vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management tried to collect a debt I did not owe. They only contacted me by phone, never in writing. 

Now, they have began to harass my wife for the debt. They have told her that the original debt was to XXXX. In their attempts to collect the debt from me, the never mentioned the original creditor. 

Their tactics seem to be working, as this situation has put a great deal of stress on our marriage. 

Even if I ever owed this debt, I believe that Midland may not contact a family member to discuss it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request a copy of the contract and documentation used to validate and open this account and the identification used. This is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have XXXX issues with Ocwen Loan Servicing , LLC that I am in need of assistance. 

Ocwen purchased my mortgage from XXXX XXXX XX/XX/XXXX. On my XX/XX/XXXX tax statement from XXXX XXXX they have clearly waved any fees that I had acquired during the 18 years they had my loan. However, Ocwen is claiming that I owe them for these fees, amount of {$860.00}. They also have charged me an additional {$1000.00} in fees in less than a year. As of the XX/XX/XXXX statement Ocwen is charging me a total of {$1800.00} in fees. 

I have sent three letters to Ocwen questioning these fees, with no response. I have phoned their customer service department 4 to 5 times and received no assistance, or they suggest I send a letter to the same address that all my letters have been sent. 

Ocwen has been sued by nearly every state they do business, including Illinois for their unethical business practices, including exurbanite or unlawful fees. I have been late on some payments and expect some late fees, but over a thousand in a matter of months, seem very wrong. 

My second issue with Ocwen is XX/XX/XXXX I had some financial difficulty and had fallen behind on my payments. XX/XX/XXXX I applied to Ocwen for a loan modification. This modification was denied. No reason was given. 

I called the customer service department and was told to email a request for explanation as to why my modification was denied. Two emails were sent and as with all other communications with Ocwen, this request went unanswered. 

I have since gotten back up to date on my loan payments and have not been late for any payments XX/XX/XXXX. In XX/XX/XXXX a received a letter from Ocwen dated XX/XX/XXXX stating that I could appeal my modification denial, but have 30 days in which to do so. How could I appeal in 30 days when the letter was sent to me 45 days after the date on the letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I did not want this card. I tried to cancel/close it and cant get a hold of anyone at customer service. I have been on the phone several times for over 30 minutes each time and NO one answers the phone. as of this date I still have not reach anyone and will be sending a letter and HOPE that someone contacts me before any fees are accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer. 
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a prescreened marketing ad for the American Express gold card in XXXX XX/XX/2015 and researched the card online. I decided to open the American Express XXXX XXXX XXXX card with a {$100.00} statement credit for spending {$1000.00} instead. I made my XXXX purchase with the card on XXXX/XXXX/XX/XX/2015. Within a week of receiving my card, American Express sent me a {$250.00} statement credit offer if I spent {$1000.00} in the XXXX 3 months if I use RSVP code XXXX. I called to request that this code be applied to my new account, and the representative told me she could not apply the credit. She suggested I try to close my current account and re-open a new account with that RSVP code to get the {$250.00} statement credit. Following this representatives instructions would cause me to incur a negative credit impact and also a possible balance transfer fee. I feel that since my account is still within the XXXX billing cycle and I received this prescreened offer addressed to me from American Express, that this company should honor the {$250.00} statement credit without making me close my current account and open a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 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: OH

Complaint narrative:
THEY WANT ME TO PUT A XXXX DOLLARS DOWN I DO N'T HAVE THAT KIND OF MONEY ... THE OTHER PERSON TOLD ME IF I DID NOT HAVE A CREDIT CARD OR DEBIT CARD WE HAVE NOTHING TO DISCUSS AND I KNOW SOME OF THOSE BILLS ARE DUPLICATE AND TRIPLICATE I ALSO WANTED A LETTER STATING THAT THESE BILLS WILL BE DELETED OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Was charged for my American Express Platinum Business card {$450.00} for annual fee on XXXX/XXXX/2016. On XXXX/XXXX/2016 was card was cancelled by American Express. on XXXX/XXXX/2016 I called to see how to get the {$450.00} refunded since card was cancelled. Was told it would be credited back by the next business cycle. I now have been turned over to a collection agency for the {$450.00} plus XXXX late charges {$38.00} each. I have tried to dispute charges with collection agency however they stated they only take money and I would have to take up the issue with American Express. I have contacted American Express and get the run around and never get an answer. Yesterday, XXXX/XXXX/2016 I spoke to customer service and they stated another department cancelled the card therefore and they have no way of reversing the charge and am out of luck. 

