vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I returned a XXXX to XXXX XXXX. It was NEVER used. Now, I am receiving a debt collection letter for {$200.00} from Transworld Systems Inc . I am not going to pay the {$200.00} for something that I returned to the company! Please help me! I do n't want this on my credit report. Never mind the fact that XXXX XXXX constantly tries to contact me to return as a customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Made all payments and was supposed to be removed from credit history on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I have 4 lays payments from student loans, but they mistakenly did n't see that I was still in school, and thus can not be billed yet. I called them and got it fixed, and faxed them my credit Reports and they said they would take them off my report because they were indeed wrong to report that. This was months and months ago and they have n't done anything so I 'm disputing here now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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: PR

Complaint narrative:
A Company named XXXX and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter XXXX to collect a debt for XXXX XXXX Bank -Midland Funding for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency XXXX protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a 2nd letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in Puerto Rico and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named All Clear ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 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: SC

Complaint narrative:
On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX SC borrowed money from XXXX XXXX XXXX, XXXX SC. Payments were not made and the account was sold to Midland Funding LLC. Midland Funding is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have been homeless since XX/XX/2016. I have not been able to make payments on these debts due to hardship. I had XXXX and therapy and eventually was not able to do my job and lost my job which caused me to loose my apartment and so forth. I want to be able to clear my debt but now I am currently in a no job and homeless situation. If I could get some feedback on how I can clear these past debts I would greatly appreciate any advice. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an Amex card due to their promotional offer. I was about to book my honeymoon trip as soon as I got the card due to their offer of spending XXXX in 3 months or XXXX in travel in 6 months which I most certainly would have. Upon receiving my card I was told I only had a XXXX credit limit and it could not increased for 60 days, unfortunately my honeymoon is in exactly 60 days so I can not wait to book the trip. At first I was told EVERYONE started at XXXX credit limit, then I was told it must be due to my credit score ... of XXXX. Then I was told it was due to my number of credit card..I have XXXX. Then I was told it might be due to the credit limit I have, a combined XXXX limit compared to my income ... my income is more than 10 times that amount not combining my fiance 's income. Finally I was told the number of loans may have affected the credit limit I was given ... I have zero loans. So I ask why bother doing a credit check, and putting a hard inquiry on me, if I would get something standard and low and how am I to take advantage of this marketed offer without having a high credit usage? The response was to charge my trip, ask for permission to go over my credit limit and pay off the balance so I can charge the rest of it thus eliminating the purpose of a credit card. I do n't see how an average consumer can take advantage of the marketed offer, specifically the first 3 months, without incurring a high credit usage. On top of that why bother running a credit report on me and end up giving me a XXXX credit limit. The response I got kept changing and their was no justifiable reason for the low credit limit. I was unable to book my trip, wasted my time waiting for the card to arrive and closed my account immediately with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
During the Rushcard glitch, I was without access to my funds for a week or more. I could not pay my bills on time which lead to me having to pay late fees. I could not withdraw money to eat, put gas in my car, pay a loan off, any many other things I needed to do. This ordeal caused a lot of hardship for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I was approved by my mortgage company for the HAFA Program ( Home Affordable Foreclosure Alternative Option ) and entered into an agreement with RoundPoint Mortgage Service Company to transfer my property to them by doing a Deed in Lieu of Foreclosure on XXXX XXXX, 2015. Part of the agreement was they would waive the deficiency Amount outstanding. At which point RoundPoint would then issue me a XXXX after everything was completed at the end of the year ( 2015 ). To date I still have not received the XXXX even after repeated phone calls and requests made to them. Instead they inaccurately issued me the wrong form a ( XXXX ) and now refuse to correct it, because the representatives are confused and they continue to say it 's a foreclosure even when all of their own documents show that it 's a deed-in-lieu. At this point I do n't know what to do and how to get this situation resolved with them, because for me to accurately and correctly report the deed in lieu on my own 2015 XXXX Tax Return, which would be the correct year, I need them to send me a XXXX form, but they still refuse to do so no matter how many times I 've called and tried to explain it to them. So I 've attached supporting documentation to verify my position and request.

