vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had just paid {$1500.00} XX/XX/XXXX, Santander Consumer USA Bank called on XX/XX/XXXX, robocalling me starting all day. When I called back the first service agent said I owed almost {$900.00}. When I asked how this could be when I was told that I was paid through XX/XX/XXXX, had just paid for all tow bills and that the rest of the fees were promised to be waived for me. There was no explanation as to the extra charges other than it was the repossession fees to which I replied, they were already paid and the rest were waived and that I had documentation as to who I spoke with to confirm this. I asked for a supervisor and was put on an indefinite hold. I called back, same scenario. I called back again, asked for a supervisor immediately, it was all one big joke to them apparently, because I could hear people laughing and partying in the background. Put on another hold. I called several times back more with no response whatsoever. The last recorded balance showed {$1200.00} owing, not the original {$800.00}, and not $ XXXX/month for the monthly payment which should not have even been due until XX/XX/XXXX anyway. They continue to call and harrass me starting at XXXX. I have been in the hospital due to this harrassment and it 's affects on my health. I just want it to stop. They have made no attempt to help me clear this debt only to harrass me endlessly calling from different phone numbers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc.
State: DC

Complaint narrative:
Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
This company refuses to provide verification and validation of debt. i have never had a XXXX memebership

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate
State: FL

Complaint narrative:
FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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:
On XXXX/XXXX/2016 I sent Midland Bank Funding which appears on my credit report A Disputed Verification Letter WHICH STATES I 'M Deragotolry I owe {$550.00} am in collections in reference to a XXXX XXXX account. As I 'm checking around my previous credit report I came across on XXXX dashboard that XXXX account was removed from my account credit report as of XXXX credit report will no longer list this acct.The Acct. number stated XXXX is now under Midland funding .I thought the account was already removed from the XXXX credit bureau XXXX as stated on my credit report of XXXX correspondence I received on XXXX/XXXX/2016 was a letter acknowledging my dispute but nothing else no validation of contract or signature or proof.I sent out a XXXX Dispute Letter to Midland Fund after 31 Days and they sent me on XXXX/XXXX/2016 almost the same letter and a copy of Last Bill dated XXXX the Credit Report Midland Fund is re-aging this XXXXmidland fund as Date opened XXXX XXXX n't this a violation? I THINK SO!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
the mortagage company paid back taxes and then doubled our mortgage payment. being current on property taxes is required by this mortgage company but was not when we took out the original loan from another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt. 

The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I had a prepaid American Express Serve card, and when I called in for help on XXXX/XXXX/2015 for assistance with adding funds, they closed my account. I had {$290.00} in cash on the card. They will not give me any information and will not give me my money back. They said I violated the terms of my agreement.? I am not aware calling in for help for a violation. They claim there was suspicious activity on my card. If they 're protecting me, I 'm concerned they will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
i repeatedly tried to contact midland funding llc about a settlement of a XXXX credit card bill they never returned my calls are contacted me instead they turned it over to a law firm for legal action i contacted the law firm after numerous attempts finally got ahold of someone and made arrangements to pay XXXX to settle this account which i feel is a ripoff of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XXXX XXXX, 2015, I made a {$1000.00} payment on my American Express Card to satisfy the XXXX XXXX due date. On XXXX XXXX, 2015, I made a {$5300.00} payment to satisfy my payment due XXXX XXXX. American Express refuses to apply my latter payment as I intended and has instead charged me a late fee because the payment was received prior to XXXX closing the former business cycle. I understand " billing cycles '' are a necessary function of any financial institution, but I also know that transferring funds from XXXX ledger to the next is n't rocket science. American Express is, in effect, penalizing me because I paid my bill too soon, and this seems akin to theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Aloha, Having received two confirmations of the resolution of my hacked account ( XXXX ) in which American Express issued an additional card to an unknown person at a different address, ( XX/XX/2017 from XXXX ( a XXXX? ) in XXXX, and XX/XX/2017 from XXXX of Fraud Services, no address given. ) I have received a refusal from your XXXX Office ( XX/XX/2017 ) to comply. 

I informed them them of the following : '' As a consequence, I will be filing a criminal complaint with the Public Prosecutor 's Office in XXXX against American Express for extortion. 

I previously was told by your agent that I had to pay the minimal amount on my bill to keep the account open so the fraudulent claims could be resolved. 

