vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: The Cadle Company
State: MI

Complaint narrative:
In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX I called american express to get a replacement card I was told It will be mailed to my address in 4 busniss days, After a week I called them back because I did not get the card and everytime I call them I get the same answer.On XX/XX/XXXX I call them and said If I do not get my card I will have to close the account then the representative close the account and hung up on with reading the disclosure to me or asking me for my approval, then they took away all cash back money, And ever since that time I call them over 20 times to solve my problem and everytime I get the same answer that said we will reinstate the account in 48 hours and now its been two weeks and nobody did anything to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 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: SC

Complaint narrative:
ReceivedReceived letter from collection agency ( MCM ), XXXX XXXX, 2016 requesting payment of {$360.00} debit with XXXX. Responded to MCM via certified mail XXXX XXXX, 2016 requested itemized of charges related to debit, copy of any signed contract and proof they were licensed to collect debit in SC. ( I am disputing to total bill ). 

Received letter from MCM on XXXX XXXX, 2016 ; letter explained they reviewed notes on account and determined the debit to be valid. I responded, with certified letter to MCM again requesting itemized charges for billed amount, copy of any signed contract and explained I was disputing the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested. 

Received another letter from MCM stating the information they have is correct and they are uncertain what I am specifically disputing and asked for written explanation and documentation demonstrating any errors in their account information. 

I will be responding to this last letter via certified mail and state in simple language I am disputing the total amount billed, and a simple explanation I do not believe I owe the amount being billed. I will again request itemized charges for the amount billed and copy of any signed contract from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
We are in the process of completing a mortgage closing and approval when a problem arose. we applying for a XXXX XXXX loan which require-sour credit history with our past HSBC mortgage company. We Completed short sale in XXXX 2015 with all the approval and requirements set forth by HSBC.We have pleaded, asked as politely as possible and begged for HSBC to report the trade line and show the short sale as required to get loan approval by XXXX XXXX I believe. 
We tried for close to a year or more submitted paper work to HSBC to hardship department. We where seeking a fixed and lower rates to stop the continued elevation of the already too high 9 % as compared to rates at the time. HSBC dragged their feet and never provided an acceptable solution. 
WE NOW HAVE AN OPPORTUNITY TO RESOLVE OUR ISSUES AND HSBC PROVIDES NO HELP. 
HSBC is the worst company I have ever worked with .HSBC s not customer friendly. HSBC does not believe in the american dream of owning a home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. 

Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 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: CA

Complaint narrative:
XXXX solicited me to switch from XXXX XXXX XXXX by making false statements that the XXXX would work 100 % on their network, which was not true : at the time, the XXXX would only work at reduced speeds on XXXX 's network.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Southeast Toyota Finance has been contacting me about a deceased friend 's account and presumed debt. They had a representative hand deliver a letter to the former address of the deceased and I allowed the rep to photo copy his death certificate which was given to me as friend/informant since there are no living relatives. The rep told me that I would no longer be contacted. Two weeks later, I keep getting calls which I do not answer from SETF. I have asked them to stop. As a matter of fact, they never leave an extension number. So I will assume this is fraudulent activity. The deceased was XXXX years old. The deceased friend left no estate and I am not an executor as such. I never signed a lease or a contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I ( tried ) to use the American express serve prepaid mobile app to deposit a check, which they say takes up to 6 days to apply the funds. I assumed it was to ensure the check cleared. What they do n't tell you is that they use a vendor to evaluate whether or not to accept the check. They check I deposited was rejected and even after speaking to a vendor rep I have no idea why. The information is proprietary and they wo n't tell you why a check was not accepted. They do not provide guidelines of any sort, which means any check can be rejected for any reason. Their excuse is that it is an app and we should n't expect every check to be accepted. The problem is that the American express serve prepaid website and the app do not give any indication that the check will be put through this arbitrary process. this need to be fix I am scared to use their mobile check app fearing that when deposit a check that it will get rejected for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. 
I find it very unethical of this company to let so much interest add back up to such a high amount. 
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX. 
Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home. 
My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value. 
I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Several months back, I was told by a banker at Wells Fargo that I could sign up for " overdraft protection '' by having my savings account tied to my checking. I was told that if I ever overdrew my checking account, that the funds would be automatically transferred from my savings. I have recently closed the savings account, due to loss of income, and reviewed my checking and savings history over the last few months. I noticed several {$12.00} charges for each automatic transfer from my savings to my checking. I was not informed of these charges when I agreed to the option. Had I been aware of the charges, I never would have agreed since I can transfer the funds myself online for free. I attempted to contact Wellls Fargo, explain the issue, and request a refund. I was told by the operator that they always tell people about the fees associated with these transfers, and that they will not refund the money. The most they could offer was a flat {$37.00} for the inconvenience. I explained to the operator that any fees associated with an account service have to be disclosed beforehand. I also requested that they review the call log to verify that I was not informed of the fee ; He refused. Wells Fargo should not call these types of programs " overdraft protection '' without disclosing the fees. It misleads consumers to think they are " protected '' from those fees when they sign up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have nothing to do with Midland Credit Management, they bought an old outdated account over 7 years old from XXXX and they have been sending letters after letters to my employer which caused me embarrassed and about to lose my job. Per Fair Credit Report Acts, this account was over 7 years old and need to be removed from my credit profile, I have sent them many requests and they have never response but instead keep sending collection to my employer instead of my home address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA
State: MA

Complaint narrative:
I was made aware today that MOHELA has been calling family members for the past week looking for me. They were told repeatedly that I do not live there but still continued to harass him. I spoke with them today and they said I must have provided them with the number but this is false and they did not take the matter seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
Data central Collections turn a collection over to the credit reporting agents the original debt came from HSBC and i have never did business with that company i have never received a invoice or demand letter to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within 2 or 3 minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: CA

Complaint narrative:
XXXX school loan from XXXX was sold to UAS and they will not let me know why my loan principle has not been cut by up to 40 %. Please see Case number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
This is a complaint about American Express customer service. I have several fraud disputes open with American Express. They all concern the same merchant, dating back to XX/XX/XXXX. On XX/XX/XXXX, I noticed a new charge from this merchant on my card after I specifically asked about blocking this merchant. I called AmEx the same day. The fraud department representative advised the merchant was not blocked until XX/XX/XXXX. I had spoken to someone at AmEx several days prior - on XX/XX/XXXX or XX/XX/XXXX - and was assured they would block the merchant. This did not happen until XX/XX/XXXX and subsequently, a new charge was made to my card. On XX/XX/XXXX, when I inquired about the status of my investigation from XX/XX/XXXX, the representative did not know what I was talking about and asked which charge I was referring to. Each time I speak to someone from the company, I have to continually start at the beginning and go over information that they already have in their account notes. The fact that the company does not keep track of fraud complaints, nor follows through on their actions ( i.e., blocking this merchant in question ) is unacceptable, and extremely unprofessional. Their representatives appear incompetent, and have no ability to give answers that are not already from a predetermined script. I asked to speak to a supervisor, and was again given the run around ; the supervisor seemed to not know that my account had been flagged for fraudulent activity, and made no attempt to ascertain the status of my account. After 25 minutes of this, I terminated the call. Additionally, even getting a fraud investigation open was a hassle. I spoke to general customer service representatives 3 different times before they finally referred me to a fraud specialist. The fact that it took three phone calls before anyone bothered to notify the fraud department is also unacceptable. And when I did speak to a fraud representative, I was informed their system did not have the same information as the customer service system, and I was made to detail my entire story again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding has taking me to court and continuously updated my credit with negative information. I have sent them 2 letters asking them to validate this debt in which they have not sent the information requested. I have spoken to them on the phone, in which I have the recording, asking them to validate this debt with a signature showing I have a contractual agreement with them and they 've responded verbally saying they do n't have that informatiom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.

Company response to consumer: Closed with explanation