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 2017-03-07 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: PA

Complaint narrative:
In XX/XX/2017, we were contacted by XXXX Aguisitions ( threatening ). It was about a credit card debt of {$300.00}. Payment arrangements were made and payments taken from bank account on XX/XX/2017 for {$100.00}, XX/XX/2017 for XXXX, and XX/XX/2017 for XXXX. That was to pay off debt. Today, XX/XX/XXXX, we get a letter from Midland Credit Management stating we owe the debt. I called them, and they insisted we owe it, and if I wanted to dispute it, they would put it into litagation. I have bank statements showing the payments taken out to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 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: AZ

Complaint narrative:
I SENT THIS COMPANY A COPY OF MY CREDIT REPORT SHOWING I DID NOT DO BUSINESS WITH THE COMPANY THAT THEY ARE COLLECTING FOR SINCE 2006 IN WHICH THAT ACCOUNT WAS PAID FOR. I HAVE NO KNOWLEDGE OF WHAT THEY ARE COLLECTING FOR AND THEY HAVE NOT SENT ME ANY EXPLANATION OF THIS DEBT EVEN AFTER I SEND THEM CORRESPONDENCE ADVISING THEM THAT IT WAS NOT MINE. NOW THEY ARE STARTING SOME LEGAL PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The company XXXX American Express XXXX continued to call my cell phone as much as XXXX times a day, XXXX and XXXX included, regarding someone else 's account for months after I complained to them -- and they admitted -- that their issue was with another customer, not me. Repeated promises to stop the dunning calls were dishonored. No one at AE ever stopped the harrassment, even after many promises over months and multiple attempts to work with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
The conversation I had with the American Express credit card company was confusing as far as the exact numbers go, so the numbers I 'm using will not be exact but the way the CC company handled it should be obvious. I had a balance due in XXXX. I paid part of the balance ( more than the minimum ). I made a purchase of {$3000.00} in XXXX. In XXXX I paid {$3100.00} on a balance of {$3100.00} making my balance due of {$15.00}. My statement for the amount due in XXXX showed an interest charge of {$28.00}. It looked odd to me that {$28.00} would be charged on a {$15.00} balance. I called the company. They told me that it is a " trailing interest '' charge. Because there was a balance from the previous month ( I 'm thinking the {$15.00} ) that, even though I paid them {$3100.00} they were going to charge me interest on the {$3100.00}. In other words they are charging me interest on money that I have already paid. I asked the lady from the CC company if that was accurate and she said, yes, because the previous month 's balance was not paid in full they would use their '' trailing interest '' policy to charge me interest on money I had already paid them. Is it legal for them to do this? To my knowledge, none of the other CC companies I deal with operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
After a year and a half working with HSBC mortgage on a loan modification, I was told that my modification was denied due to insufficient income. I filed an appeal and was denied a second time. In speaking to one of the representatives, I was told that my expenses exceeded over {$7000.00} per month which is incorrect. I was also advised by my counselor that my interest rate increased in XXXX 2016 from 3.25 % to 4.25 %. I was never notified of an interest rate change. During the modification process HSBC refuse to take my mortgage payments and now I am over {$25000.00} behind and facing foreclosure. This is my second time filing a complain, my first case was closed without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received credit Financial Analysis from a debt settlement inquiry and they show XXXX American express numbers with amounts and numbers that are not mine. I just took mortgage in XXXX 2016 and my credit is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Induced into a " gap '' loan known as " XXXX ''. This was in conjunction with a federal loan. Even though we have above average credit scores, we were shocked to find out that this was a 12 % loan. We have taken out several consumer loans and have received two to five percent funding on those. We paid monthly as we were waiting for the 40 % reduction to take effect. We found our loan was turned over to someone outside of the XXXX XXXX that started the XXXX for the XXXX loans. We believe they are selling these loans to other servicers without addressing the loan reduction. Our loan originated in late 2012, right in the middle of the XXXX rip off. We have sent a letter to the loan servicer requesting the reduction and put them on notice of our intent to suspend payments until the XXXX lawsuit is settled. Part of the lawsuit requests rescission of these bad loans. We will continue to pay on our federal loan as regards the education. Still not happy that even with a degree the income from this education reaches 60 % of the XXXX dollars necessary to achieve a middle class existence. So much for higher education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This company represents the State of NJ and are collecting a debt on their behalf. To get my NJ driver 's license, I agreed that I owed a debt and made payment arrangements. I have a representative payee that handles my social security XXXX payments. The company demanded that I give them banking information, ( a debit or credit card ) so that they could have payments taken out automatically. I gave them the card number that is in my daughter 's name. For the past 12 months this company has been sending me letters notifying me that they are taking the money out and to make sure it is available. I just received a notice from NJMVC that my driver 's license and registration privileges are suspended and that I needed to contact this company. When I spoke with them they informed me that the card had been declined. I receive no notice at all that there was a problem. I believed the monthly letter from them and had no reason to believe otherwise. They refuse to give me any information. They are rude and nasty and state that I should have known that the money was not being deducted and the only way to get my driving and registration privileges reinstated is to pay them the {$1200.00} for the back months that their request for funds were denied and to give them a card so that they can take the payments out automatically. They claim I owe in excess of {$11000.00} ( a judgment against me resulting from a car accident I had in NJ in 1999 ) NJMVC states that the judgment is for {$7000.00}. I asked for the contact information of the original debtor and they claim they do n't know it. I ask to speak to a supervisor or someone from the legal department. They take my name and phone number and never call me. I asked for a copy of all correspondence to me and they stated that 12 months of letters is to much to mail out. They have never mailed me any other documentation except the letters confirming that they were taking the money out of my custodial bank account in my daughter 's name ( she is my representative payee )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
A company called XXXX used my prepaid card to charge my account, they where not authorized to use the card. I called American Express Bluebird cards who refused to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Sarma
State: TX

Complaint narrative:
I was working with XXXX XXXX XXXX ( XXXX XXXX ) for my mortgage requirement. 
1 ) XXXX made first enquiry into my my credit report on XXXX XXXX and suggested me to pay one of card to reduce my balance. 
2 ) After I pay the card and send him the proof of the payment, he suggested me that he will be able to do rapid rescore so that he will be able to give me some competitive rescore. 
3 ) He also told me that for rapid rescore, they do n't need to re pull credit report again. 
4 ) I trusted him as I understood that pulling credit score is a standard practice in the market.for mortgage loans application. 
5 ) XXXX made another query into my credit report on XX/XX/XXXX where he never took my permission again for this XXXX query in my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Year 1996 American Express sent letters, phoned me and clamed I was XXXX XXXX XXXX I am XXXX XXXX XXXX To this date I have the bill show up on my credit report. I get it removed and again it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.

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 2015-11-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have a American Express XXXX XXXX XXXX which has a feature of upto {$100.00} Airline Fee Credit for incidental fees ( e.g., baggage fees, flight-change fees etc. ). It has been more than 3 months since I had used the card for the selected airline checked bag fees for {$50.00} and I have n't seen the credit yet on my account. I have called more their customer service m XXXX times and have been transferred from XXXX agent to another ( atleast 30 minutes call each time ) but no one is able to help me out yet. Once the agent promised that I will see the credit about 2 months ago, but I have n't seen the credit yet. The airline is disingenuous in promoting this benefit to the cardholders. I am currently in the process of moving to a XXXX and I will be responsible for paying this fees as I have to close my XXXX account. I want to write a formal request for AMEX to make this process transparent.

Company response to consumer: Closed with monetary relief