vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: CT

Complaint narrative:
About XXXX XXXX, XXXX I applied for the REPAYE plan with Mohela to begin immediately, while I wait for a decision on my XXXX XXXX application with XXXX. Instead of my REPAYE plan beginning asap as requested, I am currently on General Forbearance until XXXX XXXX, XXXX, Mohela states my REPAYE plan wo n't begin until XXXX XXXX, XXXX and put me on Administrative Forbearance from XXXX XXXX - XXXX XXXX, XXXX. When I asked Mohela why I was no put immediately on the REPAYE plan they stated that the Board of Education controls the date. I would like to be put on the REPAYE plan immediately as requested on my application, while I wait for a decision from XXXX regarding my XXXX application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
A bank account with XXXX was placed in collections with another collections agency. Told them this was fraudulent and sent copy of police report reflecting that. Today I received a call from XXXX about this same account and told them the same information. They requested copies of the police report. Told her I no longer have and she needed to get the information from the previous collector. Woman said I had 72 hours or submit or collection call would continue and then hung up on me. I called back, spoke to another lady and requested to speak to a supervisor, she went over the same information. Told her I have no intention of addressing the matter any further and wanted to speak to a supervisor. She transferred me and I was told the same thing by another supervisor, told them I was n't sending any information and to cease and desist calling me. She said the collections process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me. 
I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care. 
For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival. 
I have filed a report with the Department of Health and Human Services as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company calls me at least 3-4 times daily and now I have been contacted by old friends whom Transworld Systems called directly telling them that I have student loan debt and demanding information about my employer, address, phone number etc. This is absolutely embarrassing and unacceptable.I still have no idea how they were able to get their numbers but my privacy is completely comprimised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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: MA

Complaint narrative:
I have try to contact Midland funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with XXXX Card Services and they do not have anything in there computer that says I owe them any amount of money. So Midland needs to stop reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
Hillcrest Davidson and Associates representative names XXXX was put on the phone to discuss a debt issue with me, he demanded payment immediately otherwise he will damage my credit. I tried to explain the situation that this XXXX account is for business and my boss is the one who is responsible for this and I was proactive with XXXX and get all written notice to XXXX within the timely fashion but the XXXX XXXX XXXX company decided to send to collection anyway. After trying to explain to XXXX, he was rudely refused to wait, and threatening to damage my credit if I am not giving him payment, then I asked them for the amount owed and telling him that I will tell my former boss to send payment, and that still does n't make him satisfied unless I pay him right away. Then I told him that according to FTC, and consumer right to request a written statement mail to my mailing address which I offered to give XXXX but he refused to give me any statement, and hung up the phone. I called him back couple times after, and verbally requested a letter with his firm and amount owed so I can forward to my former boss. XXXX again refused to give me anything. I told him that I am not trying to avoid the payment but I need to contact XXXX and local installer to get to the bottom of this but XXXX did not want to hear anything or give me anytime to gather all of my documents. The way XXXX talked to me was rude, unprofessional and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Unable to pay original loan due to unemployment and medical expenses. Debt was sold to Midland Credit Management who added unspecified fees, effectively increasing amount " owed '' by 140 %. MCM tried suing, but rescinded suit when defendant requested records detailing ownership of debt and additional fees. MCM refuses to remove debt from credit reporting agencies, despite the debt being older than 7 years ( they have reported the date they acquired debt as the debt origination date, not the date the debt became delinquent ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
My XXXX-year old daughter received a credit card marketing offer in the mail from American Express. I checked with the XXXX credit bureaus and there has been no inquiries ( soft or hard ) registered. I had added my daughter to an existing credit card as an authorized user earlier this year for emergency use when she had to travel for school and this authorize user card does show on the credit report, but no evidence of inquiries or ID theft. I contacted American Express at the XXXX # on the letter that was received which was XXXX. They were unable to assist nor able to get a supervisor on the phone to answer how a XXXX-year old was marketed to. I was then given the option to call XXXX, which appears to be a fraud hotline of some type, but they also were unable to assist and stated they only approve or decline application requests. I was then asked to call XXXX, which was supposed to be a complaint group, but ended up being a marketing line for new cards. I then decided to call the office of the president of American Express in NY. In speaking with the executive admin, they would not take any calls only requests that had to be made via email or snail mail. This is not how consumers should be treated when dealing with credit and marketing offers to a minor child and any marketing offers going out the credit companies should absolutely know their target persons are of legal age to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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: RS Clark and Associates, Inc.
State: CA

Complaint narrative:
Due to Address changed, I never received final Bill from XXXX 

After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. 

They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. 

I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. 

As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. 

I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. 

I been trying to contact XXXX but they are not responding to Credit Agency about paid off. 

They still have Collection on my XXXX Credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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:
Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from XXXX. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of {$1000.00}. However, they have issued a XXXX for cancelled debt which is not mine. I have disputed this XXXX with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. 

