vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Epn, Inc.
State: HI

Complaint narrative:
XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
My Issue Is with This Collection Agency Southwest Credit System. The Company Keeps Putting the Same Fraud Account on My Credit Reports thanking I wo n't Catch it when they Sneak and try to put the Account on my Credit reports. The Company Has known that 's it 's a Fraud Account for A While Known. The Original Company XXXX Did n't Hold Me Responsible to Pay off A Fraud Account that Was n't Open by Me, But This Collection Agency Want to Hold Me Responsible Since They Bought This Fraud Account, And Keep harassing me to pay for this Fraud Account. I 'm Not Responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
In a recent review of my credit report, I noticed that SW CREDIT SYSTEMS L.P has placed an erroneous and derogatory entry, claiming that I owe them {$230.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since SW CREDIT SYSTEMS L.P saw fit to place this item on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of this debt. 

Please also be advised that this letter is not only a formal dispute, but a request that they cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This is an erroneous and fraudulent debt. This apartment complex made false charges of damage and never notified me. I am on XXXX housing in order for me t move into or out of an apartment an inspection is done if there were damages I would have had to repair them prior to leaving in order to be issued another housing voucher. Years later this shows on my credit report while I am trying to rent another apartment. I asked for proof of debt and was given an invoice that is not proof pictures would be proof not something that someone wrote down. Due to me being on housing I only have a small amount of time to secure another residence or I will lose my housing voucher. So after going back and forth the new apartment complex said well if you pay half of the debt we will rent to you. So I paid XXXX on a debt I do n't even owe and the company National Credit Services refuses to give me a receipt so that I can show my new apartment complex and secure the residence. As a result I know had until XXXX today XXXX/XXXX/2016 to turn in my new housing or I will be removed from the housing program. I begged, pleaded and cried explaining that I am elderly and XXXX and about to become homeless if they could please provide me a receipt for my payment they adamantly refuse and I am now going to be homeless all because they refuse to provide receipt of payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XXXX, I had a contractor come out to the house to give me a quote on fixing the roof. We had some damage to the ceiling, and wanted the roof fixed before having the interior fixed. After examining the roof, the contractor said we needed a whole new roof and recommended we file an insurance claim since the damage had caused by weather. I filed a claim with my insurance company, XXXX XXXX XXXX, and had the contractor schedule us for the new roof, since we did not want to take the chance of further damage to the interior. XXXX XXXX processed our claim quickly, dispatched an adjuster, and processed the claim. In the meantime, our contractor put on a new roof. When the claims check arrived, in addition to me, the check was also made out to XXXX XXXX XXXX and Huntington Mortgage, the lenders. I understand why they were included. XXXX XXXX XXXX was most gracious and was quickly able to arrange for endorsement of the check. Huntington, quite simple, is terrible. When I called, I was told they had MAIL me a packet of information that I had to complete, and that would take 7 days for me to receive. It actually took XXXX. What I received was a letter telling me they were n't going to pay for the roof ( WHAT? ) along with instructions to MAIL the insurance check, unendorsed, something else, and an affadavit that was supposed to be enclosed ( it was n't ). I immediate called them and, of course, got no one and had to leave a message. I 'm sure it will be next week if anyone returns my call at all. Surely, there must be, if not a law at least a rule against a bank holding my claims check hostage?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
Consumer went online and filled out an application after receiving thousands of offers from Springleaf. I was approved for {$2000.00} instead of the requested amount of {$2500.00} and that I should go to a local branch to complete the loan. Right of the bat consumer could feel that the environment was XXXX. Was working with a rep and gave my pay stubs which stated {$110.00} short because I had inputted my gross pay amount and not net which is {$2700.00} -- not {$2900.00}. Rep stated that she tried calling me but received a message about the network ; however I had just moved to a house and was transferring service that would complete on XXXX XXXX, 2016 by XXXX. The branch manager, yells that I was disqualified because I had not phone. The fact is I have a cell phone and a landline that was being transferred. He was operating on stereotypes and assumed I had no phone. I immediately cleared that misunderstanding up, but then the rep stated that I was over the income limit as far as payments. I could not understand the problem and requested a listing of my debts, and low and behold Springleaf had tacked on a bogus payment of {$82000.00} for a student loan that has a {$0.00} payment. I immediately called XXXX and XXXX -- the XXXX credit reports used -- inquiring about this bogus {$820.00} payment. The branch manager yelled again that the credit bureaus will take 30 days to correct, and I responded back that if a blatant dispute was done via phone it would be immediately removed. He did not want to rectify the problem even though there was a blatant mistake on my application. The environment was too XXXX, so I asked for the next nearest local branch, and the rep reluctantly gave me the location. I had my filed transferred to another location. This location was more reasonable and understanding and requested documentation that my student loan payment was {$0.00}. I submitted this information, but this documentation was not enough and Springleaf corporate wanted a statement stating that for two years, my payment would be {$0.00}. XXXX XXXX does not operate this way. Recertification is every year, and for three years I have been recertifying with the same income and medical issue. I called both XXXX and XXXX this a.m., and they both stated that they are not reporting any {$820.00} payment for XXXX XXXX and that they were not reporting any payment. I insisted a {$0.00} payment be added to my credit report and not left blank. Springleaf is a scam because they would not adjust the approved loan amount to fit the {$110.00} shortfall. The adjustment could easily be done. An approval was granted for {$2000.00} with {$2900.00} income, why not make an adjustment for the {$2700.00} net income. Springleaf was adamant that the amount had to be {$2000.00} with a {$2900.00} income. Seems unreasonable and unfair dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have repeatedly requested that THE BEST SERVICE COMPANY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
Saturday morning calls ... coming from your XXXX office ... XXXX ... Sounds a bit like harassment would n't you say??? I spoke to XXXX & explained my situation. I am sitting at XXXX Hospital with my Mother. We 've been here since XXXX. I asked a couple of weeks ago for XXXX to have XXXX ( especially ) & anyone else from there to stop calling me over & over while I sit here with my XXXX Mother. I am not working right now & I do not care about anything but her!!!!!!!!!!!!!!! The harassment needs to stop it is CRUEL!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reported the issue of identity theft and fraud on my credit report since XX/XX/2012. I have sent multiple letters to Trans Union, including my latest one that is being attached. 
What I receive in reply is platitudes but no positive actions. I can only now appreciate the nightmare of ID theft. 
My latest from Trans Union was my credit report with a credit score that was substantially higher than when the ID theft occurred. To my surprise when my broker pulled my credit score from Trans Union XXXX Risk Score Classic, it turned out that TransUnion did NOT update the information or lied to me. In effect they told me one story and another to their reporting agency. That makes them party to a fraud. Since you are a federal agency, can you rectify what appears to be fraudulent reporting by TransUnion.

