vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 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: AFNI INC.
State: FL

Complaint narrative:
RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. 

I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been trying to refinance my house since XXXX 2015 with XXXX XXXX XXXX. My current mortgage company Ocwen Loan Servicing has not provided the correct or necessary documentation to show that they are authorized to issue the necessary satisfaction of mortgage for my loan. Because of them not providing the proper documentation I am not able to refinance or sell my current home. I have made several phone calls to them and also my lawyer XXXX XXXX and they still keep send the incorrect paperwork.

Company response to consumer: Closed
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CA

Complaint narrative:
Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: HW Holding, Inc
State: MD

Complaint narrative:
I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I received a letter from Ocwen dated XXXX XXXX, 2016 stating the property address in their records does not match our property. The property address listed in the letter is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and our property address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen also has lender paid mortgage insurance and the property address on the policy is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On or about XXXX, XXXX, I addressed Ocwen Loan Servicing , LLC with my concerns regarding the incorrect paid year to date escrow balance on my monthly statement. I went through month 's of unnecessary XXXX and back and forth with Ocwen and their attorney 's about my concerns. I was advised that there was a flaw with the paid year to date escrow infrastructure of my statement. In several emails I was assured by Ocwen 's attorney that this flaw would be fixed. However, in XXXX, XXXX, I made an additional escrow payment for {$200.00}, and it was applied incorrectly. 

Once again, I contacted Ocwen 's customer service, escalation department, and the research department about this matter. I was told the XXXX, XXXX, additional escrow payment was reversed, and would reflect correctly on my XXXX, XXXX, statement. However, when I called to follow up I was given several different answers, and to date nothing has been corrected on my statement. I have had enough of Ocwen and their run around explanations. Ocwen needs to do better and be held accountable for their ongoing careless mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I hold a mortgage with Ocwen Mortgage company. Since XXXX, I have been behind my paying my mortgage. I have contacted them telling them my husband 's company was slow in his XXXX but we should be able to catch up. In XXXX, I tried to make a payment to their website where I have established an account but I could not go through successfully. When I contacted an agent, the agent advised me to do it through XXXX XXXX and assisted me in doing it. A few days later, Ocwen sent me a mail telling me that I should include my accoutn # on the XXXX XXXX payment which is odd because the payment was made with the assistance of an agent. Fearing that that something was not right, I went on and paid through my bank account and it went through. On XXXX XXXX, I called the automatic phone line of Ocwen and initiated an automatic payment. I received an email confirmation that the payment was received. But for days, I noticed the money has not been cashed out of my account. I called Ocwen and talked to an agent and asked why the money has not been cashed out. The agent told me that it will be posted. I wanted to make another payment before the XXXX of XXXX but I was worried that the last payment has not been cashed out. On XXXX XXXX, I received a call from someone identifying himself as an Ocwen representatitve. His first sentence was that the conversation was going to be recorded. Unsure of who that person was, I informed the agent that I was going to record the conversation too. The agent hung up the phone on me. What ensued after this incident was a cascade of conversations with Ocwen representatives depicting lies and excuses for not receiving the payments as posted. I offered to pay some other way besides XXXX XXXX or the automatic vocie mail to bring my account somewhat up to date. I was refused to do so and I was accused of putting the wrong information causing their intake system to reject my payments. I was told that I had passed my 90-day limit and could not pay at all. This has caused a lot of frustration and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I called Armor Systems Corp., a debt collector, to inquire about the contact information for XXXX XXXX. XXXX ( the debt holder ) so I may proceed with verifying the actual debt. I spoke with a manager, XXXX XXXX. She refused to give me the contact information for XXXX XXXX, belittled me, used a condescending tone, was nasty, mean spirited, and down right verbally abusive. Her level of unprofessionalism was shocking. Her abusive words brought me to tears. XXXX told me that she " would not give any information until I pay them some money ''. Thousands of people do not have health insurance/coverage in this country. Having medical debt should be handled with care and empathy, not ridicule/judgement or threats.

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
Consumer complaint received 2015-09-24 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: MD

Complaint narrative:
my husband it was cosign of credit card and they be on to him they took money from our account and that money was belong to my rent they do n't care the also been aggressive and unprofessional harassment me call me a job also call my house at XXXX and Sunday early morning

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
They called my number looking for XXXX XXXX I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for XXXX. They will take send it to collections and come after me and they will call back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
american express is not doing the right thing about my bill They handed it over to a collection agency where i am never giving out my social security number. I asked did they sell u the account. they wont answer me. Please be a meadiator with American express.I plan to pay off bill by XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a letter XXXX/XXXX/XXXX from the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX stating they represent Midland Funding in a debt I supposedly owe. I responded to their letter within 30 days requesting proof of debt by certified letter. I never heard anything. I sent a second certified letter requesting proof of debt. I still have n't heard anything back from them or received the proof of debt as requested. XX/XX/XXXX, I started the process of refinancing my house. I was informed that I would have a higher interest rate because this debit is on my account and listed as disputed. I have tried contacting Midland Funding. On XX/XX/XXXX I spoke with XXXX. XXXX informed me that no one would be able to comment on my account. I tried to get this issue resolved with no help from Midland Funding LLC or the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I disputed a fraudulent account with XXXX XXXX XXXX in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX and XXXX XXXX, 2015, I accidentally made duplicate payments on my account. The duplicate payment was applied to my Pay Over Time balance. After some difficulty, I was finally able to have XXXX payment reversed. However, the reversed payment was added to my minimum balance due XXXX XXXX, 2015, meaning that the payment was never really reversed ( now I 'm expected to repay the payment by XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Midland funding llc refuses to take my payment in full citing an agreement entered into with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Here 's a new XXXX : American Express refuses to talk to their customers on the telephone if the customer legally records the call. But of course they record all calls. This would make a good press release and should be made illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
Delay of an average of 3 days between receipt and processing of my loan payment while allowing interest to continue accrue for that period. This extends the payoff of the principle on the loan by increasing monthly accrual of interest applied to the monthly payment. 
Have sent periodic payment via Certified Mail/Return Receipt Mail to track time between receipt and processing payment to get this average. 
Have spoken to Harley Davidson Financial Services on this, but they refuse to change the practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I had several fraudulent transactions on XX/XX/2017 and XX/XX/2017. I called American Express several times to have these transactions removed, however each time I was given a different excuse. I want these transactions removed immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
There is a fraudulent charge on my account, I have researched the charge and deemed it to be fraud. I reported the charge to my financial institution and they have told me it can not possibly be fraudulent because I paid the bill, which is what a person does to keep an account from going delinquent. They told me I must go through an extensive process to reopen the claim even though it should not have been closed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
My card was used in XXXX different locations in the U.S, XXXX, XXXX, none of witch is mine location ( address ) I live in XXXX, XXXX. And the card was always in my possession, the card was used 4 x. I discovered when tried to use it at XXXX, this card is a cash card, I received my payroll in it weekly, that 's how I knew exactly how much I had available. I Called Amex and they told me they were going to investigate, when I called the charges was still pending and they said I had to wait for the charges to go through for them to file a complaint. When I called back only XXXX charges had gone through and XXXX had dropped, they told me to wait for they investigating team to look at it. Well for some appalling reason they decided that I was at fault violating the serve aggrement section : XXXX, and closed my account. I called them asking for an explanation and they gave me no answer! Only that that 's what their investigating team had found. I told them they could never had found that! I have no connection with anyone or anything in the locations of the purchases, a purchase of pizza in XXXX ( um ... I am XXXX ) and a payment of some air talk phone ( my cell phone is XXXX ) nothing relates to me in any shape or form, the total is {$120.00} every bit of it of my hard worked money, given away to some XXXX and Amex serve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.

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

Complaint narrative:
I have been informed that I am unable to transfer any membership rewards points from American Express to partners because my account is under review. They are unable to provide me with any reason for the review and since a nearly half of my membership rewards points have been in my account for close to a year there is no valid Terms & Conditions reason to prohibit these from transferring to partners. American Express is unable to provide any reason for why they are frozen simply than they are under review.

Company response to consumer: Closed with non-monetary relief