account, and would have used cash instead. Also, it seems the complaint I made about this same thing on XXXX/XXXX/2015 has disappeared from this complaint process, and it was not a double complaint -- it was a first on the above subject.. So what happened to my complaint of XXXX/XXXX/2015? And XXXX more thing, the only way I ever get a response from American Express is through their response to this complaint process, and as you can see they state my letters will only be filed and not responded to by American Express -- proof again that American Express has refused to give us any answers about the fraud in this account from which they have benefited directly through collection thereon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Beneficial Homeowner Service Corporation is not taking responsibility for incorrectly posting a payment to our home loan in XXXX 2014. They took our XXXX 2014 payment and applied it to XXXX 2014 after they had already posted a payment to the account for XXXX 2014. In XXXX 2014 they told the bankruptcy court that we were up to date. In XXXX 2014 they told the New York State Attorney General that we were up to date. Their own accounting records which they sent to us show that we were up to date when they made this mistake in XXXX 2014. When they sold our loan to XXXX effective XXXX XXXX, 2014 they provided them with false information forcing XXXX to assess their own late fees and require us to make another monthly payment to bring our account current. It is clear that Beneficial can not understand and decipher their own accounting records.

Company response to consumer: Closed with explanation