Now that the issue has been resolved and you did not refund my {$240.00}, your action confirms the intent to extort payments from the victim of fraud rather than resolve the issue. '' Then I received yesterday, XXXX ' ( the incontinent? ) letter telling me to call XXXX if I needed " further service. '' I wanted to inform them that XXXX would not comply, but all I got were four electronic referrals telling me that no such account existed. Finally, I got an " XXXX '' who recycled me to the recorded message at the Fraud Division. Unable to reply to their demands for a fifth time, I go a real person who told me there was no " XXXX '' in Fraud Services. Apparently, AmEx 's Fraud Services engages in fraud. 

Now I have to follow through and prosecute AmEx for extortion. In addition, I will include the BBB, XXXX, the XXXX, and the Consumer Protection Office of the U. 
S. Treasury to justify an inquiry into your business practices. My proposed remedy is that your legal department will be required to be instructed in all " persons '' obligations under the US Constitution. If they continue to argue that they are legal, I would move to have them disbarred to practice law in the USA. Consumer Protection would then be responsible to restructure your consumer " care '' (? ) operations to make them compliant with the Constitution. ( Vide : " XXXX '' and the US Constitution, " indentured servitude. '' Membership credit cards carry excessive interest fees to keep the economically vulnerable in " legal '' servitude to the credit agency and are intentionally designed to inflict these ill-gained profits. This relates to all membership credit cards issued by airlines, banks, etc. who engage in this practice. ) XXXX XXXX, HI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I had a credit card account with XXXX XXXX from XXXX to XXXX. I paid the credit card faithfully until I was laid off in XXXX. The credit card went into collections in XXXX. I paid the collection company from XXXXto XXXX.I stopped paying on it because I hit hard time again. So XXXX in XXXX the XXXX XXXX account went The Law offices of Hayt, Hayt, Landau, LLC. stating I owe {$2100.00} and {$13000.00} went to interest. When I sent my response letter to them, There response was a letter and XXXX XXXX statements from XXXX XXXX. Not anything I paid to the collection agencies.

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 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Appears to be the debt sold from XXXX whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I used my American Express card to book a hotel using the XXXX travel site. 
Immediately after booking found out it was the wrong hotel. I immediately contacted XXXX. They came back a little later and said the hotel was not answering their phones. XXXX refused to refund the over {$200.00} charge for a hotel room that I did not use. American Express apparently is siding with XXXX. I will never use XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
1. Have very strong credit history and payment history with all credit cards 2. In XXXX I applied Amex Delta card for XXXX miles + statement credit, which I did n't receive after 4-5 calls ( every time being assured and waiting few weeks ). Finally, was told wo n't receive miles, so had to cancel the card. 
3. I kept getting similar offers from Delta & Amex, which I ignored 4. While booking my Delta airlines for Alaska, I once again got offered as part of the booking, which I confirmed to receive before applying as part of ticket booking 5. I met criteria in less than a week to be sure 6. After not seeing miles or credit, I called. Was assured after lengthy discussion and informed to get call in a week. 
7. Same thing happened 4-5 times, but there was no follow-up call & each time getting to know " by mistake case has been closed, but will be taken care in a week this time for sure '', only for me to call after a month to be again given false assurance. 
8. Finally after few months, I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was read terms & conditions, all other assurances were just sales gimmick. 
9. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express repeatedly makes soft credit inquiries to my account using multiple addresses. They have been asked to stop because I have a lifetime opt-out in place on my credit report. They refuse to abide by Regulation and stop doing it. They have acknowledged in writing that 1. I have no account with American Express 2. That I have been on the opt-out list for years. 

American Express claims that they " can not stop '' because they are automatic inquiries. They need to find a way to stop. This is the most ridiculous answer that I have ever heard. I can not believe that is an acceptable reason to violate Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Prior to filing bankruptcy last year I had a private student loan through National Collegiate Trust for a sum of approximately {$19000.00}. A year later after my bankruptcy is discharged I get a call from their debt collector and now it is {$30000.00}. How can they charge {$11000.00} in interest in one year, when I took out the loan in XX/XX/2006 for {$15000.00} and it only accrued {$4000.00} over a period of 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I have paid this debt that was an amount not covered by my insurance upon the first notification. I have gone in person to the Provider and they have apologized and stated the debt collection company is acting outside the agreed guidelines and I should have never received a demand for payment from the debt collection agency. I have now received another demand for payment for a debt that was properly paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). 

Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA
State: CA

Complaint narrative:
I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation