vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 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: PA

Complaint narrative:
I began receiving calls and letters from Midland Credit Management concerning a debt from XXXX, approximately 3 years ago. I have never opened a XXXX account and have never associated with XXXX in any manner. I have had a XXXX cell phone, with the same number, since I was XXXX XXXX XXXX. I contacted XXXX and they said they can not do anything as the debt has been sold. I contacted the Police and they said to get the information from XXXX. I am stuck in the process of clearing this debt that is not mine. I am not sure how this account got attributed to me, but would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: NJ

Complaint narrative:
XXXX Bank is trying to collect a debt from me that is ot mine. There was a credit card opened in a name, that is not mine, but the person used my information to obtain the credit card and now they are trying to hold me liable. i have been harassed and told that the debt is mine and now t he company changed the name on the account to my name as if it was the name being used the whole time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls. 
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: OH

Complaint narrative:
I am complaining about my key advantage checking account from Key Bank. I used a promotion code of {$300.00} bonus for opening this checking account and do not get the bonus. 
The {$300.00} bonus required {$1000.00} direct deposit and 5 online bill payments within 60 days from account open date. I met all the requirements, but Key Bank said I did not. The bank said my account open date is XXXX/XXXX/2015 and I met the requirements on XXXX/XXXX/2015 so I did not met the requirements within 60 days from account opening date, which I think is ridiculous. 
I did applied this account online on XXXX/XXXX/2015. But after submitting the application, I was told that the account was unable to be opened online and I had to open this account in a branch. 
Then I went to a KeyBank branch on XXXX/XXXX/2015, opened the account in branch. I made an initial deposit of {$50.00} which was posted on XXXX/XXXX/2015. 
I made the {$1000.00} direct deposit on XXXX/XXXX/2015. I made five online bill payments on XXXX/XXXX/2015 which are posted on XXXX/XXXX/2015. I definitely met the requirements within 60 days from my account open date XXXX/XXXX/2015!!!!! 
I went to a branch ( locating on XXXX XXXX XXXX, XXXX, OH XXXX ) on XXXX/XXXX/2015 to ask about my {$300.00} bonus. I was told I did not met the requirements since the account open date in their system is XXXX/XXXX/2015 and I should completed requirements before XXXX/XXXX/2015. It is ridiculous! My application was rejected on XXXX/XXXX/2015 online, I opened my account in a branch on XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion improperly re-inserted inquiries back on my credit file without following the proper procedures mandated by the Fair Credit Reporting Act.. 

THE FOLLOWING INQUIRIES ARE REPORTING IN ERROR AND NEED TO BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX- XXXX/XXXX/XXXX 11. XXXX ( XXXX ) XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

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 non-monetary relief
Consumer complaint received 2015-06-23 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: Ross, Stuart & Dawson Inc
State: IL

Complaint narrative:
I called XXXX to replace my glass.  They came to my home XXXX to replace a window, XXXX times they brought the wrong glass. Because They did not bring the proper glass, I told them that I don't want them to attempt a XXXX time. They went ahead and ordered a new glass regardless.They charged my credit card without my authorization. Now they are trying to collect but I NEVER SIGNED A CONTRACT NOR authorized a XXXX glass. XXXX sided with me.  They have sent me to a collection firm. I have requested the contract from this collection firm according to The Fair Debt Collection Practices Act 15USC 1692g  however I have yet to receive the paperwork.

