vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 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: NC

Complaint narrative:
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME 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 FIELD - 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 XXXX 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 X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX 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 XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) 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 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 2015-07-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: NY

Complaint narrative:
-My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspension of payment. 
-Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. 
-Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. 
-They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. 
-Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. 
-- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. 
-Please help with this complaint and please stop mohelas egregious behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland funding has been harassing me for years on a debt that they keep chasing me about in the amount of almost XXXX dollars. I thought I had owed some money through a pay pal account that I had but never in that amount at all. I have had to change jobs because they have contacted my employer and HR department embarrassing me at the work place. They kept harassing me and had a marshal serve papers to my employer and garnish wages of 10 % of my earnings. I live check to check and can not afford to keep going through this. It ' is a shame that they would Bullie me in to paying such a debt that in that amount that I do not owe! They keep harassing me for years. I do not owe that much money also including the amounts they have taken from me in this amount of time. The amount never seems to go down and they are ruining my credit score tremendously. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I got an American Express Platinum card which promised XXXX membership rewards points upon spending {$3000.00} in 3 months. I met the spending on the card and I was awarded the XXXX membership rewards points. Upon receiving the points I redeemed the XXXX points for travel. After I redeemed my points, American Express took my points back and now I am sitting at XXXX points. I got a letter from American Express that I redeemed my points too soon and that is why they took the points back. This is not part of the agreement. Because of this issue whatever the points I earn through platinum card purchases will go to the negative balance of the points. American Express should provide my points back as I met the minimum spend as mentioned in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Companies keep calling - AMEX called me this morning at XXXX in the morning. I have told them to quit calling me because they are seeking a person named XXXX XXXX ( unsure of spelling ) and I keep telling them my name is XXXX XXXX and I do not know how this person is. I have my number on a DO NOT CALL REGISTRY and AMEX called me at XXXX this morning and woke me up. I asked multiple times to for them to identify themselves and he kept asking me for this XXXX XXXX and would not identify the company name. I had the caller on my caller ID so I called it back to get the identification of the company and found it was American Express. I gave them instruction never to call my number again - but have given instructions in the past. I do not want people calling me at XXXX in the morning. I need help and if I need to get an attorney to sue AMEX for this harassment then I need your direction on what steps I need to take. I could understand if it was me with the debt issue, but I have no credit issues with anyone. I want this harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I checked my credit reports with all XXXX major credit bureaus ( XXXX, XXXX and XXXX ). I noticed a collection account with Midland Credit Management XXXX. I sent all XXXX credit bureaus disputes back in XXXX 2015 disputing the validity of this account. Midland Credit Managment responds validating this account and sending a last statement showing a charge off from the original creditor. I disputed this account a 2nd time with Midland Credit Management letting them know that the information that they furnished is not sufficient and that I would need them to validate this account pursuant to the Texas Finance Code 392 or delete the tradeline from all XXXX credit bureaus. I never received a response back and they are still reporting inaccurate information in clear violation. Midland Credit Reporting has recently been investigated by the CFPB for its deceptive collection practices and violations of federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management PH : XXXX attached my bank account with no notice to me on a debt that is at least 7 years old. I had gotten no notice of a court date ( if any ) or that they were attaching my bank account!!! I only found out by trying to by fod at the store and my debit card would not work!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: MD

Complaint narrative:
This complaint is in conjunction with cfpb case no. XXXX. 

The collection agency Midland Credit Management, Inc began calling me and sending me mail XX/XX/XXXX trying to collect a debt on XXXX XXXX XXXX account I had settled XX/XX/XXXX through debt consultation ( XXXX ). At the time the collections owner of the account was XXXX XXXX XXXX XXXX XXXX. The last know update to cfpb case no. XXXX has Midland stating that XXXX XXXX is a subdivison part of its company and that they were no longer pursuing payment and that no money had been collected on the account. This statement is FALSE. I not only settled with XXXX for the XXXX XXXX account for the amount of XXXX XX/XX/XXXX but I have documentation and bank statements to prove so. XXXX has no right to report anything on my credit report about this account other than it was settled. Instead the company shadily tried to collect on the remaining amount of the account left at settlement. Paper copies of attachments will be sent to CFPB by certified mail with this case number as reference for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Debt older than 7 years Proof of original collection data Please remove collection from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MOHELA
State: RI

Complaint narrative:
I have been contacted in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: TX

