vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
We had an outstanding debt with XXXX XXXX for the birth of our twins. 

We paid XXXX XXXX the {$990.00}, and according to the hospital, the account was settled on XXXX XXXX, 2015. 

A collection agency called Harris & Harris continuously calls and harasses us saying we owe them money for the balance. No matter how many times we tell them they have paid, they keep calling and saying we owe them money. 

First, they lied to us the reason they were calling is because XXXX lost our payment and had n't posted to my account. When I told them XXXX posted our payment on XXXX XXXX, 2015, XXXX XXXX told me it 's in my best interest to show Harris and Harris my bank statement to prove payment. He finally relented and said he would make an inquiry to XXXX XXXX. There is no explanation as to why an inquiry was never made beforehand. 

I need these people to stop calling, and I am not about to give these charlatans my bank statement to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My credit limit is {$11000.00}. I want balance transfer {$9700.00} from {$11000.00}. But my credit card company told me I can only {$5500.00} transfer from that. But why? This is not mentioned in cardmember agreement. Also I called XXXX times but they do not give me reasonable reason. I say what is meaning of agreement. They told me I can transfer only 50 % of credit line. But this never mention any where in cardmember agreement. Actually they offered 0 % balance transfer for 15 months. Please see attached cardholders aggreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: KS

Complaint narrative:
Midland Funding LLC from XXXX Acct # XXXX if trying to collect and debt that was paid on XXXX XXXX debt from XXXX was paid through XXXX after my dispute was resolved., I have been disputing on my report since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I had a hard time paying XXXX XXXX and got behind in payments so this went on my credit report but last year I had a bank levy for the loan of {$520.00} dollars and when I called the court officer the only thing he can tell me is that those fees went to a lawyer but he could not give me details

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I paid my XXXX taxes on line on XXXX/XXXX/XXXX through XXXX XXXX XXXX had to use my American Express Credit Card for payment. On XXXX XXXX, XXXX when I received my XXXX bill from American Express, there were XXXX pages of charges from XXXX for over XXXX I did not authorize these charges. I have been working with American Express Fraud Dept. to settle these charges Each time I call ( over 20 times now ) I get a different person to talk to & get disconnected multiple times. I wrote the XXXX letter on XXXX XXXX, XXXX documenting what has happened. On XXXX XXXX I receive an email notice saying that my account was past due almost {$4000.00}. On XXXX XXXX, XXXX, I filed a police report & faxed XXXX pages of documentation to American Express Fraud Dept. I called them on XXXX XXXX to make sure they had received the fax - they did. I heard nothing from them. I called American Express on XXXX XXXX, XXXX. Was disconnected 4 times in over an hour period of time. Talked with Supervisor & given new fraud case number XXXX. I printed out my credit reports from XXXX & XXXX. Found that American Express had reported that my account was 30-60 days delinquent at each Credit Bureau for {$6800.00}. All of that money is from the fraud charges! I called American Express Credit Bureau Unit. They immediately referred me to the Fraud Department. XXXX a Fraud representative said that she would investigate & get back to me this week. We shall see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A credit card was made out in my name and former company and mailed to my former address. A man claiming to be me knocked on my neighbor 's door and requested the credit card envelope. Simultaneously, all of my mail at my current address had been put on hold for two weeks by an unknown source.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I had filed a dispute over @ charge someone else had made on my card. after filing the dispute the person pay me back so I did not follow through with it. about 10 days later the dispute wasn't denied which was fine. but then they closed my account and locked it this is on XX/XX/XXXX. I called and was told that I check will be cut the next day for the balance remaining in my account. I have called nearly every day since then and told told something different every day and I would like to know when I will get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My father called office of an attorney and spoke to a female. He said he called XXXX and just gave them acct number and she disclosed that there was a debt they were collecting with the amount and name of the company the debt was owed. They did not verify any information and my father told them is was fraud. They continued to collect on a debt after he had motioned it was fraud. They also stated call was recorded. I am filling a complaint since my information was given with out my consent. Who knows what information was disclosed. This is abuse. They also disclosed information to my bank and the letter that was sent to my bank who they assumed was my employer. My bank does not need to be involved in this matter and if they are attorneys they served the wrong company, ATTACHED IS THE LETTER THEY SERVED MY BANK AFTER THEY REALISED THEY HAVE MADE A MISTAKE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Funding called and wanted me to make payments on this debt.They told me they wanted payments of XXXX month in XXXX payments.I told them that would not work out that I do not work because of serious medical issues.Then they start asking me about how I get money and how I pay my other bills, just prying.As they were talking, there were higher amounts they were asking for.By coercing me giving me speeches of paying off bills and where do I want to be in 5 years.I tried to tell them I could not afford much but would try to give something.They told me I had to pay XXXXmonth on both accounts that 's XXXXmonth I ca n't afford on XXXXmonth.Not including my rent, electric, oil, medications life saving that I told them.These collection agencies get away with coercion, making people feel pressured and cornered, not only pressured but it makes people feel low esteem, low self worth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA
State: MI

Complaint narrative:
My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
They have called me back to back in the same day after me speaking with the rep named XXXX. I just talked to him at XXXX pm on XX/XX/2016 and he called me back on XX/XX/2016 at XXXX. He is harassing me and I advised him of that he still calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a credit score of XXXX and in my file I have a former bankruptcy. I have carried and used ( as an additional user on wife 's card ) American Express XXXX. I have had the card for XXXX years and always paid my balance in full. they refuse to issue me a card in MY name. I also carry an American Express through another company, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
A few months back I received an offer from American Express to convert portions of my Gold Card charges to a pay over time feature which would allow me to pay any charges over {$100.00} over time instead of the total balance at the end of each billing cycle. I was informed, upon the receipt of my first bill, that the balance of my Gold Card, prior to signing up for the offer would not be transferred to the pay over time billing. Thus, I was now on the hook for over XXXX which I never expected and my account is delinquent. This was never disclosed or explained to me when I took the offer. It was my understanding, as per Amex 's disclosure to me, that the portion of the balance that included charges over {$100.00} would be transferred to the pay over time feature. In addition, I am now receiving nasty letters from American Express, a suspension of my account and a reduction in my credit score. I contacted Amex in an effort to resolve this and spent 80 minutes on the phone with XXXX different people. I told them it could easily be resolved by transferring the balance to the pay over time feature like I thought it was originally going to do and that I am in the current predicament because of their inadequate and vague disclosure relating to the pay over time offer. I spent 80 minutes on the phone, with XXXX or XXXX different people who ran me circles and pretty much told me that they could not help me and that there was no one who could. I have always had an outstanding record with Amex but at this point I am disgusted at the fact they can not resolve a situation I feel they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: INTEGRA SERVICING, LLC
State: NM

Complaint narrative:
Dear XXXX : On XXXX/XXXX/XXXX, I purchased a timeshare with the associated account # : XXXX. 
Due to a variety of factors related to misrepresentation, fraud and breach of contract I have chose to file a complaint through the Consumer Financial Protection Bureau. 
Please be advised that this matter is under investigation at the federal level through the complaint I filed with the Federal Trade Commission dated XXXX/XXXX/XXXX in order to resolve the issues pertaining to my sales experience with your company. My next course of action is to file complaints through the XXXX subjective to the state where the contract was signed, the state in which I reside, and the state in which your company operates. 
To resolve the problem, I am requesting general release from my timeshare ownership. Enclosed are copies of my records concerning this purchase. 
I am fully aware of the rescission period related to my contract ; fortunately that issuance within my contract is not relative to the fact my rights were violated at the point of sale. 
The following statements were issued to the Federal Trade Commission and now to the Consumer Financial Protection Bureau. Please be aware of each aspect of concern related to my cancellation request. 

1. The timeshare presentation was supposed to be 90 minutes ; I ended up being there for more than 5 hours. 
2. I was told that if I left the presentation that I would not get the same deal. 
3. I expressed multiple times to the sales rep that I could not afford the timeshare. 
4. I was told that I could sell the timeshare and sell it for a profit. 
5. The cancellation process of the timeshare was not explained to me. 
6. There was not a notary during the document signing ; the documents were taken to another room to be notarized. 
7. I was not aware of my rights for cancellation on this timeshare/contract. I never was explained the process and my rights to cancellation. 
8. They did not explain the documents that I was signing ; I was led to believe that I did not have to read the documents. The sales rep said " Do n't worry, just sign. '' I look forward to your reply and a resolution to my problem. Please contact me via direct mail at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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: NJ

Complaint narrative:
I contacted Midland Funding on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. Since they did not remove the item within the XXXX days given by federal law, I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself, XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact CA Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This account is time barred debt. I have written to Midland and contacted the credit bureaus several times to no avail. It is being reported on all XXXX credit bureaus. I have included how they are reported on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased a {$75.00} Amex prepaid gift card as a gift for my son. When my son tried to use the card he was told by the cashier that the gift card was never activated when purchased. I have been in contact with Amex numerous times to resolve the situation. Each time I have been in contact with Amex they have thwarted my efforts to recoup the money. I sent Amex clear photocopies of the gift card and receipts. They even ask me to send them a copy of the store journal which I went to the store and they had to contact their corporate headquarters. I followed up by fax and mail ( certified ) with very clear color copies only to be informed again that the documentation was illegible. Amex is giving me the BIG RUNAROUND after attempting to recoup my money. I have reviewed these gift cards only to realize that many people have the same problem. Please help. I have exhausted my options with Amex. I have documentation to send if you would like to review. Thank You ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
COSTCO XXXX & OPM SECURITY FAILURE. As a federal employee affected in the Cybersecurity Incident XXXX XXXX XXXX notice I was supposed to have a lock on credit. In XXXX XXXX I closed my COSTCO XXXX XXXX account. I asked at the XXXX XXXX store and was assured they would not issue another card. 
I am in receipt of a Citi COSTCO VISA card valid to XX/XX/XXXX, credit limit {$9300.00}, ending in XXXX. 
How was my credit report available to Citi VISA? 
Did XXXX violate my privacy and give my closed AMEXP credit information to Citi XXXX? 
How did the OPM cyber watch dog program fail? 
Did the lock ( XXXX XXXX ) on the credit firms ( XXXX, XXXX, XXXX ) all fail? 
How can Citi VISA just issue a credit of {$9300.00} to me without my request or permission, or any security on that credit? 

Which firm, COSTCO, XXXX XXXX, Citi VISA, is responsible for issuing a line of credit to XXXX XXXX without her knowing, is n't that ID theft? 
Who is using the XXXX XXXX account that I closed? Who accessed that account and how did they access that account?

Company response to consumer: Closed with explanation