vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
While my son was a student at XXXX University ( XXXX, GA ) from XX/XX/XXXX - XX/XX/XXXX, he took out XXXX Private student loans to help finance his education. These loans originated with XXXX XXXX XXXX XXXX, XXXX. and I am listed as the co-signer. Since entering into these original student loan agreements, these loans have been transferred/sold multiple times to various depositors/collectors seeking payment. XX/XX/XXXX, we received correspondence from XXXX - XXXX XXXX XXXX XXXX ( at the address of a relative where neither of us has ever resided ) requesting full payment of these loans. After learning of this correspondence, we immediately contacted this entity disputing that we had any type of loan agreement or arrangement with them and asked for the supporting documentation to substantiate their claim. At this time we provided them with our current address and telephone number ( which is the still same in present day ) as a means of contacting us with the requested information. To date we have yet to receive a reply from this entity. 

On XX/XX/XXXX I was served with a court summons where I am listed as the defendant in a civil court case ( lawsuit ) where National Student Loan Collegiate Trust XXXX is the plantiff seeking full payment for one of the previously mentioned student loan agreements. Upon further review of the court documents, I learned that this civil court case was opened XX/XX/XXXX with the documentation initially being served to an address that is not my current one, a different address from where the correspondence we initially responded to was sent. Upon asking for the requested information from the loan depositor/collector, we were then served with a lawsuit, a lawsuit from an organization that currently does not have any agreement in place with us as they have sold this loan ( investment vehicle ) multiple times themselves. In addition to this civil case, I have since learned that a total of XXXX civil court cases ( XXXX for each of the student loan agreements ) has been opened although only one has been officially served. The plantiffs in these other cases are National Collegiate Student Loan Trust XXXX and National Collegiate Student Loan Trust XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is not mine. I have sent dispute letter with know response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I had man knocked on my door. My husband answers the door. He asked if I was home XXXX XXXX. Then he tried to serve me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a summons that XXXX was being sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another court date. We did not get any notification when the next court date was. So the collection agency got the judgement. I made arrangements make payments even this I did n't owe the amount. To pay a amount agreed upon. Midland funding llc would not except any payment but a higher amount. Which Midland finding was setting me up. Latter they got a garnish order and tried to garnish my husband social security. Which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: TN

Complaint narrative:
I purchased a 2010 FJ Cruiser from XXXX Toyota XX/XX/2010 in XXXX AL. ( XXXX XXXX - at the time ) The original contract was through XXXX, was to include an extended warranty ( Tender Loving Care ) on the vehicle. I out after a week that the loan had to be financed through XXXX XXXX XXXX. Somehow the warranty was canceled and never activated. 
I do n't remember doing this ... I always take out these warranties! He could n't show me the paperwork! Paperwork was never sent to Toyota to cancel the financing for it and I assumed that I had the warranty. 
The car was taken in for service and they said that the warranty was n't effective which alerted me to the problem. The vehicle was paid off and I approached XXXX Toyota about refunding me the amount and they said the financing company owed it to me. I called Toyota and they said XXXX Toyota owed it to me. XXXX was never paid for the warranty ... I paid for it through my monthly payments ... in full! 
I have the paperwork to back things up ... I also did n't know they had cancelled the Road Hazzard for my Tires!! {$300.00} How can I get this amount back?? {$2200.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened XXXX with American Express Serve card # XXXX and I saw some transactions for {$10.00} every month on my account which I do not remember this Company and to authorize them to charge my account so I called them and Serve Cst Srv Representative open disputes. However, instead of opening XXXX dispute for all charges related to this Company Serve Rep only open XXXX dispute. I called again on XXXX and I asked and different Representative opened about XXXX disputes -I did n't know what he was doing. All charges came from XXXX Company I should have only XXXX claim with disputes. On XXXX my account was closed due to filling fraudulent claims which Serve Representative cause not Me. I never filled that many claims .Serve Employee did not followed correct procedures and did not listened me when I called in XXXX with my not recognized transactions. He did not understand XXXXThese practice are unfair and abusive practices against the Customers. Therefore, I was trying to talk to with Supervisor and I was putted on hold for 1 hr and my next all called has been disconnected. by Cst Srvs ( Please see attached ) I never gave them authorization to file that many dispute claims!!! Today, I was disconnected by XXXX, XXXX, XXXX XXXX. I 'm filling this complain because no one will be accusing me for any frauds!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I have been with Beneficial since 2007. I have refinanced a few time and received a loan modification back in 2007. I have asked for them to refinance my home because the interest rates sits at XXXX percent. When I make my payments which are XXXX monthly, XXXX is the mortgage payment but the interest is XXXX while the actual principal is only about XXXX per month. They are hitting us with unreasonable interest rates. I would like my interest rate reduced so I can afford to make the payments. The other charges are fair and are for property taxes paid. They also charge XXXX late fees per month if you are 11 days past due which is also unfair. 

If they modify and refinance our interest rate our loan will become more affordable. Their only options are to defer payments or to foreclose which is also unfair practice. 

They also frequently change Mortgage Servicing Specialists. Each month I get a letter stating I have a new specialist. 

Because of not so good credit and us owing XXXX on the house with it only being worth XXXX we do not have the option to sell it. 

Would like to see them at least let us refinance at a lower interest rate. I feel like they are just stealing our money with their getting so much in interest. 