I should not have to pay for the entire annual fee when I only received 11 days of the card benefit. Plus I was told that I would be credited back the fee on XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 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: FL

Complaint narrative:
Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. 
After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received call from XXXX to my cell phone at XXXX on XXXX XXXX, 2015. The number is registered to Midland Credit Management. The caller refused to answer my repeated questions of " Where are you calling from? '' " What company are you with? '' After several refusals, they were going to " transfer me. '' I believe this is fraudulent behavior as the FDCPA prevents them from " place telephone calls to you without identifying the caller as a bill collector. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 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: FL

Complaint narrative:
A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX XX/XX/XXXX and finally received copies of statements from MCM after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested MCM to provide details on how the alleged amount of {$1100.00} was calculated, MCM has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX U.S. Dist. XXXX XXXX ( XX/XX/XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account.As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC
State: AZ

Complaint narrative:
I was doing business with XXXX XXXX at Envoy Mortgage. We spoke on the phone and locked the rate at XXXX at pricing XXXX. There was a fee of 2.48 % for prepaid mortgage insurance and the difference of XXXX was supposed to come back to me to use toward closing cost. At the last minute when the closing disclosure was sent the fees looked off and I did not see the credit of XXXX ( roughly XXXX dollars, I can provide exact amount ) on the deal. When questioned about XXXX stated he made an error in the fee that was quoted and it was actually XXXX higher which would bring it to XXXX. This was brought to my attention right before signing loan docs and I had no choice but to sign to ensure that I would have a house. Even with XXXX 's error that still leaves XXXX ( about XXXX dollars ) in missing credits. XXXX also stated he gave me a XXXX credit which he matched the offer from the builder 's lender. He stated he left off fees as not to list them. In my eyes XXXX still owes me XXXX in seller credits based on the facts that I have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I was browsing XXXX ' mobile application looking for hotel to stay for that night. It was my first time using the application. Somehow, there was a booked reservation on my account for that night. I called their representative right away explained that I was only browsing and I did not want to book that hotel. Long story short, the representative said that there is a XXXX ' logo on the mobile page and if I click on that logo, then XXXX automatically book that hotel for me for the night. There was no subsequent confirmation page before the booking goes through ; it automatically booked. Once the booking is done, there is no cancellation and no refund. 

The issue here is that I do not authorized the transaction. I was my first time using their mobile application and the method of their automate booking by tapping their logo is not fair and deceived. I think no average consumer would know that XXXX automatically book a hotel for you by clicking its logo - there should be at least a following mobile page clicking the logo to confirm my booking, but it was not the case here. In addition, I did not stay at that hotel and that hotel where XXXX automatically booked for me was very far from where I wanted to stay. I did not authorize the booking and I am writing to seek your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
AARGON VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. SEVERAL UNFAIR, DECEPTIVE AND ABUSIVE PRACTICES, VIOLATING THE F.C.R.A. F.D.CP.A. AND XXXX COUNTS OF THE T.C.P.A. IN THE COMMISSION ODF COLLECTING CONSUMER DEBT.CALL US 2 TIMES AFTER CEASE AND DESIST AND FAILED TO CALL MY LAWYER. called XXXX on cell number. 

SEE ATTACHED

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: PA

Complaint narrative:
The debt of {$500.00} that was owed to tekcollect representing XXXX was payed directly to ccac aproximately 4 months ago. They informed me that tekcollect would be notified. According to XXXX the debt has not been resolved and is still negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc.

Complaint narrative:
Nationwide Recovery systems reported to my XXXX Report a debt for which I never received a statement or collection letter. I Paid my bill today XXXX. XXXX agreed that it should have never be sent to collections because Nationwide reported all mail returned. I paid and XXXX told me that Nationwide should take that collection out of XXXX and/or any other Credit reporting company within the next 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
This is not the dentist I go to I have been going to the same dentist for the last 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I applied for a cash-out re-fi on a property i own free and clear. My loan was conditionally approved. The lender request that I provide additional documentation to explain my social security XXXX income. I had already provided several forms of verification such as award letters ad bank statements. My loan was put off for 2 months and then reassigned. I was then asked to provide documentation as to how long i would receive social security. I provided a letter from social security showing that i had recently been re evaluated and and my XXXX was continuing. I was then asked to provide a letter from my doctor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Ceannate
State: NJ

Complaint narrative:
Recently received an order from my employer 's Human Resource Department that my wages were going to be garnished due a student loan. Now, I was aware of the actual student loan, but the garnishment of not only my wages, my taxes where also seized. Thus, I called the collection agency to verify and they HAD THE WRONG ADDRESS!! It was a residence I lived at approximately 6-7 years ago! I was under the impression that I 'm suppose to have at least 30 days of notification of the actual wage garnishment! But it was sent to an old address. Furthermore, the amount the agency asked for is susceptible. This story is " To Be Continued '' hence I have to forward my now residence information!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NAM National Arbitration and Mediation
State: OH

Complaint narrative:
Called me and my daughter and mother and said they were a law firm and are going to send an officer to my house to serve me a summons and i could serve jail time if restitution is not made immediately. My daughter and mother are terrified! They were told this would happen to me after contact on theur own private lphones at their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief