vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as XXXX XXXX sold to Midland Funding another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My wife 's American Express statement showed she owed {$4700.00} in charges for the month of XXXX. The balance was to be paid in full by XXXX XXXX, 2015. Only XXXX XXXX, 2015, I posted the full payment against my XXXX account on the American Express website, and American Express posted my payment to its account on XXXX XXXX, 2015. On the same date, XXXX XXXX, American Express sent a letter to my wife stating it was reporting a late payment to the credit bureau, and notified the credit bureau that there was an outstanding balance of {$4700.00} due American Express. XXXX picked up the information because I filed an application to refinance my mortgage, and concluded that the information adversely affected by wife 's credit rating score. American Express states that it automatically reports balances due and that the report has nothing to do with a credit rating unless the credit cardholder is late in payment or in default for payment. But that 's not the way banks interpret the reporting. Although American Express was paid on XXXX XXXX, the charge of {$4700.00} was still on the credit bureau report as of XXXX XXXX Credit card companies should be prohibited from reporting charges to credit bureau unless the account is past due or the cardholder is in fault of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is not allowing me access to my Membership Rewards points after I have earned the points. I have an upcoming flight I need to transfer my points to and it 's frustrating how they advertise their rewards program and not allow you to use it. American Express refuses to let me speak to the department that handles it and refuses to give a timeline on when it should be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been trying to resolve an American express fraud case since XXXX. I am hearing impaired and can`t hear the people that don`t speak my same language. I was told by an American express supervisor to ask for XXXX supervisor but they keep giving me someone I can`t understand even though I am XXXX and did what I was told to do. I keep getting rebilled for unauthorized charges and now they sent me a letter saying they can`t find the charge for XXXX.see attachments. It is clearly stall tactics so you will give up.I have tried repeatedly. some customer service reps say the fraud claim was not even filed yet I have letters from the fraud deptXXXX was supposedly blocked from billing me yet there it is XXXX/XXXX/XXXX. how do I know it isn`t an XXXX employee or American express employee frauding this card? it should not be this difficult to rsolve. I contacted the fraud dept via fax XXXX/XXXX/XXXX as I was told to do by XXXX an employee in the fraud dept. still no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a letter stating if I do n't call and pay them they were going to take legal action against me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 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: IL

Complaint narrative:
I requested validation of this so called debt. The validation was never received. I tired this twice. The dispute was supposed to be over with on the XX/XX/2015. I thought this was taken care of because i called them asking to remove it from dispute. It is showing up as " in dispute '' ( see attached ) and should be resolved over 2 months ago. 
Due to this I have been denied my mortgage because the underwriter will not accept my file until it is out of dispute. I have faxed them to pull it out of dispute because i disputed it back on XX/XX/2015, and still showing " in dispute ''. I know my rights and i know that under the Fair Credit Reporting Act and/or The Fair Debt Collections Practices Act this should be out of dispute. This company has caused me so much grief with my family and i need it to end. I am going to fax them one more time to take this out of dispute as it should no longer be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 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: TX

Complaint narrative:
I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. 
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I got letter from Midland Credit Managment inc saying that I owe them XXXX $ which I do n't. and the original creditor was XXXX in South Dakota. I never got any credit from that bank or had any bank account. And never been in South Dakota. They threatening me that they will report me to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am writing to let you know that I have received your collection notice for a defaulted student loan in the amount of {$28000.00}. 
This debt, originally accumulated as a private student loan I received when I was enrolled at the University XXXX from XX/XX/XXXX-XX/XX/XXXX, was a debt that I began paying on after I began my XXXX career XX/XX/XXXX. Since that time, I have made monthly payments in increments of {$280.00} a month, from XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX, I was informed in a phone call I made to you regarding my payment structure, that my student loan was in default after you received no monthly payment for two consecutive months. 
I received no written notification of this change of status when it occurred. 
I was told in that phone call that making an interest payment at that time, and continuing to do so until such a point that I could begin making payments on the principal, would in turn remove my account from default and would allow me to bring my debt into good standing. XX/XX/XXXX, after receiving notification that my loan was being sold to a debt collection service known as Transworld Systems, I contacted Transworld Systems and challenged the legitimacy of the debt on the grounds that I had received confirmation from a loan service specialist managing my account under your supervision, that providing interest payments on my loan would " bring the debt into good standing, '' and thus bring my debt out of default. 
I have yet to receive any acknowledgement by you, your company, or its affiliates, that you or your agents ever spoke to me regarding such an agreement. I am challenging your authority, therefore, in managing this debt, on the grounds that you and your affiliates are held responsible for false testimony and are ultimately guilty of perjury. 
Please feel free to reach me if you would like to schedule a hearing on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC continues to report negative information on my credit report that is over 7 years old. I have XXXX accounts with HSBC that are currently reporting as charge-offs. This information is over 7 years old. I called this to HSBCs attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from HSBC stating that as a customer courtesy they had made the decision to delete the tradelines reporting. That the accounts would no longer be reporting. Since XXXX XXXX HSBC has reported XXXX times to the credit burea and continues to report as charged-off. They reported it XXXX XXXX as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for an American Express XXXX card on XXXX XXXX, 2016 with a bonus offer of XXXX points for meeting the spending requirements within 3 months. I met the spending requirements prior to the end of XXXX 2016. I was awarded the bonus points on XXXX XXXX, 2016. I have been trying to transfer the points to an airline transfer partner to book a flight for XXXX. However, my points have been under investigation for a while now, and I am still unable to use them. To make matters worse, this investigation has caused all of the points that I earned from my other American Express cards to be unusable as well. Meanwhile, the flights keep on filling up as I wait. What I want is for them to speed up this investigation process or allow me to use the points that I earned from my other American Express cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: TX

