vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
Attorney Javitch Block, LLC, XXXX XXXX XXXX, XXXX XXXX., XXXX , XXXX, XXXX, XXXX, ext. XXXX, purchased my loan ( from the attorney who took the case to court ), the lender, XXXX XXXX got a verdict on it a few years back. Attorney Javitch Block got ownership of the loan when the Certification of Service was signed by a judge in the State of XXXX Circuit Court in XXXX 2015. I received a copy of that Certification from the court by mail. That is the only way that I knew of the transfer. I was making payments on the loan when ownership was transferred and I am still making payments. Atty. XXXX has not contacted me. I have contacted his office on numerous occasions to inquire of what my balance is so that I can determine if it is correct. They tell me that they do n't have my balance because they have not received it from the attorney whom they bought it from and can not tell me when they will have that information. What they have told me, to include managers XXXX XXXX and XXXX XXXX is that they received numerous cases from that attorney and do n't know when they will get the balance and payment information on my case from them. XXXX did divulge the fact to me that they are not allowed by law to contact me in writing until they have a balance to include in the contact letter. XXXX did assure me the last time that we spoke ( XXXX XXXX ) that he would send an XXXX XXXX XXXX to the attorney. He also told me that since they have had the case no interest or fees are accruing on my account. PLEASE CONTACT ATTORNEY XXXX XXXX AND ASK HIM TO SEND ME IMMEDIATELY THE BALANCE AND PAYMENT HISTORY ON MY CASE/ACCOUNT. Surely, there is a time span in which they must provide that information to the debtor once they have acquired the case according to a court preceding. Please inform me of what that time span is. Thank you, 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 explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of Kansas, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX has been thru over 16 plus years trying to collect a hospital bill which I believe was fully paid thru my husband at that times employees XXXX, under the name XXXX XXXX. I have talked to a woman at XXXX XXXX hospital who informed me they do not have any way to do anything for a bill that old. He had me arrested years ago an now again there is a bench warrant just put out for me. I called his office upon this times notices and was told I did not have to appear at these, just ignore it but try to find any proof to take me off there court list. It was a young woman. I had appeared at courthouse in another county XXXX for this same bill about six years ago. No court. I just had papers given to me. They were told any years ago it is paid thru my husband s ins. He used to call all hours an threaten to have e arrested if I do n't pay. He leaves me alone for a few years then out of the blue it 's like we never discussed it previously. I am XXXX almostXXXX and XXXX. His paper said something to the effect that it would n't be a hardship for me to come to XXXX to an asset s court date. It is. I was told that if I go it 's an admission that I agree with the debt. As I can not allow myself to go to jail I feel I under much protest have to pay this again, after 16 years of trying to reason with ppl in his office that answer the phones for him an deal in his behalf. XXXX, Kansas. I am very afraid of him becoming angry an trying to get an keep me in jail or something mean, years ago he proved he can be really mean mouth an not even listen, an threatening verbally. As more proof of his business nature 's ways I also have him on another bill again it 's paid it 's my current drs office they say I do n't owe an my medical card was backdated three years when I became XXXX. I ' ve explained this the same as the other but to no avail. He leaves e alone for a while then bam another post card or paper wants money for a bill my medical card has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris and Harris collection agency has been repeatedly calling and leaving a voicemail to a XXXX Voice # I do n't give out, claiming I owe a debt. I asked to whom, and they claimed a XXXX XXXX. I then called XXXX County to see, they checked the city , county, mva, and court databases and I have NOTHING there. Harris and Harris wo n't send me anything via mail regarding the collection, unless I verify my address, which I wo n't because this seems like a scam. I will follow up with my lawyer if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: IN

Complaint narrative:
Continues to do business under multiple names. 

XXXX Mortgage and Finance of America. They are closing loans under XXXX and marketing under the other. They have XXXX sets of business Cards. They work for Finance of America but advertise as XXXX Mortgage. How can someone do business under XXXX names?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I am reporting a case of Mortgage fraud, the borrower XXXX XXXX and XXXX XXXX, we sued in superior court and lost, and also lost the appeal, I recorded a judgement on XX/XX/XXXX for the amount of {$52000.00} plus interest. I discovered XX/XX/XXXX that the XXXX had refinanced the house as of XXXX in order to avoid the judgement. I immediately notified the bank and the Title company of the fraud. The bank has done nothing to the borrowers and nothing to satisfy my judgement. I have also been in tough with the Title insurance company, which has stated they are going to do nothing until the bank faces a loss, Amerisave has avoided contact ignoring email and telephone calls. They are allowing this fraud to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Opened an American Express account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. Am Ex is still reporting our account delinquent and the judgment has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I had a man knocked on my door. My husband answered the door he asked if I was home. Then he tried to serve me with some papers told him to leave are property. He left papers on are pourch. We looked at them. It was a summons. So we went to court. It was a dept colecter trying collect debt. The bought it from XXXX. We told the XXXX did not owe the amount. That was said we owed. So the judge set a mother court date. We did not get any paperwork of next court date. So the collection agency got the judgement. I made arangments to make payment. The debt collector wanted a higher amount I could n't pay. My husband is XXXX and the dept collector tried to garnish his bank account with is his ssi check. They are breaking the law. And his name is not on the garnishment order. They talk to my husband about my debt which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
XXXX XXXX is signing up consumers for their Platinum card under false pretenses. I have now had the card two times. First in XXXX and now beginning in XXXX. The first time I signed up for the card I was offered a sign up bonus of XXXX points after spending a certain amount ( I believe {$3000.00} ). At the time I was denied the bonus because they said I signed up not using the right weblink and code. This was ridiculous since I did everything I was told. I tried the card again this XXXX because they are supposed to offer excellent benefits, however they defrauded me again saying I am not eligible for the bonus since I have had the card in the past. I understand they are dissuading consumers from attempting to open multiple cards to accumulate bonus points. However this doesnt apply to me. Each time I paid the $ XXXX yearly fee. Both times I was defrauded by XXXX XXXX. I contacted the company several times and they wont listen. XXXX XXXX even went as far to say that their records did n't go back long enough to verify whether I got the bonus in XXXX or not! They believe they are untouchable because the average consumer doesnt have the resources to file a lawsuit. Please help me with XXXX XXXX! d

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
I had an outstanding bill from XXXX XXXX that was incorrect due to my insurance information in the amount of {$290.00}. I contacted XXXX and gave them the insurance info they needed for the bill to be satisified. They agreed, zeroed out the account. About a week later they contacted me stating that my insurance did n't cover everything and left a balance of {$57.00}. I said okay, send me an invoice stating that amount and i will pay for it. I have talked to them on XXXX or XXXX accounts because both amounts are showing on my credit report as collections. XXXX for {$290.00} and XXXX for {$57.00}. I asked them to remove those amounts XXXX times now, and they still have not done so. It 's affecting my credit score and it is hurting my home buying process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is in reference to AMERICAN EXPRESS # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I missed one payment on my American Express card because I never received the bill for XX/XX/XXXX. American Express increased the interest charge on my account to 29.5 % Charging me {$440.00} interest. Could not resolve with AE customer servce.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from American Express 's debt collection agency, XXXX XXXX XXXX, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe XXXX XXXX XXXX deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
While attempting to pay a loan for {$300.00}, from an online lending agency. Every payday I am charged {$80.00} with nothing going to the principle of the loan, I have been getting charged for 4 months, and the amount I owe is {$290.00}, from {$300.00} loan. The employees of the agency are hard to understand when asking for information due to a language barrier. Unfair Billing Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My son attended XXXX College in XXXX XXXX from XX/XX/XXXX up to its closure XX/XX/XXXX. I co-signed with him on a XXXX Education Loan. The XXXX Loan has been transferred to the University Accounting Service, LLC. The outstanding amount is about {$9000.00}. My son did not finish his studies at XXXX College and we believe XXXX and XXXX misrepresented their academic programs by coercing my son into applying for federal and private loans, and false promises of lucrative employment after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent out a certified letter to Midland Credit Management which was recieved by their office on XX/XX/XXXX notifying them of an inaccuracy on my credit report their response to me they sent my letter & all my documents back to me thats it no letter explaining why. I attached all my supporting documents showing where they are reporting to XXXX & XXXX a reporting date of XX/XX/XXXX & a report date of XXXX for XXXX I have a letter from Midland stating that Midland became the servicer of this account on XX/XX/XXXX so reporting a date of XX/XX/XXXX is in violation of the FCRA which states : " The FCRA is the act that regulates the collection if credit information and access to your credit report. It was passed in XX/XX/XXXX to ensure fairness, Accuracy and privacy of the personal information contained in the files of the credit reporting agencies I did offer a settlement with them due to the inaccuracy to clear this matter up since its ruining my credit reputation & have it removed but they gave no response just sent my info back to me

Company response to consumer: Closed with explanation