vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have a complicated issue with an old charge account. The original creditor was XXXX XXXX, now XXXX Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We XXXX had XXXX cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made XX/XX/XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called XXXX to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent two validation letters to Portfolio Recovery and they ignored my requests for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates recently started calling me stating that I owed {$760.00} and {$900.00}. This debt was paid off in XXXX of 2010. The card was destroyed. 

I have sent numerous certified letters to Portfolio asking the following : The date the card was used The amount of charges made on the card since the last known zero balance ( XXXX 2010 ) A complete transcript of the activity of the card since then. 
The amount of the debt when it was obtained, and how much interest has been added since then. 

They always fail to provide me with this information, and instead send me an identity theft affidavit and a list on corporate letterhead of the balance I owe, principal and collection costs. Nothing providing existence of the debt owed, as I have asked. They tell me that they do n't have statements to prove when and how purchases were made. They told me that it absolutely, without a doubt, 100 % had to be my debt because my name and address is on the account. I know that I am entitled to the information i am requesting under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account has been satisfied XXXX 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: MI

Complaint narrative:
I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.

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 2016-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Account # XXXX Balance : {$530.00} Creditor : XXXX XXXX. 

Account # XXXX Balance : {$0.00} Creditor : XXXX Account # XXXX Balance : {$270.00} Creditor : XXXX . 

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery continues to call after cease of communication notice and is making frequent and repeated calls in a harassing manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: TX

Complaint narrative:
I have been receiving intimidating collection notices after I filed a cease and desist letter by certified mail. In where they threaten to reopen some old resolved debts as a negative mark on all XXXX credit bureaus. These were old debts that I settled with the original companies as product of identity theft many years ago. these debts are old so they know they because of the age of the debt can not hold legal action against me, so instead I receive these letters and harrasing calls. After I submitted a cease and desist letter they have responded threatening to reopen on my credit report as unpaid and undisputed when it was settled long ago. Actually I received XXXX additional letters after cease amd desist letter as to some unknown debts that are also noted as old debts which are not mine. Here is a copy of the cease and desist letter that was mailed as certified mail and a response sheet was sent back. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Midland Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Re : XXXX Dear Debt Collector : I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. This account is closed and settled. It was You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the XXXX Attorney General 's office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/XXXX THIS IS CONTINUATION OF MY PREVIOUS COMPLAINT, BUT I HAVE NOT HEARD FROM THEM TO RESOLVE THE MATTER, PLEASE PROVIDE UPDATE, SEE COMPLAINT BELOW ***************************** I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN HIGH SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX PROGRAM- HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN XXXX, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX XXXXXXXX -- -- -XXXX ON - I NEED ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS *********************************************** XX/XX/XXXX I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DCI Credit Services, Inc.
State: HI

Complaint narrative:
I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Got a XXXX from American Express for XXXX in ammount of {$1200.00}. I have not had a card since XXXX and my account was written off in XXXX. I have phoned American Express numerous times and have spent at least XXXX hrs on the phone with them explaining the issue. I get transfered around and around to the same depts over and over and they all say I need to go to the other dept. to get answer but never get anyone that can answer it. Ask to talk to some XXXX in XXXX and they say I ca n't and they ca n't transfer me there. This will effect my income tax this year but I never got any interest. It was written off in XXXX and given to another outside collection agency. The amount they say they paid me in interest makes no sense because the amount written off was WAY more. They refuse to help me and I am trying to do my taxes. If I do n't get a response I am leaving it off my taxes and will hold American Express responsible for any consequences. I have informed them of that and they do n't care. Very hard to talk to someone in a foriegn country that does n't even know the form I am talking about. They keep calling it a XXXX XXXX even though it is a XXXX XXXX. This company is terrible and should be held responsible for its business practices. I need this resolved and reported to IRS I did n't get any such payment. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have talked to the American Express creditor on various occasions even contacted the executive office in regards to this issue. My account was not closed by me and neither do they have any record or recorded conversation where I said to closed the account. My name and identity was stolen and this is causing me to have a lower credit rating due to this closed account. See attached letter where they claim information but no facts to their statement or decision to resolve the matter. I need this account deleted from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
They call often, at least 4 times a week, including on weekends, and ask for my name, by first, middle, and last name, and if I confirm that it is me, they tell me to hold while they transfer me. They will not identify the company they work for, who the debt is from, how much it is ... Only one time did they actually say that it was an attempt to collect a debt. NO other information was given and they put me on hold even if I ask them for more information. I waited on the line for at least 30 minutes before I hung up. 

The calls always come from XXXX and it is always someone with a heavy, unintelligible foreign accent. I am beginning to think they are a scam and not a true debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month. 

I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus. 

They should be ashamed by lying to people for fake bonuses, and then changing the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
We have 7.25 % rate mortgage with HFC ( household Finance Beneficial ) They are and have been uncooperative in all aspects of business. They claim to have no fax, or email ... absurdly. 
When trying to refi, they strung us out as long as possible we waited a month for a confusing mortgage statement, consisting of XXXX pages ... ( via USPS ) the rates rose, and that hurt us, and also the new lenders could n't make sense of what was sent. " never saw anything like that before ''. It took weeks just to affirm our request, as the agents for HFC somehow did not understand what we wanted. about a dozen calls later, finally we are 'in-line ' for it. 
We currently are under a modification of 2 % less interest than normally, no help here either. 
Intentional Lies and confusion of facts and numbers ... long term as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express charged me a membership fee but hid the charge on my statement rather than post it online where I check everyday and where every other charge is posted. If I had n't scoured the statement, I would not have noticed it. I do n't like paying membership fees so my plan was to call and ask them to waive it or cancel my card. When I finally noticed the charge ( 2 weeks later ), I called but they said they were not authorized to speak with me - only my husband. He called a week later ( he 's busy and works 12+ hour days ) and they said there were no issues and I was able to speak with them. So they lied to me when I called on purpose so I would n't be able to ask them to waive the fee or cancel the card. I then went away for 10 days and when I came back and called them, they said I missed the 30 day window to cancel and be refunded the fee. American Express is extremely deceptive by lying to me so that I could n't get the fee waived and cancel the account in a timely manner. They stole money from me that is rightfully mine by their lies and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
When American Express company advertised a XXXX credit card with XXXX bonus points a few months ago I signed up. I spend over $ XXXX on the card but the promised points never was posted. When I called the company the people on the line gave me the run around, transferring me to different departments etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I signed up for an XXXX Gold Rewards Card XX/XX/XXXX and promptly met the minimum spend requirement of {$1000.00}. The offer from XXXX was XXXX MR points upon completing the spend. These points have always been credited within 5 business days of meeting the spend and I 've yet to see them hit the account. Nobody at XXXX is helping me get the points into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Account was deleted and then Midland Credit re-inserted and changed the date of last activity to re-age the account. I was never notified

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I 've been receiving constantly calls from a Collection Company threatening me to sue me on court. Also, they have told my mother all the information about this situation. This account is more than 9 years old.

Company response to consumer: Closed with non-monetary relief