vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: NY

Complaint narrative:
This is the first I hear of this agency trying to collect debt from me. I have no idea who they are nor how to contact them. I have always had insurance to cover my medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
This was paid by my insurance company so I do n't understand why they still need me to pay it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I have wrote a letter to the XXXX XXXX XXXX Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: NY

Complaint narrative:
I am a XXXX and work XXXX, all of which qualify for the public service student loan forgiveness program. I have been on the program for several years. I have XXXX things I need help with. 

First, unfortunately, when I first went on the program I was mistakenly told to sign up for a type of government student loan which did not qualify. I found out and changed to a program which does. 

The problem is, I ca n't find out exactly when I was put on a qualifying program so I do n't know how many more payments I have to make to reach the 120 payments required on a qualifying loan and have the rest of my loan forgiven. 

When I called the Department of Education to ask, they told me they do n't know and I have to call my current loan servicer. But when I called them ( MOHELA ), they said they do n't know and told me to call the Department of Education. 

In the meantime, because individuals combining several part time jobs must work an average minimum of 30 hours per week to qualify as a full time employee and get the loan forgiveness after 120 payments, I have to have a combined XXXX and office hour load of 30 hours per week. This is because most schools will only certify the hours I XXXX and hold office hours when they fill out the employment verification form I must give to the government, even though they know my work load is much heavier. ( I also have to XXXX, etc. ) A normal XXXX load requires XXXX between XXXX- XXXX classes a semester for a total XXXX time of about 9 to 15 hours a week plus one or two office hours a week. I 'm doing double that XXXX load. I would like to cut back my XXXX, but can not do that until I have made the 120 student loan payments under an approved loan program. 

Can you please tell me how to find out how many payments I have already made under the required loan plan so I can know when I can cut back to a more normal teaching load. 

Second, Could you also do something about requiring schools to XXXX work more hours then just those XXXX, and include those other hours on the work verification forms we have to turn into the government to verify our work loads. There are many job where the employee is 'out of the office ' but still obviously working many additional hours per week ( inspectors, real estate agents, visiting nurses, plumbers, house painters, etc. ). Can we please do something about this. It is my understanding that for the Affordable Care Act a school has to put about 2 1/2 hours work for every hour a XXXX. That 's a reasonable approximation ( if understating the work most of up put in ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding threatened me with a lawsuit, if I do n't pay at XXXX debt. 

Sent then a letter asking for verification of the debt. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has outrageously ignored my validation requests for an alleged debt that they say I owe. They have NOT sent me any of the information that I have requested so that I may look it over front and back and verify it as correct/incorrect, mine or not mine. Instead, they simply sent a COPY of a bill as well a two delay/avoidance letters saying they do not understand the nature of the dispute and they need me to send them documents! I do NOT have any documents hence the reason I am asking THEM for validation of what they claim I owe them.They need to show me the documents that I have requested. All along they are continuing to report this to all XXXX credit bureaus and in their letters, they state that they are attempting to collect a debt ... which both violate FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was attending the XXXX college XXXX and i have a genesis loan and i would like to know if they were included in the CFPB settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: MOHELA
State: CA

Complaint narrative:
My federal student loan is serviced by MOHELA. Six months ago, I requested a forbearance because of unemployment. The process entailed filling out and submitting XXXX forms along with documentation of unemployment. I did so, and my request was denied. MOHELA wanted a different more documentation. I initially had trouble getting additional documentation, but eventually downloaded from the website of the Texas Workforce Commission ( TWC ) a Payment List Summary. This summary contains information about when and how much I was paid in unemployment benefits. It also indicated that I had received the maximum amount, and that was ineligible to receive additional benefits. XX/XX/XXXX, MOHELA informed me that my request was denied because I had not submitted the documentation with the XXXX forms. 

I submitted a new request XX/XX/XXXX with the XXXX forms and the documentation from TWC. On XX/XX/XXXX, I was informed by MOHELA that my request was denied because TWC document was not recent enough. When I called, I was told that I would also have to register with MOHELA 's Career Services. 

This pattern indicates to me that MOHELA is unwilling to approve my forbearance. If that 's the case, then I will be very frustrated and puzzled because I have continued to make payments despite being unemployed since XX/XX/XXXX. I have used my retirement funds to meet financial obligations while I have diligently sought employment. At this point, I would like help in trying to resolve this matter with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Financed a computer with XXXX. Paid for more than half of it with monthly payments bringing the balance down to a little more than $ XXXX.Midland Funding LLC is trying to collect {$2500.00} from me. Not wanting to accept payments that I could afford. But always asking for sums of money that I could not afford. I understand that Midland purchased the debt, possibly from another collections agency that bought it from XXXX. I feel very strongly that sending a debt from {$700.00} to {$2500.00} is taking advantage, overcharging, possibly legally wrong but definitely morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received by mail a letter from Midland Credit Management Inc. that a judgement was entered against me on XXXX/XXXX/2016 for the amount of {$1700.00}. The letter reads that a judgment remains unsatisfied, and that I must disclose my finances to them. I was never served a lawsuit. I have looked up my county records, and see now prior or current lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Hsbc is inaccurately reporting on my credit. It is to my understanding that how long a credit item reflects on your credit for negative reporting is determined by the date of the last activity on an account. It is a serious violation of federal and state laws to not accurately report that information. Hsbc is reporting completely different dates on all XXXX credit Bureus which was disputed and came back as reported accurate. This is a violation of my rights to have an accurate credit report and a total disregard for law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: GA

Complaint narrative:
Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted. 

Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I upgrade my credit card with American Express and I was told my reward dollars would be transferred to my new card, I doubled checked before I cancelled my old card and was told that my rewards {$35.00} would move over to my new card so I cancelled the card.I waited two weeks to check on my rewards and was told they ca n't transfer the money, I lost the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Spoke with a representative of the company who had a XXXX who stated I had an outstanding balance for a XXXX card, when I offered to make a payment on the account as part of a payment plan I informed the collection company that the balance was incorrect by {$400.00} + dollars and that I knew I only owed {$1000.00} and that is all I was willing to pay, The person who called me then informed me that they would sue me and threatened to have my wages garnished over the outstanding balance the person who called was very rude and made no attempts to work with me to resolve the issue, he kept trying to use intimidation to make me agree to terms of a payment I could no afford and told them I was unable to make the payment amount they wanted and would be willing to work out a better payment plan with them once the balance was corrected again several times later they threatened to sue me and take me to court

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 is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This particular account was sold to midland funding The account in question is over seven years old and the collection agency Midland Funding practice illegal credit reporting practice this account was removed by this company days later they put it back on my credit file I have experience the taking off and on at least 3 times I took screen shots for the record of this unfair advantage that they have over the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with XXXX. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call XXXX to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from XXXX. two years later XXXX took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
XXXX have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
XXXX has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sarma
State: NY

Complaint narrative:
I do n't even know who this bill collector is, but they 're calling from XXXX. They are asking for my stepmother who I have n't lived with since 1992, and whose finances I have NOTHING to do with. When I tell them she does n't live at this number and has never lived at this number, they claim she gave them my number, but I know that 's not true. I do n't even speak to her much anymore! Why would she be putting down my phone number? Even if she 's putting my phone number down, I have nothing to do with her debt. 

There is no debt I owe them. They have no right to be calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I signed up for my " XXXX '' American Express card willingly XX/XX/XXXX. I received a letter saying that XX/XX/XXXX my card will be closed, due to no fault of my own. As a consumer, my XXXX credit score will be negatively affected not due to any fault of my own. I have a XXXX available credit limit now, I use the card responsibly, and am going to be adversely impacted due to American Express and XXXX ending relationship. I spoke with Amex and the only resolve they offered was to sell me a new card ( furthermore giving me the negative credit history for opening up a new account. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I completed my American Express Platinum card Platinum $ XXXX spnd/XXXX MR Pts signed up bonus and these points were posted to my account on XXXX/XXXX/2016. On XXXX/XXXX/2016, American Express took these points back due to " adjustment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I 've been contacted by Midland funding collection agency on behalf of XXXX in amount of {$1700.00}. This debt is from 2011. I remarried cancelled contract with XXXX to transfer over to husbands phone carrier. Midland funding nor corporate XXXX will provide contract and itemized bill. Will only provide a brief summary of what is supposedly owed. I have contacted an attorney and have them on retainer. I 've been going back and forth with the collection agency and they stated they do not have these documents from the creditor. It 's my legal right to see the contract and itemized bill not a summary of which looks like my XXXX old could have drafted. Please help as I want this removed from my credit report all XXXX bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XXXX did not advised me this was attempt to collect a debt and also stated they would remove it off my credit report while they investigate it still remains on my report and the address that is on this account is a address i have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I opened an American Express Platinum personal credit card that has a welcome bonus of XXXX Membership Rewards points if I spent {$3000.00} on the card in the first three months. I fulfilled this spending requirement and was awarded the points. When I went to transfer some of the points to an airline transfer partner, I got an error and when I called an Amex phone rep told me that my points ( as well as those of all individuals who applied for the card ) were being frozen pending a review. They instructed me to wait 6-8 weeks for the review to be completed. On or around XX/XX/2016 I logged into Amex and saw that the points had been removed from my account. The Amex phone rep could give me no details as to why the points were removed. She did open an " XXXX '' case and told me Amex would be contacting me within 72 hours. That did not occur and another phone agent I spoke to subsequently confirmed that he had no ability to review my account. He also told me Amex would be in contact with me. That has not happened and I have not received any correspondence via mail, phone or email letting me have any information on what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
HSBC is reporting a charged off acount on my XXXX and XXXX credit reports. This account was involved in litigation in which I prevailed and the case was dismissed with prejudice and the account was to be removed entirely from my credit report. The account remains on these XXXX reports showing XXXX balance but reporting negatively and inconsistently between the XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Without any explanation other than saying " fraud '', my American Express Serve prepaid card account was closed. I had a positive balance of over {$1000.00} dollars which they have taken away from me. They will no longer discuss my account with me, allow me login access, nor provide any statements. They have provided no evidence of fraud nor a legitimate reason for closing the account.

Company response to consumer: Closed with non-monetary relief
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: RS Clark and Associates, Inc.
State: AZ

Complaint narrative:
This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
american express keeps calling from like XXXX and claiming to send police to my house to take me to jail was very vulgar language to address i owe this company more money than i even could pay for. or even could get credit for.

Company response to consumer: Closed with explanation