BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: TRANSWORLD SYSTEMS INC
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied the AMEX Platinum Card when they have XXXX reward offer this XX/XX/XXXX and get approved. 
I met the spending requirement within 3 month, and then AMEX gave me the XXXX rewards at XX/XX/XXXX. 

However, they took my XXXX reward back few days ago without any info. 
I called AMEX customer service they said there is a unusually point activity flag on my account. 
But this does n't make any sense because I did n't use any point since I earn it. 
And then, the representative said he will help me to open a case to investigate that. 
However, I contact AMEX representative again today, and he told me he ca n't find out any update or further state on my case. 

It makes me feel worry about AMEX might not investigate this mistake fair and get my reward back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
I signed up for American Platinum card with XXXX Membership Rewards points bonus after spending {$3000.00} in the first 3 months. The spending requirement was met, all spending are legitimate, no Manufacturing Spending, the XXXX points was posted to my account. Once the bonus posted I then closed this account. A few weeks later, the bonus was removed from my account for no reasons, the online forum suggested that maybe due to the American Platinum credit card account was closed " too soon '', however there are not wordings at all in the Terms & Conditions that the account MUST be opened, I have all the rights to close the account any time. I am requesting the XXXX MR points to re-post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Having participated in Credit Counseling XXXX XXXX, which I do NOT need, on or about XXXX XXXX, I submitted Ocwen Loan Servicing, LCC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via certified mail my loan modification package. XXXX XXXX, I wrote Ocwen the reason for the delay of my loan modification to no avail. 
1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 
2 ) Contracted with XXXX - XXXX Home Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX and completed said modification on or about XXXX XXXX. Note : The representative involved in the modification process informed that I did NOT have to or make any mortgage payments being the fact of the modification loan in process. 
3 ) Representative later informed me that my modification loan was prepared by " XXXX XXXX XXXX '' which required me to correct the Cashier Check instead of XXXX. 
4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 
5 XXXX Learning from XXXX XXXX Bank - XXXX OH, Ocwen disclosed derogatory information with numerous credit bureau 's resulting denial of my credit application. 
6 XXXX As of this dated report, a " Partial Payment Agreement '' was not disclosed and do not know what it referenced to. 
7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. 
XXXX ) Combination of mortgage payment/ derogatory reports to the credit bureau 's, Ocwen Loan Servicing and the Debt Collection Division are not responding the issues I am concerned with, hereby requesting the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: BOGMAN, INC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was approved for the $ XXXX limit amex card. After a month I finally decided to use my card. Within a day they froze my account and asked me to submit documents as if I was applying for a mortgage. I felt it was contracts of adhesion so I applied and was approved for another card with without all the hassle and a much higher limit. After canceling my account they sent the account to collections without notifying me. I tried contacted XXXX at ext. XXXX who originally asked me for a numerous amount of supporting documents to keep the account open, but response. They have now destroyed my credit for an alleged {$100.00} balance I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had an American Express credit card. I closed this card more than a year ago. About two months ago I got a bill for credit secure service charge on this card, which had been closed. The card no. ends in XXXX. I called the credit card company agent on phone and explained the situation to him. I had not applied for credit secure service and I asked him how the charges were applied to a credit card that had been closed earlier. He agreed to cancel the charges and close the card again. Now again I am being subjected to the same experience. Somehow the credit card has been reopened and a charge for credit secure service has been added again. Some late charges have also been added to these charges. I have contacted the customer service agent on telephone today and spoken to him. I asked him how the card has been reopened to apply this charge. He said he does not have any information about closing of the card. He said he can cancel the late charges, but can not remove the credit secure charges. He forwarded me to their credit secure telephone number. However only automated replies were available and no human was available to discuss my situation. I feel that I am being harassed by the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: CMRE Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express sent me promotional offers to open credit cards. I applied for the XXXX XXXX XXXX paid the {$75.00} annual fee and spent {$3000.00} in the first 3 months. The promotion said I would receive XXXX XXXX points for this activity. I never received the points and when I called to complain they just said I received bonus points in the past and therefore was ineligible. I also open an American Express Rewards card via a mailer. Once again the promtion stated I would receive XXXX reward points if I spent {$2000.00} in the first 3 months. The same thing happen. They said they had no record of this promtion on my profile and I was again ineligible. I also receive multi page ( XXXX pages ) mailers at least XXXX a month stating changes in their policies. I can hardly keep up with these changes and when you call to complain they say you need to read your credit card agreement. Needless to say I 'm quite upset with this company and plan to close ever account with American Express. I feel this company is mis-leading the public and their business practices should be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this call on XXXX/XXXX/16. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. I was told to call XXXX, which is strange because my caller ID displayed the number XXXX. This leads me to believe that this is a spoofed number. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Trans Union assisted XXXX by continuing to report this negative information without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XXXX ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