Complaint narrative:
I was contacted by Midland Credit Management , Inc ( MCM ) regarding XXXX accounts that were charged off from XXXX accounts I 'd held. After some negotiating we settled on XXXX dollars to settle XXXX account and XXXX to settle the other. The collector wanted me to pay right away of course but I was more comfortable paying with a money order, so as not to give away my banking information. While that was not his preference and he tried to deter me by telling about saving money on MY end in not a buying a pre-paid card etc, after researching and finding that this was a 'legitimate ' debt collection agency, while I still would not send them my banking info, I decided on postal money orders. At NO time did he tell me they would not accept money orders for settlements. I called a few days later to ensure that my money orders were received. At the time they had not been, however, the account rep with whom I 'd negotiated the settlement all of a sudden stated that they could not accept money orders unless they were simply being applied to the outstanding balance on the account. That is NOT what he said on the phone. In addition, the initial letters state that the credit report would show settled for less than the full amount owed. MCM also sent a letter a few days later with the same negotiated settlement spelled out. Nowhere in the paperwork does it state a stipulation regarding type of payment. Finally, I got paperwork from them in the mail today ( XX/XX/XXXX ) showing that they did exactly what the guy ended up saying they would do. They applied my negotiated settlement amounts toward the BALANCE of the accounts. When I called about this, NOW they state that the account has a judgment against it and they do n't know why the account manager made me such a low offer for settlement. Also, the letter received today states that my " payment plan had expired ''. The previous collection letters, which I used to send the money orders ( and received a week later ) did NOT say anything about an expired time period. Though the due date on the letters say XX/XX/XXXX, the letters were sent to me AFTER that and I did not believe that there would be a problem with these people after I sent the payment I negotiated in good faith with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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: FL

Complaint narrative:
I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: DC

Complaint narrative:
I paid off my loan to Mohela account no. XXXX. But Mohela took out my monthly payment anyway, so they caused an overpayment of {$130.00}. I have called Mohela to try to get that money back but they have refused to send me the {$130.00}. 
This is a consolidated student loan. XXXX 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 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XXXX XXXX, I mailed a letter requesting cancellation of PMI. I provided information regarding the percentage of the loan to the original value of the home along with an offer to make a XXXX time flat principal payment to get the loan to the 80 % mark as required. Today I contacted Greentree and they stated they imaged my letter on XXXX XXXX. The representative stated she would request that the escrow department take a look at my letter and they should get back to me by XXXX XXXX. This seems rather long to process a request such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I received a call from XXXX x XXXX at DiTech Financial on XX/XX/2017 at XXXX. He called to ask me, " how things were going. '' I advised him that I was n't sure what the purpose of this call was but should n't you be the one telling me how things were going? He had no explanation for the call. I told him the reason for this call since I 've never received calls back from him despite the dozens and dozens of messages I left for him was the complaint filed by me. He stated, " yes, that was the reason '' even though he had no information to give me. He put me on hold for several minutes so he could speak with his manager. When he returned, he stated, " my manager has no information to give you. '' I again told him that I really did n't know what the purpose of the call was other than to waste my time. I asked him to make sure his notes on my account for this call reflected just that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I sent a qualified written request letter to my servicing agent the reply I was mailed a reply that did not answer any of my questions because, " they were just the servicing agent. '' Because I sent you a copy of my qualified written request the same day I originally sent theirs both certified mailed, you filed a complaint with them. Because of your complaint, I received another response including documents, but stated it was not an answer to my qualified written request ( because qwr are to be sent to a strict address, which is the same exact address I did mail the original ). However, the documents sent in XXXX responses are very different from each other and still are not following RESPA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
we have mortgage with greentree servicing. I applied for an inhouse modification which would reduce the interest and put the late payments at the back of the loan. and forgive the late fees. ( they would not even talk about a mod until we stopped paying them XXXX so thisput a negative impact on our credit scores. we use auto bill pay which insure ontime payment and now they claim we were late and want to tack on over {$10.00} XXXX in interest and {$600.00} plus in other fees. the forms they send out are so confusing and talking to a customer care rep is so bad. This month they send out XXXX invoices for XXXX payment and they are not even sending to my address where I live.

Company response to consumer: Closed with explanation