vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 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: Gatestone & Co. International Inc.
State: GA

Complaint narrative:
XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. 
On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.

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 2016-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford. 
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Calls XXXX Sunday morning for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: LA

Complaint narrative:
I have continually called and disputed this item with the credit bureau. 
Collection Company will not provide me with they date, time, or type of service or activity I 'm in collections for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
I was in a mortgage refinance process with Finance of America, LLC. Near the end of the process, a separate company offered me a much better interest rate and significantly lower closing costs on a same term ( 30 yr. fixed ) loan. I asked my loan officer, XXXX XXXX, if there were any penalties or policies against me terminating my process with Finance of America. He assured me there were no fees and no laws against cancelling the process. As a result, I decided to end my process with Finance of America. During the initial loan process with Finance of America, I made a payment to Finance of America for {$440.00} for an appraisal of my house. Finance of America refuses to transfer this appraisal to my new lender company. All that is required of them is to email a release on company letterhead to my new lender, which has been requested several times by myself and my new lender. Requests were made to XXXX XXXX, XXXX XXXX, and XXXX XXXX. There are no laws, rules, or regulations in the mortgage industry preventing this and after some research I learned that nearly all lenders will perform this service when requested. As a result of Finance of America not transferring my home appraisal to my new lender, I am required to purchase another home appraisal at an additional {$440.00} cost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC
State: NV

Complaint narrative:
I was the seller in a transaction that closed on XXXX XXXX. I am concerned that I paid a principal reduction for my buyers of {$1900.00}. Is this acceptable to put in the closing cost for the seller to pay. My contract states " Seller will contribute 3 % to Buyers Lender 's Fees and/or Buyer 's Title and Escrow Fees excluding cost which Seller must pay pursuant to loan program requirements. '' It does not seem right to pay a principal reduction for the buyer. This is not a lender for or a Title Fee. Thank you for your time. 

I am wondering if there is something to protect the sellers when it comes to these types of situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Transworld Systems sent a notice to my husband, in his name, for an alleged debt owed to XXXX XXXX XXXX. My husband has never BEEN to this eyecare place, but I have. I contacted Transworld Systems twice asking that they send me an itemized statement for this alleged debt, which I do n't think I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am a former student of XXXX Colleges and attended the XXXX campus. I was conned into taking out their so-called XXXX loans referred to as XXXX loans. The CFPB sued XXXX XXXX for XXXX XXXX dollars for illegal predatory lending. Unfortunately I was n't able to receive any relief from these predatory loans because my loans were sold before the lawsuit. This in my opinion is unfair, as I was still a victim of predatory lending, and it shouldnt matter whether or not these fraudulent loans were sold or not!! They are still fraud!!! Now they have been sold once again to UAS. I refuse to make any payments on these loans, and I disputed the validity of them with XXXX as well as the FTC. The loans have since been removed from my credit report. I received a notice in the mail on XXXX/XXXX/2015, stating if I didnt make a payment, i would be turned over to collections, and forced to pay all of the fraudulent loan plus fees. I am unemployed, I have no money, and I will not pay this fraudulent loan that I did n't get relief from. 
It should n't matter that these loans were sold prior to the lawsuit. What matters is, I AM A VICTIM OF PREDATORY LENDING!!! This company is getting away with fraud!! 
I want relief from these sickening loans!! I want this lending company to cease contact with me. They told me on a recorded line, that they had nothing to do with XXXX XXXX and they could do what ever they wanted. It is my understanding that they have to abide by the same rules as XXXX did, regarding the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Prepaid decided to start levying a monthly maintenance fee without 1 ) Informing me or 2 ) getting any contractual signatures from me. They proceeded to deplete my account of all the money I had already deposited. 