Company response to consumer: Closed
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I recently learned that ( XXXX ) credit card accounts with American Express were recently opened in someone else 's name with my social security number and Date of Birth this past XXXX of 2015. I also know that this was originated with a XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX to which I have never resided. I have now lived XXXX for the past XXXX years. I have since filed a complaint now with the CFPB with the credit reporting companies and felt it is necessary to also single out the individual creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
I contacted the lawyer XXXX XXXX representing XXXX who had purchased an existing loan of mine from XXXX XXXX when I was served on XXXX/XXXX/15 for an old loan. I was told they would sue me if I did n't come to an arrangement. I agreed to make payments with them under the condition they would remove the balance off my credit report as I made payments. In XX/XX/XXXX 2015 I pulled my credit report and noticed that the original balance and the ending balance were still the same. I called to confront the Apothaker office and asked why they had n't reported to my credit. Their response was that they never agreed to that. I asked if they recorded all conversations and they said they did. I then asked them to play back the original conversation from XXXX and they refused. I hung up, called my wife and she then called Apothaker the same say asking about the recorded conversation. They refused to play it for her as well, she asked to speak with the manager and after an hour she was transferred to " The owner '' of the company. The " Owner '' apologized to my wife about the fact that someone agreed to remove that from the report. My wife called me back to fill me in and at that point I called Apothaker and told them they were not authorized to take money from my bank account anymore because they violated the agreement. I received a nasty phone call from them a week XXXX later threatening to sue me and I could n't not pay them. Last Week on the XXXX I received a writ of execution in the mail saying they were going to seize my property. I was confused by this because I never knew I had lost a lawsuit because they told me the previous year if I made payments I did n't need to worry about a lawsuit. I contacted a lawyer and he recommended that I file a complaint with your organization. He also stated that had I contacted him last year that I never would have had to pay them in the first place because they 're a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 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: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I am a soldier ( XXXX XXXX XXXX ) .I have gotten a letter in the mail from the State of Maryland XXXX College stating that my account is in collection.I have already sent out a letter stating that I have dispute the validity of this debt. I receive tuition assistance because I am XXXX XXXX. Tuition assistance is suppose to cover the cost of classes so the only thing a soldier would have to pay for is books and other materials for classes. The XXXX classes I took was covered but the XXXX and XXXX was not. The first time I registered myself, I had no issues. The counselors registered me thru the college website the second time and now issues have arisen. I noticed that it takes a long time to reflect on their website that tuition was covered by tuition assistance. I received a letter thru the mail that I was in collection and this was my first and only notice about that. As soon as I got the collection letter I went to the school representative but was told they could do nothing about it. I found out through another counselor that it is not only happen to me but other soldiers have gotten a bill when tuition assistance should have been covering their cost. The counselor also stated that other schools would drop the class for you if they do not receive tuition assistance protecting the soldier from incurring unnecessary cost and not messing up a soldier 's credit. She also told me that the only way for me not to be charged is it has to be system error in the XXXX website or it was a counselor error. Yes I did apply thru goarmy.ed for tuition assistance. The XXXX classes I took was for XX/XX/XXXX and I pass both classes. I received the bill in question XX/XX/XXXX. Someone should have contacted me sooner so I could have remedy the problem quicker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
Against XXXX / HomeBridge Financial Service My mortgage payment is setup the way I have to pay the monthly bill and the mortgage company pays the insurances and XXXX taxes out of my escrow account. The monthly payment is basically a combination of the principal, interest and escrow payments. 

I had been paying all bills on time and somehow the XXXX said that the XXXX tax was not paid ( {$3300.00} ) and XXXX claimed it was paid. This went on until the XXXX put a lien on my house and finally XXXX made a payment again out of my escrow in XXXX. I know the XXXX tax was taken out of my escrow account in XXXX and I have documents to show that. A second XXXX in XXXX ( {$3900.00} : initial amount + late fee and interest ) was refer on my monthly as Utility bill. That payment also turned my escrow balance to a negative as a result they increase the escrow payment with my monthly payment going from {$1300.00} to {$1600.00}. When I first called about this, no one at XXXX knew what that utility was. I called multiple times the XXXX tax office to confirm it 's not other than XXXX tax. My mortgage management was transferred to HomeBridge Financial Service and since XXXX XXXX, I 've been trying to make these people understand that I ca n't pay twice the yearly XXXX tax and they do n't even attempt to listen my side. Lately, HomeBridge Financial Service started to return my monthly payment since I kept sending them what was my monthly payment before XXXX XXXX ( {$1300.00} ). Now, they threatening to drive my mortgage to foreclosure. All I want is for them to answer the following simple questions : Was the XXXX tax paid out of my escrow? If the XXXX did not recognize the payment of XXXX tax, is n't that a problem between the XXXX and XXXX / HomeBridge? Why do I have to pay twice the tax for XXXX? 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate
State: CA

Complaint narrative:
The company FMS Investment Corp. XXXX informed me that I would be participating in the Loan rehabilitation program which would reduce fees and costs associated with the transfer of the loan to their company and take away any interest accrued. I have been dealing with this company since XX/XX/XXXX, all the paperwork I have received has said that I was in this program, and I have talked to several employees there of which multiple have informed of the above stated information. Today on XX/XX/XXXX I was informed I was not in the program and none of the above mentioned services would be provided. The information I have been receiving was false and extremely misleading. I informed them that if I would have known this I could have paid it off sooner rather than it gaining interest that I would end up paying back. They stated they were sorry of the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: WI

Complaint narrative:
I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH

Complaint narrative:
I began my modification with noic in XXXX 2016. While modifications are not supposed to charge any fees, noic would NOT start a trail modification until I paid a XXXX title fee. If I am struggling to make a mortgage payment it seems unfair to charge me a fee to start an fha modification. Once the fee was paid I was emailed the trail modification packet to sign and return via fax. I completed my trial payments all on time. My last payment was XXXX XXXX. I was told XXXX XXXX I 'll have paperwork coming to me. Today XXXX XXXX I called. I was advised in order to get final mod paperwork I again have to pay an overnight fee. They refused to fax documents or email. When questioned why they were refusing since it was done with the trail mod, they only offered for me to personally pick up over 2 hrs away, or they would regular mail XXXX XXXX but I need to mail back by XXXX XXXX. They indicated I would have to cover the cost of overnight paperwork because they pass that expense on to get modifications finalized. They would send regular mail but not till XXXX XXXX but refused to fax or email documents back even though it was done before. So either I have to pay another fee to them to have a modification or I run the risk of paperwork not getting to me. I included the email in which they sent the trail modification to me via emsil, no issue. I included the trail mod paperwork received via email with the fee, and the email in which they received my fax back, again no issue. Now all of the sudden they state fax is no longer an option because of the quality of documents and email is not secur. So instead I am told I either must pay an overnight fee or wait till XXXX XXXX for reg mail and it due back by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
During the period of XXXX, I had numerous telephone conversations with Navient regarding my signature student loans by talking to managers and collections department and education department. I also sent a letter to Navient credit department requesting to remove all late pay during the forbearance period of XXXX. They did not respond to any of my calls in writing or by phone. I had to call them and they said they did n't receive the letter which was sent Priority USPS. A couple days later they admitted to getting the letter and said legally they could not remove the late pays. I am on XXXX Social Security. The repayment loan they requested was not in the means of my income up until XXXX/XXXX/XXXX. They lower the payment to {$160.00} per month over a 20-year period. They take this amount out of my checking monthly. In XXXX, they did not sending any correspondence regarding the loans. In XXXX, I was dealing with the inadequate training of their personnel telling me the loans would be discharged. I had to resend all paperwork in XXXX regarding my XXXX and work on a payment plan sufficient to my income. 
They have reported late pays on my credit report. During the above period I am requesting that all late pays be removed so I can get a home loan which is already in process but being held up do to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
I paid off this bill over seven years a go and still shoews on my credit. please remove from my file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hollis Cobb Associates
State: VA

Complaint narrative:
XXXX XXXX XXXX trying to charge for services not rendered and sent to collection. They did not give me a chance to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Went to Amerisave and I have been having problems getting the loan. I paid for the appraisal {$400.00}, but they are really dragging their feet. I have been trying to get loan since early XXXX. I requested a refund of the {$400.00} appraisal but they would not give it back or give me a copy of the appraisal. They are making excuses and postponing the loan. They keep making excuses that they need more and more paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation