vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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: GA

Complaint narrative:
Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management keeps sending me a bill, even after I requested a validation from them. They have n't validated the debt, just sent me a computer printout from their own records, not from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: PA

Complaint narrative:
Asset Acceptance attempted to validate Alledged Account # XXXX XXXX XXXX XXXX after I sent a validation request to them via certifiedmail. Asset Accepance failed to provide the Original Contract withmy signature and failed to provide a litany of documentation such as proof that they actually own this alleged debt. 
AALLC continues to report this debt on my credit reports whichis deemed to be continued collection activities.I request that AALLCdelete this inaccurate, incomplete, injurious information from all mycredit reports immediately as I am compiling their multiple violationsof Pennsylvania Consumers Laws, FCRA and FDCPA. 
This company also illegally verified my credit disputes via the creditbureaus.AALLC has ignored all my attempts to rectify this situation. 
AALLC isbeing willfully non compliant and are fully aware of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. 

Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. 

They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. 
This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. 

Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. 

Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. 

HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. 

Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. 
Now coming after my property without proper verification. 

HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). 

At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed a complaint a week ago regarding American Express contacting my spouse without my concent. They then said they took that number off there screen when I called them. I NEVER authorized them to use any other numbers other then the one I provided when opening the account. I want documents showing that I authorized my spouse cell number to be added to my account. By law they should not be contacting anyone or using any numbers i have not provided. So you telling me if I contact American Express from a public phone they going to call that # and release my information? I want all documents and recordings of my calls to be sent to me with American Express paying the expense to send them to me. Or I will have my attorney draw up paper work to obtain that information, then I will go puiblic to social media, news channels, to show them how careless and unprotected american express is with its customers information and privacy. I will fight this till American express admits it screwed up on contacting someone else other then the card older. As a result of them contacting my spouse it caused us to split up, and i will sue for damages if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was contacted by Midland Funding to collect a debt from XXXX. I began making payments and discovered that the debt was not mine. Midland was very coercive in getting me to agree to the payments and denied that the debt was not mine. When I informed them that I would had contacted the XXXX and would be filing a report with the FTC, they contact me and told me they would put a stop on withdrawing payments for the debt and they also refunded all the prior payments. The account was on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
Already paid XXXX already on a XXXX dollar loan to Northern Plains Funding loan approval was all done over the phone did n't have a chance to review paperwork for loan and interest rates. Balance of loan fluctuates and was told if I want out of loan would have to pay XXXX. They said I am paying finance charges with a small principle on loan that 's why I owe so much and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I requested a mediator from American Express XXXX months ago regarding them removing XXXX points from my account, unlawfully and against their own terms and conditions. 
I have not been granted a mediator, and I am considering taking personal legal action. 

I expect a mediator to review my account and the paper claim I submitted to you guys 2 months ago. I expect this to happen in an appropriate timeframe and I expect a call back from someone on this letting me know that the mediator is working on it and a realistic timeframe. Keep in mind I have already been waiting 2 months. this is unacceptable. I used to love my relationship with amex but this has been horrible. You guys are treating me just awful and not even granting me a mediator even though I followed the steps. Please do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am received numerous call to my job, and threatening calls to my cell phone. Which I agreed to pay the loan off on XXXX XXXX, 2015. XXXX ask told me to get a better job to pay bills I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AZ

Complaint narrative:
I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 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: GA

Complaint narrative:
I was tried to re-finance with my XXXX new Toyota Prius with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and told I had been reported {$8400.00} in debt since XXXX, XXXX by Midland Funding LLC XXXX. 

I came from XXXX and lived in XXXX XXXX, XXXX XXXX in XXXX, XXXX and moved to XXXX, XXXX XXXX in XXXX, XXXX and had never owed or loaned to anyone when I was in XXXX and my previous credit limit was not allowed to owe or loan that much money when I came. 

I tried to call Midland Funding LLC XXXX XXXX XXXX and one of the Salesman told me he ca n't help me unless I hire him as personal agent or pay the full amount in order to get an answer how I owe the money of {$8400.00} with Midland Funding LLC XXXX. I also tried to get more information from him, but he just hang up my phone when I said I need to know the reason why I owed Midland Funding LLC XXXX before paying the money. 

Because of the debts in Credit Report system so I ca n't get the car loan with XXXX XXXX XXXX XXXX XXXX. I really need CFPB 's help to find out why I ca n't directly get those information from Midland Funding LLC XXXX company and why there are so many difficulties even though I am the innocent victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Had a XXXX XXXX card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from Portfolio debt collectors, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Collection agency is reporting false information to the credit reporting agencies. Collection agency says I owe them for a debt. I asked the debt to be verified and proven that I owe this debt to collection agency. Collection agency failed to prove that I owed the debt. Collection agency is violating my rights by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
I had a credit card through XXXX who in turn went out of business and was bought by orchard bank. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX XXXX then sold an account that was legally discharged to XXXX XXXX XXXX. They in turn sold it to Portfolio Recovery Services, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery calls daily, usually multiple times per day, regarding a stranger 's debt. Sometimes they leave a message, sometimes they do not. This has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
Loan paid in full on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
I voluntarily surrendered my vehicle to XXXX XXXX aka Toyota Finance on or before XXXX 2014. Toyota Finance since then, have been purposely re aging or updating my account monthly destroying my credit score. I disputed this with the credit bureaus on several occasions and Toyota still continues to be the professionals that they are and hold a grudge against me in retaliation for returning a vehicle that I could n't afford. I use different credit monitoring sites and have been watching my scoring activity over the last XXXX months. Well I saw that Toyota Finance reported the account as ok some months and then come back and report my account as being derogatory. They even updated my account as being a joint account. Unless there are XXXX of me, no one else signed any documents besides the scamming sales rep that sold me this vehicle. They ( Toyota finance ) are knowingly doing this to me and probably many other consumers to purposely destroy their customers who are and were going through a bad point of their life. I also learned that there was a deficiency letter that I was suppose to receive after reading forums that I did n't receive I actually had to call in and get this information on my own from Toyota Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.

Company response to consumer: Closed with non-monetary relief