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 2017-01-18 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged bank acct wrong day or amt — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
OneMain Financial ( Springleaf Financial ) Lender caused overdraft fee for XXXX dollars. I had auto pay setup for my loan account and paid it early. I paid it on the XXXX of XXXX. It stated online that nothing was due, indicting that the autopay would not take money from my account. Yet on the XXXX of XXXX, the money still came out of my account, causing me to pay an extra month early and a XXXX dollar overdraft fee. I called requesting that they refund the XXXX dollar overdraft fee and they would not. I also unenrolled out of auto pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. 
I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: WA

Complaint narrative:
Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding is currently reporting XXXX collection accounts to all XXXX credit reporting agencies. This is not my account. The accounts ( XXXX, and XXXX ) that were sold to Midland Funding are not my accounts. 

The XXXX and XXXX accounts were reported fraudulent/stolen and I was told they were closed when I originally discovered them. For some reason they were reopened and sold to Midland. I was never made aware of it. 
Midland has never sent me a letter advising me of the debt ( which would be disputed because they are n't mine ), nor have they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
We have spoken to both American Express and the merchant, XXXX, on numerous occasions to attempt to correct this issue. We purchased an item through XXXX, and returned the item. Tracking information for the return was presented to both XXXX and Amex, and there is no dispute that the item was returned, to our knowledge. For some reason a charge, reversal, and a second charge for the item appears on our Amex statement. So, in essence, we are being charged for the item even though it was returned ( second charge for same item ). When we contact Amex, they tell us to contact XXXX. When we contact XXXX, they tell us to contact Amex. The amount of the charge is {$290.00}. If the amount were small, we would have just let it go at this point because of the hassle. Unfortunately, the amount is sizable, and we want the amount credited to our Amex account. ( Again- no one is claiming that the item was not returned. They just can not help us with the faulty accounting / secondary charge to the account for the same item that has been made in error, and apparently no one at Amex is willing to do the research to correct it. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XXXX XXXX, 2016, i call American Express Serve to report a transaction i did n't recognize, XXXX told me that they would do an investigation and get back with me. On XXXX XXXX, 2016 i was about to pay for breakfast with my card and it declined. I check my balance and my payroll deduction was there {$950.00}. I called XXXX and was told that i was issued another card and that the XXXX i had was closed, and that i had to wait until the new card arrived. I was due to go on a trip the next day. I had to borrow monies to take this trip because i could n't get my monies off my card. When i returned from XXXX TN i had learned that my card had not arrived I called XXXX an demanded that they do a XXXX XXXX so that i could pay back the monies that i borrowed they stated that they would do this one time and it would be done the next day. I had requested this to be done before i went on my trip i was told that they could n't do it. I received my money on XXXX XXXX but i still had not received the card i needed it because my next payroll deduction was to be placed on XXXX XXXX. XXXX needless to say XXXX decided to issue me another card on XXXX XXXX so here we are waiting yet another 10 days for my card to arrive I was told it would arrive today XXXX XXXX, 2016 my monies are still on the card. I 've had to prolong paying some of my bills because of this delay. When a person has monies on their cards there should be some kind of policy where it 's treated like an emergency and instead of XXXX to 10 days to receive a new card it should be overnight or XXXX to 2 days people are being put in hardship for nothing. I had have removed my payroll deduction to another bank but i will only use XXXX for minor things like online shopping. I will never get put in this position ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I used my American Express Bluebird card to withdraw {$500.00} from a XXXX ATM on Approximately XXXX XXXX, 2016. Following this withdraw there were XXXX unauthorized transactions, in the amount of {$20.00} per transaction, for XXXX. I notified American Express Bluebird on XXXX XXXX and they opened my claim, I would call and follow-up on my claim and I was awarded {$20.00}, on XXXX XXXX, for XXXX that they felt was fraudulent/unauthorized. However, I was notified via email, on XXXX XXXX, that the remaining XXXX, identical transactions, were considered authorized. My account was also immediately canceled by American Express Bluebird stating I was in violation of the agreement section 22D on that same day. I spoke to a representative and was told that the department that reviews and declines disputes is unreachable that there is no email, fax, telephone or address on file and their decisions are final.

Company response to consumer: Closed with monetary relief