vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I have received continuous calls from '' Transworld ''. They will not tell me WHY they are calling. They only want verification of my personal info. I 've asked them not to call unless they tell me who they are and why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I have used American Express prepaid cards from XXXX for many years. I usually keep a few as I use them as gas cards when I purchase gas for my RV as we are retired and travel all the time. My AE prepaid cards quit working and AE said I had to fill out a " Who are you '' form on the internet before they would be reactivated. The form wanted my social security number on it so I questioned why a " Travel Agency '' needed my social security number at all. I protect my social security number as well as I can and only give it to institutions that really need it for financial reasons relating to the IRS. I probably have about {$3000.00} on these cards and I ca n't seem to get AE to tell me how to get MY money back from them. I have used these prepaid cards for years and have never had this problem before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
After graduating high school, I wanted to pursue a career in XXXX or learn how to be a XXXX. I went to XXXX XXXX in XXXX to discuss my options with an admissions counselor. They made me feel as though I was unique and that they only let certain individuals with certain vision attend the school. I was accepted and felt great. I started attending classes after getting a cosigned loan. 

Shortly after attending classes it became clear to me that this was a scam. My teachers barely understood what they were teaching and would not answer my questions regarding job placement. The job placement conferences were laughable. They were not in any way applicable to what I was going to school for. Kiosks were set up by companies offering minimum wage to conduct work for hire that was not in anyway related to my subject of study. 

Often I had to teach myself XXXX and the functionality XXXX and ask if we were going to actually discuss the movies we were watching. I could 've rented these films or purchased them on my own without a loan and without wasting my evenings after work. 

Then I realized this loan was going to get very large over the course of 4 years. I started expressing my concerns to XXXX teacher who seemed unhappy with his job and whom I was able to talk to after the end of a class. He too was unhappy with the situation at the school and told me to get out, that I was catching on to something much larger than I knew, that I needed to leave before I had too much debt pile up. 

I decided to listen to his advice. This was in XXXX. It is now XXXX and although my loan has been paid on, on time, each month all this time, it is not going down, it is increasing. I have asked for settlements I have asked for loan forgiveness. Nothing is offered. The school, XXXX XXXX is officially closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE????????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is not allowing me to make payments to my account. When I have asked why, I have been told XXXX separate things by different chat representatives:1. That there is a thirty day hold after you make your first payment from a new bank account. This is not true, because I have made XXXX payments so far from that account. 
2. That you can only make a payment up to your current statement balance. This is not true, because I have already made a larger payment than my current statement balance. 
3. That the system sometimes will not allow payments but there 's no reason to explain why. 

I am disappointed that these XXXX explanations contradict each other, and that none of these were explained in my cardmember agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
THIS REPORT WITH SUPPORTING DOCUMENTS WILL BE ATTACHED. 
1. Since XXXX I paid my credit card bill each month soon after I received it. 
2. On XX/XX/2016 - around the time Citibank was transferring my credit card from the original XXXX Universal Card to the Citi Preferred Card - I paid my XX/XX/XXXX bill online. 
3. I printed Citibank 's receipt of my online payment. 
4. My bank XXXX XXXX XXXX never received a transaction request from Citibank. 
5. I was surprised to see my XX/XX/XXXX charges plus a late fee on my XX/XX/XXXX bill. 
6. I paid my XX/XX/XXXX and XX/XX/XXXX charges. 
7. I sent Citibank a copy of the receipt of my XX/XX/XXXX online payment. I noted that the glitch had to have occurred on their end, since it was around the time that they were processing a transfer of my card. 
8. I requested that they drop the late fee. 
9. Citibank refused my request. 
10. CITIBANK 'S POLICY IS TO BLAME ITS CUSTOMERS FOR CITIBANK 'S ERRORS! 
11. I closed my credit card account. 
12. I am receiving extraneous communications from Citibank.

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 monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA
State: CA

Complaint narrative:
I have been paying my daughter 's student loans for the past 20 years and I have never been missing a payment. Throughout the years I received notifications of the loan being sold to various service industries. The original loan amount was $ XXXX and change and after 20 years, the balance is $ XXXX and change. This is not right and I would like the consumer affair to conduct an investigation into the US Department of Education and its servicing industries. 
My daughter attended the University XXXX from XX/XX/XXXX to XX/XX/XXXX, I started repaying her loans immediately after. I am barely making ends meet, near the end of my life and do not think I will be able to payoff this loan, however, the number of payment I have so far made is double the original amount and I would really need an investigation to be made into the manner loans are being managed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date. 

I have been going round and round with Midland Funding and XXXX/XXXX with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a XXXX complaint. 

After numerous attempts with Midland and XXXX directly, I filed a XXXX complaint in XXXX XXXX, information received from Midland on XXXX/XXXX/XXXX, rebuttal sent back on XXXX/XXXX/XXXX and a final response on XXXX/XXXX/XXXX. I received comments from XXXX on XXXX/XXXX/XXXX, sent a rebuttal on XXXX/XXXX/XXXX, and then a final response on XXXX/XXXX/XXXX. 

XXXX advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse. 

Midland is stating that they opened the account in XXXX XXXX, but XXXX sent me a letter stating that they did not sell the account to Midland until XXXX XXXX. Additionally, Midland is reporting differing dates of delinquency, etc. 

My husband is a XXXX veteran, and we are in the final stages of getting our VA Home Loan approved. Based on the inaccuracies with Midland Funding 's reporting, our mortgage " tri-merge '' is not coming through clean. We have XXXX bureau reporting XXXX as an OPEN creditor ( not collection agency ) that shows updates each month. This is a " Paid in Full '' account that was closed in XXXX XXXX, yet it shows " pays as agreed '' each month now. And even after these numerous updates, I now have a XXXX XXXX update on XXXX bureau that shows up as a Collection activity for XXXX XXXX ... again, on an account that was closed last year. This was again verified as " accurate '' today, XXXX XXXX, XXXX and shows XXXX days late for XXXX XXXX. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the " accurate '' picture is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding has been reporting on my credit reports for over XXXX months and I have never received any initial communication in order for me to verify the debt is mine and accurate. This is the law. This is a major violation and would it taken care immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. Auto Credit Corporation
State: KY

Complaint narrative:
I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Company has informed me that the statue of limitations has expired on the debt and it is a violation of the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq, to sue for a debt which the statue of limitations has expired. However if i do n't reply to this letter they have sent me or pay the debt in full they will issue a wage garnishment to my employer. And stating again " the only way to prevent this is by paying them in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: NC

Complaint narrative:
I have been harassed by Midland Funding, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ), on and off for several years. On XXXX XXXX, 2012 I sent them a letter asking for validation of a debt they claim I owe. They never responded to me, but instead put the debt on my credit report as their own debt, with a falsified Open Date. 

I then sent them a letter demanding either proof of debt or removal from credit report. They ended up removing it. Now, XXXX years later I see it once again on my credit report. I am done talking to them, I now wish to file a public complaint and if they do not remove this from my credit files within XXXX days of today, I will file a lawsuit against Midland for several violations of the FDCPA over the last XXXX years. 

I have never had an account with Midland Funding, and do not appreciate them popping up on my credit files every few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX 2014 I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. I was told the vehicle I purchased had only XXXX previous owner and was a clean no accident car. It had a retail value of XXXX. I purchased the vehicle and took a loan with Wells Fargo for {$14000.00} I currently owe ( {$9700.00} ) I went to trade this vehicle in after visiting XXXX XXXX Book to get an approximate value. XXXX XXXX pulled up the XXXX to find that I was the XXXX owner and there had been XXXX record-able accidents and the current trade in value of the car was {$570.00} Wells Fargo never should have issued a loan on this vehicle as at time of purchase it was only valued at {$2500.00} I can not trade this car in, and selling it privately is a night mare. I feel Wells Fargo should " Forgive this debt '' and either allow me to sell it at a much lower price, paying them what I receive or take the car themselves to sell. I currently have Gap Insurance on this vehicle. Its very obvious that Wells Fargo 's Auto Loan Practices are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 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: NY

Complaint narrative:
I keep getting daily calls between XXXX-XXXX including weekends from a Midland Credit Management calling XXXX leaving messages looking for a XXXX or a XXXX, depending on the accent of the caller. They started calling me about two weeks ago. I have had this home phone number for nearly four years, and no one even close to that name has lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
company in question did not inform me of any collection action nor did they notify me of any action that was taken legialy. They also failed to give me a final demand letter after reciving a judgment aginst me. Also creditor is the same as the company that is collecting on this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC. 
XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
This is in reference to a time-barred debt. Last payment was made XX/XX/2011 from a repossession auction. Another collector tried collecting this also, but withdrew when i was having a lawyer represent me in court. The debt was time-barred at that time also. They are now calling my personal phone and anyone they can at my employer. I have requested they not call here due to my employers policy against this sort of inquiries. I requested they send me the info about this matter. FDCPA states they have 5 days. Lady on phone argued it was 30 and asked why in never responded to any of the paperwork they sent. I informed her that i never received anything from them. A gentleman i talked to yesterday stated this was about a breech of contract, but the lady today stated this was a lawsuit and an attempt to gain asset info from my employer to garnish wages, all while trying to strong arm and intimidate me. She seemed to have no concern or knowledge of this FDCPA regs. She didnt state the company name, reason, anything of that sort. All required per FDCPA. She also told me i needed to get another lawyer as my current lawyer doesnt know anything. I was told from the gentleman the other day that the name of their company ( which i had to ask for ) was XXXX. I found nothing on just that but did find info on some companies with the same letters as name, but spelled out. I believe i found the right info in my search then as a post i found, people have explained the same exact thing that they are doing to myself. i have added the post link below. I would really like to have all of this stopped as i 'm trying to move on from my past. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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: CA

Complaint narrative:
I have asked midland funding to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I have debt with American Express and have been receiving phone calls/messages from agent of theirs. This agent has called my personal desk number and cell number, and is now attempting to contact me via my employer 's Human Resources Division. I provided American Express with my personal cell number and my desk number to directly contact me. I have never allowed/provided American Express with contact information of my employer 's Human Resources Division. I received an email from my Human Resources Division that an American Express agent named XXXX @ XXXX has made contact with them regarding my account. They are wondering why my personal finance calls are going to their office. I am wondering the same thing too.

Company response to consumer: Closed with explanation