Also, this issue arose XX/XX/XXXX and Midland Funding issued the XXXX directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tactic and I only became aware of this as I was audited by the IRS XX/XX/XXXX for failing to declare this XXXXof XX/XX/XXXX, of which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA
State: CT

Complaint narrative:
I received a call at work regarding my student loan. It is due on the XX/XX/XXXX and I pay every month before it is XXXX days past due. I received a call on XX/XX/XXXX at XXXX from XXXX XXXX I called the next day and explained that my home number and email are the ways I prefer to be contacted and they have this information on file. I NEVER gave them my work number because that is not a good number to contact me on nor do I want those calls on that number. I contacted them on XX/XX/XXXX, letting them know not to contact me on that number again. My payment was also made that morning. The person I talked to told me that it would n't happen again and supposedly removed the number. She said that the information was obtained through skip tracing, in case I did not pay. I responded that I pay every month, what indication did you have that I would not pay? No response, other that its a process they do. To my dismay, I was called again on that number from XXXX at XXXX the SAME DAY!! I have a previous case that was submitted on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Trans world Systems sent collection notice to me collecting on a account that I had previously disputed with the credit bureaus to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I had bought jewelry ( diamond ring ) which they asked me to appraise before paying the full amount, since I did not agree on the price. The salesman named XXXX told me to appraise and if I find the appraised price lower than the price charged, I can return it. Upon appraisal by a certified GIA appraiser I found that the actual value was {$4400.00} and not {$9500.00} that they had charged. Also a small diamond piece fell off the ring. At the time of purchase I had paid {$5000.00} and the rest was to be settled or returned upon appraisal. I had called them and told them that the actual value was {$4400.00} and that they had charged more than double. I called the American Express and informed them on XX/XX/XXXX that they should place a block on XXXX XXXX and that any charges over {$500.00} they should get our permission before allowing the charges. I called again on XX/XX/XXXX and confirmed about the block. American Express informed me that they will not pay out any amount to XXXX XXXX. On XX/XX/XXXX XXXX tried to put through the charges {$4500.00}, it was denied by American Express. On XX/XX/XXXX they forced charged it using another ID and it was paid out by American Express in error. American Express did not keep up with their word. I called and wrote to American Express numerous times but they did not accept their mistake. XXXX jewelers told me that they will not accept the jewelry back and if at all I ship it back to them they will not accept the jewelry and we will not get the refund. Both parties did not do what they were supposed to and cheated me. Now American Express is trying to bring down our credit rating although it is their fault. I am a member of American Express since XX/XX/XXXX and paid my bills on time. I would like you to look into this matter and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express failed to return its {$190.00} annual fee for my credit card, citing a 30-day policy. On XXXX, American Express stated it did not expect for me to receive my card until XXXX. On XXXX, American Express charged the {$190.00} to the account, despite my not having received the card and not having activated the account. On XXXX, American Express sent me another request to update my address and was still unsuccessful in delivering my card, so I still had not received my card or activated the account. On XXXX, I received the card, activated the account, and used the card. I was dissatisfied with the card and how few merchants accepted it. I also saw that while the American Express site kept my payment information, through some glitch it did not process the auto-payment set-up. On XXXX/XXXX/17, I called American Express to cancel the card. I paid my balance in full, and I requested the {$190.00} annual fee refunded. I was told this should be no problem considering the circumstances, and I was put through from the Credit Department ( to pay my balance ) to the Customer Service Department ( to pay my balance and explain my charges, waive the erroneous late fee and interest, and to process my request to cancel the card ) to the Membership Consultant Services ( to submit my request to Customer Service for the {$190.00} annual fee to be refunded, Report No. XXXX ). Having heard nothing, I called American Express to follow through on the {$190.00} fee refund on XXXX/XXXX/2017. I was repeatedly told by the first line of customer service agent, the next level supervisor, the higher up supervisor, and the next level up supervisor that the 30 days had lapsed from their charge date of XXXX to my call date of XXXX, even though they recognized I had not received the card or activated the account yet on XXXX. They said they could not refund the {$190.00}. I would like the {$190.00} refunded because I did not even receive the card for which I was charged this service fee until days later, due to American Express error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a claim against american express because they never returned the funds that were in my account when my account was close, and I continue to file claims but i do not address my issues. My next step will be a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I kindly ask that if you could please do a courtesy adjustment of my previous XXXX sign up offer to your recent XXXX XXXX points promotion. I recently contacted you and was offered XXXX courtesy adjustment, and I truly thank you for that. But at the same time I had XXXX friends who had the same situation and simply called American Express and received XXXX XXXX points match in both instances. I simply ask that considering they were able to receive the higher courtesy match, I kindly request a match to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am receipt of Transworld Systems letter informing me they are handling the collection of an account that is a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Transworld Systems and me which makes them entitled to enforce a commercial claim against me. Transworld Systems have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming Transworld Systems as a company entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. 

On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. 

I am requesting that the invalidated debt be immediately removed from my credit report.

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

Complaint narrative:
First of all, Asset Acceptance , LLC is trying to make me pay an account that I do n't remember. Their collector told me this debt started in XX/XX/XXXX with another company. This date makes the debt beyond Florida statute and the seven-year credit history. The collector also said her company had this account since XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX, no one has shown me the contract but this company had time to call my family asking about me after I mail a letter asking them not to call. They also refuse to show me the contract. The collector wants to tell me what on the contract in her words. I want to see it myself because she is the same collector that said she does n't know Florida 's time limit law. These are my disputes.

Company response to consumer: Closed with explanation