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 2016-02-25
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The account it is said to be from XXXX XXXX Bank which I have called and was unable to get an account under my social security. 
The claims said to be incurred in 2007. I have asked for more information this case is now with an attorney XXXX XXXX. XXXX law has not provided me any of the information showing that this is my debt nor the exact date in when I was served. I have contacted them several times and I have been harassed ignored of my request. Now my employer has received documents for my wages to be garnished for an amount and a sum that is not my debt. wrongfully after my wages for an account that I have verified with the original Target that my social does n't appear in their system. I would like some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
8 years ago, I cancelled my XXXX service as I no longer had a house phone to connect the service to. Now 8 years later they are saying that It was cancelled due to non payment for some months. I never received any communication on this until now * years later. I have had several loans since then and it never showed on my credit reports. I think they botched up their records and are trying to recoup stuff that is not owed. ALl I got in response was scripte answers. I called them on XXXX/XXXX/2016. I called XXXX XXXX and the collection agency Transworld Systems , Inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This complaint is against the company Midland Credit managment Inc. ( MCM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( Reference XXXX XXXX # XXXX and MCM Act # XXXX ). 

I sent a letter to MCM concerning the above reference account which stated " This letter is to inform you that the above referenced account is being inaccurately reported to XXXX and XXXX. And, to request that you correct the errors by reporting the following accurate information : Date of Last Payment : XXXX/XXXX/2008 ( payment confirmation number XXXX ) Copy Enclosed and Date of XXXX Delinquency : XX/XX/2008. 

To which I received the standard MCM response of " you did not provide sufficient information '' and " we deny that our records are inaccurate ''. ( The same response I received on my Tribute account ( see CFPB Case number : XXXX ) I believe that Midland Credit Managment Re-Ages the debts they purchase so that they stay on the consumers credit reports longer than allowed by FCRA. Attempts to confirm information with MCM is to no avail as this is the only response I can get from them and they will NOT provide documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Contacted Midland credit several times, I asked what the debt was and was told they do n't know as they bought the debt from another company. I explained I divorced in 2006 and asked if this could be my exwife 's debt. They did not know. I asked if they could send me any paperwork as I had zero debt. They said they only thing they could send me was a copy of the debt they bought, but nothing with my signature or proof of ownership. I asked them to remove it from my credit report and they said they could if I would send them a little money. This is very clear extorsion!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company called my ex husband, his wife and my son, concerning this debt. The debt was actually discharged in a bankruptcy XXXX months ago. They also told my ex-husband that I used him as a reference. Which is totally false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I do n't know if there is a timeliness factor in the mortgage process ; but I have been working with HSBC since XXXX to refinance XXXX investment properties. The processors request the same info over and over ; and then because the process is taking so long ( on their part ) ; they have to request credit reports, income verification, etc a few times. I have responded to all of their requests within a day, I have not been part of this delay. The have sent me no less than 5 or 6 Final Disclosures, Mortgage Commitments. I try to call the reps, and never get through to a person. My biggest issue with this process taking months is that I have other investments properties, with mortgages from other lenders that I wanted to refinance ; but was told to wait until this is completed. Because of these delays, this process is going to end up costing me XXXX of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union Credit Reporting Bureau had a glitch in their credit reporting system that violated the rights of consumers under section 6.11. By Trans Union deleting and reinserting information, I have been gravely affected and my credit score has suffered significantly. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed immediately.

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