Complaint narrative:
This Phone Number XXXX is Midland Credit. they have called me XXXX a day for months and even on XXXX and XXXX, looking for someone who is not me. I have asked them numerous times to stop that i was not the person they are looking for and they still call me even after agreeing to remove my number. please make them stop! Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a saving account 5 year ago in HSBC XXXX and I have a XXXX credit card with them. I have more than 2 year without use my saving account because I supose that I will use my money when I need it. 
I have two months that I tried to transfer money to XXXX for XXXX friend before I came XXXX and I ca n't do it. I wrote and call several times to the HSBC XXXX and they request to me to send a letter signed with my XXXX copy in order to activate my saving account, I sent it since XX/XX/XXXX2015 by XXXX courier and was received ( I have the received confirmation ) and till now they do n't solve it. I went to the HSBC branch XXXX in California and they told me that they ca n't do nothing because my account XXXX. That is the big problem, because Nobody in HSBC do something to solve it. HSBC have a secure Internet system called " Contact Center '' which I always use to bring instructions to HSBC regarding security process like unlock my credit card to be used XXXX which I have plan to visit and for increase my daily withdrawal limit in ATM XXXX. All my data is linked to my accounts in HSBC XXXX the XXXX Card Credit and the Saving account ) that why I not understand how I can use my credit card ( I 've already purchased a mobile number here XXXX ) and I be personally in XXXX HSBC branch here XXXX and they have my saving account locked yet. I 've really facing off problem here because I need to have access to my money and make transfers to my credit card for buy food and I can not. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Doctor submitted wrong Code to Medical Insurance. His code stated Cosmetic, so the Insurance denied the claim. 

This was removed from Collections before. This is a second attempt to collect funds not due. I refuse to pay {$190.00} for wrong Code when the Doctor can resubmit under proper code and I will owe less than {$8.00}. I feel this is Fraud. 

This provider is attempting to collect money he is not entitled to. 

Samples were removed by the XXXX Doctor XX/XX/XXXX. This bill is from XX/XX/XXXX, not XX/XX/XXXX. XXXX Doctor and Hospital have been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XXXX XXXX offered me {$100.00} off the cost of a flight if I applied for the Citicorp credit card. While making a reservation, I applied and was approved. When it went to the cost of the ticket, no discount was applied. A few weeks later I received the card in the mail and did n't activate it ( I cut it up and tossed ). XXXX months later I received an email that I was past due for {$95.00} which it seems is an annual fee. XXXX months after that I began receiving phone messages to pay the past due balance. I called and explained to someone who managed to waive {$80.00} of the {$95.00} annual fee. They told me I had to institute some type of appeal process for the remaining {$15.00}. I told her forget it, go ahead and waste your money chasing me for {$15.00}. My credit score is around XXXX, so I do n't think that will bother the score. No apology for never discounting my ticket, I would have to call XXXX XXXX for that. Now the phone calls are continuing and I believe it constitutes harassment. My name is XXXX XXXX in XXXX, Hawaii. Not sure the credit card number as I no longer have the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an American express sevre card.i have been recievng my paycheck on it then one day I get up and check my account and someone had went on a little spree with my money so i called american express and report what happened.tbe lady on the phone said that they had to look in to it and I should have my money 2ith in ten days.the next day they sent me an email the said I lost.so I called and the person was really rude and said we closed your account and that they would Mail me a check for the remaining amount and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
When requested, XXXX XXXX XXXX ( XXXX ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, XXXX did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. XXXX never forwarded or provided any proof, even after multiple requests. 

HSBC did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

XXXX never provided any verification documents even though it was requested on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I accidently sent Chase Card Service 2-payments, so I could payoff in full balance on account and too close account and destroy credit card. I over paid, By {$680.00} ; and chase Card Services say they will not return the overpayment or pay interest while they hold my MONEY for one month. Even though the Account is closed and no further charges can be made??? Further, I am losing 3 % interest paid by my bank ; while Chase refused to return MY-MONEY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I would like to file a complaint about TD Bank. I have had an individual personal checking account with this bank since they took over from XXXX. Their routing number is XXXX and my account number is XXXX. On XX/XX/2017 this account was debited for {$4600.00}. The account also had a hold put on it for the same amount resulting in a net debit of {$9200.00} and subsequently overdraft charge. Since I was unaware what this was I visited the XXXX NJ branch at XXXX on XX/XX/2017 and spoke with their representative XXXX requesting an explanation. He indicated that my son 's student checking account was overdrawn, an account that I had been added on to. I asked him for a copy of the overdraft notice that was sent to me. He was unable to supply it indicating it was sent to the address on record. I asked him if it a notice was sent to me, not my son as I never received anything. He again indicated a notice was sent to the address on record and would not confirm if one was sent to me. I then asked for the copy of notice sent to me indicating they are debiting my account. He replied that they have the right of offset and are not required to send a notice. So, at this point I was not notified of the overdraft on my sons account or debit on my personal account. Finally I asked why my account was debited and put on hold resulting in a double debit. He reviewed the account and indicated it was a bank error and removed the hold and credited back the overdraft charge. The handling of this situation has caused this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am a co-applicant on an FHA home mortgage through Chase bank. The primary applicant was discharged under bankruptcy in 2016 and did not reaffirm the debt. Chase bank is telling me that I am bound under the same terms of the primary applicants bankruptcy and no longer responsible for the mortgage debt. I did not file bankruptcy. They have stopped reporting to the credit bureau and telling me I have no rights to the loan because of the bankruptcy. They can foreclose. I ca n't refinance or sell they tell me. Please help and advise.

Company response to consumer: Closed with explanation