When I contacted them to cancel the account, there was no paper reciept / paper trail that I could get to confirm that my account has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a dispute in the amount of {$240.00} with XXXX XXXX on my card ending in XXXX with the merchant. The most recent dispute reference number is XXXX. I detailed in the most recent dispute that the merchant was contacted to attempt to resolve this problem and they ignored my contacts. The merchant was supposed to fix a check engine light and did not do so, and I was billed. American Express is refusing to honor the Fair Credit Billing Act in refusing to provide a credit for services not properly rendered. American Express has not given me ample opportunity to tell my side of the story and refuses to refund the charge when a refund is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is a credit card account from XXXX from ten years ago or longer. Midland Funding , LLC is somehow renewing the timeline to an earlier date from XX/XX/2014. From a debt long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I settled my credit card account with XXXX and after I paid as per my agreement they sold the debt to Midland, I told Midland I settled with XXXX and Midland then filed a collection lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I requested a verification of the debt. The collector, Transworld Systems , Inc. stated the account was closed to their office and referred me to the original creditor, Ohio XXXX XXXX XXXX. The hospital has also failed to provide verification of the debt leaving me unable to determine prior payments or the nature of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
A few years ago, Transworld System had called regarding medical debts we owed to XXXX in XXXX, PA. I called XXXX Primary Care directly and paid all past due debts. Transworld continued to call for about XXXX months. Finally, XXXX called them and said we no longer owed any debt. The calls stopped. However, over the past XXXX weeks, the calls began again. XXXX to XXXX calls a day on my landline and several calls a day to my cell phone. They are attempting to collect the same debt ( form XX/XX/XXXX and XX/XX/XXXX ). I called XXXX, they stated we owe no medical debt at this time and they are not sure why Transworld is calling. They dumped Transworld XXXX years ago and have their own debt collection agency now. I asked Transworld Systems for a written bill of the debt from XXXX and have received nothing from them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has been stealing money from me for the last 12 month 's through very sneaky, shady, and intentionally devious practices. Over the last 12 months they have manipulated my APR % rate up to 27.49 % while trying to increase by 'extended pay balances ' so they can charge the rate on a higher balance. Year to date they have charged me {$5500.00} in interest charges along with {$660.00} in other bogus charges. All of these unsavory/unethical practices without ever informing that they were doing it. Once I noticed this in XXXX of 2016 they told me they 'd reverse it and NEVER do it again. Recently I balanced my statement and saw that they never stopped and have been doing it all yr. They claim I was late on a payment in XXXX, which I notified them of because of a {$51000.00} IRS tax bill, they told me it was fine and that they would work with me- never once telling me that my APR rate would change. I made all in arrear payments in XXXX and have always satisfied all of my obligations as a 13 yr loyal cardholder w/AMEX. I numerous documented and recorded calls w/AMEX where I have been told repeatedly that I would not be charged this APR, late fees, lose reward points, etc and then they go ahead and do the opposite for my acct and hide it in small writing on my monthly statements in the very back of the statement. AMEX has become an untrusted partner that is surely conducting this type of fraudulent behavior w/many of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 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: NJ

Complaint narrative:
I am lodging a complaint against Midland Funding LLC XXXX XXXX, and XXXX as they are motioning for wage execution for a debt that I do not owe. I have explained to them that the debt was not mine, and they have not presented evidence to counter that. I have written to the court to dispute this, and they are still attempting to go forth with the motion despite my insistence on the fact that I did not make whatever purchases they are accusing me of, and are attempting to collect my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The company TSI/XXXX changed the open dates on XXXX debts XXXX of them where medical and paid through medical assistance to XXXX hospital the open dates where changed to XX/XX/XXXX which is impossible for me to have gone to XXXX since it was bought out in XX/XX/XXXX the other is issue is XXXX which was openedopened a little over 7 years ago but the date was changed to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I disputed the invalidated, inaccurate information with XXXX regarding the negative account and the information that this company continuously report on my credit file. I have sent them a certified letter requesting validation of this debt/information once I was aware of what they were reporting and the negative, inaccurate information. These accounts was paid by insurance before collections and they continuously state that it is not. I contacted the original creditor and they also do n't know what exactly this credit agency is trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I had a judgement made against me that I paid to a debt collector XX/XX/XXXX. XX/XX/XXXX I started receiving letters and calls from Midland Credit Management that I owed them the debt that I had paid to the other agency. I did not give them any money but they kept calling, sending letters and had an account added to my credit report until XX/XX/XXXX. Finally, I resolved the issue threatening legal action but a note should be made that they harassed me for years and would never just call and see that the debt was paid. I had to pay exorbitant interest on my car because of the account they made on my report and they refused to remove because they wanted me to pay. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I paid a judgment XXXX from beneficial finance served by XXXX. this was the amount specified on he judgement from 2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Because of an error on American Express ' end, I occurred a fees totaling a XXXX dollars on a banking account I was in the process of occurring. On XXXX XXXX, I spoke with XXXX XXXX who was the first person who promised to refund the fees as soon as soon as I provided documentation. Because of the hassle I had already been through, I too recorded the phone conversation and would be happy to provide that. Once I provided documentation, I never heard from anyone. After calling in and being passed around, I spoke with a supervisor named XXXX XXXX. He told I could " consider it done '' and he would contact me again within 24-48 hours. That too never happened. I called tonight, was once again passed around to various departments, and was told that XXXX XXXX was not in the office and they were n't sure why he had n't contact me but they were unable to do anything. The supervisor I spoke with tonight said he should be contacting me tomorrow. I told them I was filing a complaint tonight as this issue has gone on for too long. I 've literally spent 4+ hours being passed around with no results.

Company response to consumer: Closed with monetary relief