My account number is XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was issued an American Express Gold XXXX Card back in XXXX 2016. I have never been late, I have always paid on time and I have never had an issue. My daughter is an authorize user and went out of the country to XXXX in XXXX 2016. American Express declined her charges and I was contacted immediately. An AMEX representative told me that I needed to provide a XXXX and that they would walk me through the process. I completed based on the instructions, I was also asked to provide my XXXX and Pension information as well. All of this information was provided and I have the income so I was not worried. then 2 weeks later they cancelled my card. I contacted them to figure out they said a box was not checked on the paperwork they ask me to complete. They then told me to pay my balances early and then reapply for the same card it should be no issue. Well it has been decline 3 times stating AMEX cancelled my card. I have called 10 times plus and they are now saying my credit is the issue. There has been no change in my credit from issue of my card to now with the exception that AMEX has had me apply for several cards just to have mine sent back to me. They are very discriminatory and no explanation they have provided has made sense. I have every letter and they also say because American Express cancelled my card. I am a Federal employee and I know the law and will fight this to the end because I know how these companies try to get over on consumers. I have never been late, nor a slow or no pay with my American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I found out that there 's a debt on my credit report that do n't belong to me. Last year ago we spent day and hours to get it corrected. We received a letter from HSBC and they removed me from every account. This year again, they put it on my credit report. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 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: OH

Complaint narrative:
A debt collection agency, MCM Midland Credit Management Inc, is continuing to try to collect a debt that my bank deemed to be fraud. I called the debt collection agency and explained the issue ( below ) to them and informed them that they were trying to collect a debt that was determined to be fraud by my bank. They stated that they only work for the company that hired them, and they refused to stop sending me collection notices. It has been 1-year, and they still refuse to stop sending notices. The fraudulent and unpaid bill is also listed on my credit score.n Original Creditor is listed as " XXXX XXXX XXXX Bank and MCM Acct # XXXX for amount {$270.00}. I have done my best, and they apparently have no intention of stopping the efforts to collect something. 

What happened : A friend 's XXXX-year-old daughter ordered " Beauty Cream '' for me with my credit card. I called the company within 10 minutes, and they claimed to have no record of the order. Then I received several charges on my credit card from different companies for the same order. I contacted my bank who determined that this was fraud, and prompted blocked all charges and refunded the money. It took me working with the bank for 3 months to stop all the charges since each time there was a different company name on the charge. Right after that is when I started getting the debt collection notices. I called the debt collection agency who refused to stop trying to collect even after I informed them that it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This collection agency is showing on my credit report with incorrect information. The original creditor, amount owed, and date debt became deliquent. Collection agency has also listed debt as new debt with false opened date. This information is preventing me from obtaing a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: TN

Complaint narrative:
I cancelled a no cash out, refi of my primary residence with : Finance of America Mortgage LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX # XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Notification was sent the day after closing. They have not returned my funds. They do n't answer my attempts to contact. I 'd like all my money back. How do I get it? Thanks. 

Best Regards, -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 monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Nationwide Recovery Services offered to remove XXXX accounts from my credit reports ( all XXXX ) if I paid the amount due. I paid the accounts and they have not removed the collection accounts from my credit reports as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
Since I 've already paid into the process of the inspection, the refinance office has been especially slow in answering questions I have to get my loan processed. They have at times made me wait 48 hours ( possibly longer as I 'm still waiting ) for an answer to valid applicable questions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a car loan through Schools First Federal Credit Union and have had difficulty dealing with them in terms of receiving billing statements and written communication about the status of my account. In addition, they have given me misleading information over the phone which has led to the placement of my vehicle into " repossession '' status. I also have attempted to rectify the payment issues and have made several calls to their customer service department, but the representatives are not helpful and appear to be determined to repossess the car regardless of my attempts to bring the account current. 
I use the car to get to work and depend on the car as my sole form of transportation. I also utilize the vehicle for advertising purposes for a travel agency business and the vehicle currently has a " wrap '' for XXXX on it because I also use this vehicle to advertise for the travel business. The actions of School First Credit Union have caused me a great deal of XXXX frustration and my requests that they communicate with me through mail and written statements have been ignored. When speaking with their phone representative XX/XX/XXXX, I specifically asked when I needed to send in a payment, and was assured that if I mailed a payment in before XX/XX/XXXX, that it would be credited before the 60-day late period. I also mailed a payment to them on XX/XX/XXXX which would have put my account within the 30-day late period if they had accepted these two payments. I am anticipating bringing the account current right away but because they will not accept my payments or honor what they indicated to me on the phone, I am unable to do so. This has caused a great deal of emotional distress and places my ability to work into jeopardy. 
In addition, my parents are both deceased and I am divorced and have no other source of financial assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 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: Harris & Harris, Ltd.
State: IL

Complaint narrative:
So-called creditor is in direct violation of FCRA, FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
A collection account was added to my crediti report. I sent a certified letter asking for verification. I was sent verification with an amount owed with interest. Later I sent a letter certified mail trying to pay the bill and never was sent a response. Also the amount being reported is not the same on the verification letter.

Company response to consumer: Closed
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: GEORGE MASON MORTGAGE, LLC
State: VA

Complaint narrative:
It is widely known in XXXX, Virginia that a Loan Officer by the name of XXXX XXXX spends an inordinate amount of money on realtors and builders on sporting events, fishing charters, etc. There is an undue influence on those individuals to either refer business to him or it ( appears ) is a reward for business sent. This flies in the face of the very reason the CFPB was created. This has been going on for a few years. The community thought his days of this behavior would be curtailed with the CFPB 's visibility and reports of corruption being reduced with heavy fines, etc. However, we 're now under the impression that his " marketing '' is allowable because he continues to flaunt his kickbacks even more. I 'd like to know if what he is doing is permissible or illegal so that competition can be leveled. I happen to be of the opinion that it is not only illegal, but unethical and reprehensible. If, for some reason, his " marketing '' is permitted, we can all benefit from being able to practice the same way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.

Company response to consumer: Closed with explanation