vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
They had me served at a bogus address so they would win by default they garnished me repeatedly without me noticing. Refuse to send me a statement refuse to tell me how much money they have received or is owed, refuse to notify court & credit bureaus that they have been paid. They also garnished the corporation 's bank account that I am a member in not my personal account not my money. I had no knowledge of this debt never received a bill the hospital failed to bill me or my insurance. I found out about this when I had my identity stolen i found it on my credit report and called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I entered into a payment plan contract with XXXX XXXX Hospitals. During my XXXX XXXX call, I spoke with the Billing Customer Service Supervisor, XXXX. XXXX XXXX forwarded me a payment plan contract, which I signed upon receipt and returned to XXXX immediately. This payment plan contract includes automatic monthly payments of {$83.00} to be debited from my XXXX XXXX credit card. 
On XXXX/XXXX/XXXX I received a phone call from Harris & Harris Ltd., claiming I owed XXXX XXXX Hospitals {$500.00}. I instructed Harris & Harris Ltd. to contact XXXX XXXX Hospitals, explaining I already had a signed contract in place with XXXX. During this call I also requested that Harris & Harris Ltd. cease calling or contacting me regarding this matter. 
On XXXX/XXXX/XXXX I again called XXXX XXXX Hospitals Billing Customer Service to confirm that they received my payment plan contract. During this XXXX XXXX call I made an early payment of {$83.00} using my XXXX XXXX credit card. 
Harris & Harris Ltd. repeatedly called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Each time they called they demanded I pay them {$500.00} and stated they were collecting on behalf of XXXX XXXX Hospital. During all calls with Harris & Harris Ltd. I requested they cease all communications with me. 
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called XXXX XXXX Billing Customer Service and spoke to XXXX XXXX. Each time she assured me XXXX XXXX Hospitals submitted documentation to Harris & Harris Ltd. stating my account was NOT in collections. 
During my XXXX XXXX EST call on XXXX/XXXX/XXXX the representative from Harris & Harris Ltd. was very aggressive with me and told me I will go to jail if I do not pay them the balance of {$500.00} I again explained that I am under a payment plan contract with XXXX XXXX Hospitals and refuse to pay Harris & Harris Ltd. I also again asked that Harris & Harris Ltd. cease contact with me. On XXXX/XXXX/XXXX at approximately XXXX XXXX. EST, a representative from Harris & Harris Ltd. called my in-laws and asked to speak with me. My in-laws stated that I do not live there and requested they not call them again. 
I am reporting Harris & Harris Ltd. for unlawful and aggressive collection tactics for an invalid collection account. I ask that they remove my family 's contact information and my information from their systems and cease communications with my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
Aargon Agency Inc. is calling me at XXXX. Per Aargon 's records, they know that I moved out of XXXX and now live in XXXX as I am the one who updated that information with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ceannate
State: TX

Complaint narrative:
i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I have never had any medical bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-12 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: TX

Complaint narrative:
I have a collection account on my credit report listed as Harris & Harris # XXXX. On XXXX XXXX, XXXX I mailed a debt validation letter to Harris & Harris requesting validation of the alleged debt per the Texas XXXX. As of XXXX XXXX, XXXX I have not received any type of validation or response from Harris & Harris, however they are continuing to report this account to the credit bureaus which is considered a collection activity. I have no knowledge of this debt and have received no communication from Harris & Harris at any point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I asked for my documenation I asked for it numerous times but nobody is responding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I do n't know since when American Express has such a horrible customer service, even the supervisor was terrible. I was told that American Express does n't need to be responsible for what their employee told their customers. If that 's the case, then there is no need for anyone who is from American Express and will resolve this case to read the followings. 
Here is the issue. I applied for an American Express Business Platinum card XX/XX/XXXX. I called to apply for that as I 'm not sure if I 'm eligible for the sign up bonus, which was XXXX points after {$20000.00} spending in three months. The representative told me that I 'm totally qualified for the bonus, therefore I applied and got approved. After I received the card and before I started to spend any money on the card, I called to confirm that I will receive the bonus after I spend that much, I got an affirmed answer. That call has a reference ID : XXXX. I would like to ask you to check that voice record. So XXXX American Express employee told me the same thing, I did n't expect the following to happen. After I spent {$20000.00} on my card for my business, I call to inquiry about the points, I was told I 'm not eligible. The first agent told me that I can only get bonus once lifetime. I ca n't believe that an American Express agent is so incompetent to not know their own rule. It 's not a personal card, but business card which is not subject to that same rule. So I asked to speak to a supervisor, that 's when the even more horrible thing happened. The supervisor told me that the previous XXXX agents were wrong ( in a matter of fact, all agents that I talked to were wrong, since the third agent was wrong about business card bonus rule ). She simply told me that I was not eligible for bonus, because I had card 12 days from one year before. She told me the previous agents were wrong, but she is not going to do anything about it. It seems to me that she does n't care about the customer at all! I asked to speak to her manager, she asked me to hold and she will transfer me. But after I hold for 10 minutes, she hang up on me and never call back. I have n't heard anything from American Express since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We refinanced our apartment in the XXXX XXXX with HSBC. The process took a long time - since XXXX - with HSBC constantly coming up with many inquiries, which we responded to within a short time ( usually same day ). Everything was going fine, but we were out of the country when the closing happened XXXX our daughter had POA to sign the papers ). At the last minute ( after we had agreed on all the details of the closing XXXX, HSBC added a {$4000.00} charge to the closing costs, without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On Tuesday XXXX/XXXX/2015 I purchased a Bluebird prepaid debit card at the XXXX on XXXX XXXX XXXX in XXXX XXXX WA. I paid {$5.00} for the card itself and at checkout added {$150.00} in funds to the card. The directions on the box told me I could use the temporary card and to register online for a permanent card. I made a purchase on the same day at XXXX at the XXXX in XXXX XXXX WA which left a balance of {$97.00} on the card. I went online to register the account and found that I actually had to apply for an account ( this is not indicated on the Bluebird card packaging ) and had to be approved before Bluebird would send me a permanent card.I filled out the application and was denied an account for undisclosed reasons. I called Bluebird customer service on Wed XXXX/XXXX/15 and they said they could not tell me why but that I would be able to use the funds on the temporary card any place that accepted American Express. I tried to use the card at a restaurant and it was declined. I called Bluebird customer service again on XXXX/XXXX/15 and they told me they could n't help me and to take the card back to the XXXX I bought it from. I took the card to XXXX on XXXX/XXXX/15 and spoke with a shift supervisor in the money center who tried to cash out the card as well as get cash back with a purchase. They were unable to retrieve my funds. I called Bluebird customer service again on XXXX/XXXX/15 and asked to speak to a supervisor. I was told that a supervisor was unavailable but that a supervisor would call me back in XXXX to XXXX hours. I have yet to hear back from Bluebird and I am still unable to use the card or access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: IL

Complaint narrative:
on XXXX XXXX i sent a certified letter to oliver adjustment requesting validation ( a signature showing i have a contract with, owe money to or have ever done business with them ). it was signed for on XXXX XXXX after 30 days, this company has not sent me any validation of the so called debt, nor have they marked this disputed as i have pulled my credit report this morning and time stamped it. they have broken Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] by not doing either in the required 30 day by law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express states that I have an account with them that was opened in XX/XX/XXXX. I have no such account. They also state that the account has not been paid and was Charged Off. All XXXX credit reporting agencies have this account as a Charge Off and only have five months of activity in XX/XX/XXXX. This account is not mine and has been disputed with all XXXX credit reporting agencies and American Express. Nothing has been done about it. I have asked for proof and they have not provided anything to support this account. I am all prepared to file legal action. The amount that they state is owed is less than an attorney will cost. I am filing this complaint because the account is not mine. I have told American Express that if they want me to pay the account than they need to send me an active credit card and put this account in good standings. They have ignored any and all communications that I have had with them over the last several years. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My American Express card was duplicated in XXXX, 2016 and according to American Express over {$100000.00} charged to my card. I contacted American Express FRAUD Division and was told not to pay on my account until the account was reconciled. As of this date, my account is still not in balance. I was accessed over {$700.00} is late fees and American Express has not waived the fees. I called them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was directed to pay the late charged and fees and American Express would refund the overpayment to me. 
I am receiving letters addressed to a previous residence. I received a letter stating my late payments will be reported to consumer reporting agencies. This is an abomination XXXX. Complete disrespect for a consumer who has been with Amer Ex for 30 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MCM Midland Credit Management Inc. has purchased an old debt that is ten years old and trying to say they are collecting the debt. The FTC has already removed this debt from my credit history and I do not know how they got this information. I called them and told them this has been removed because of the ten year guideline and to not call me any more. They stated that this tactic will not work. I told them you will be hearing from the FTC. Please see this company understands that this debt has been removed and my credit report also states from beneficial paid as agreed. Thanks,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. 
Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express turned us over to collection agency after we had been paying them in which they agreed to accept the XXXX a month and accepted the payments. I paid them off on XX/XX/XXXX and they cancelled my account, turned it over to a collection agency and they reported to credit bureau closed and unpaid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
TransWorld Systems is reporting account number XXXX on my credit report when I paid them. My credit report reflected a balance of {$77.00} but they are still continue to report this items. I had originally disputed it but it does not say disputed on the credit report which I know is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed an alleged account that Midland Credit Management , Inc ( MCM ) is reporting in my credit file. On XXXX/XXXX/2016, MCM sent a letter where the state that they were opening an investigation regarding my dispute. On XXXX/XXXX/2016, MCM sent a second letter requesting my assistance to verify the accuracy of the credit information being reported. MCM has not provided to me any account-level documentation, such as, a signed contract, purchase and payment history, computation of fees, interest, etc..On XXXX/XXXX/2016, MCM updated/verified the accuracy of the information to XXXX but did not submit any account-level documentation to support the accuracy of the information disputed in clear violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: CA

Complaint narrative:
My loan was in deferment/forebearance and MOHELA reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Every Day Im At Work Security Financial From XXXX Texas Calls About XXXX Times A Day For XXXX Of My Co-Workers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
I am XXXX and own a home in SC. My XXXX company offers a interest free financing through Wells Fargo for a major repair I need. Wells Fargo does not recognize the XXXX as a " valid address '', thus precluding my application solely based upon my military service. This seems unfair to deny me equal access to credit because of my assignment on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Today I read an article ( XXXX ) describing how NFCU has been accused of misleading debt collection practices, to include threatening debtors with legal action when they had no intention of actually following through with a lawsuit. 

In my case, not only did NFCU send me numerous threats to sue me, but they did so AFTER I sent NFCU written notification to cease all collection communication, as per 15 U.S.C. 1692c. 

I have attached herein copies of all correspondences between NFCU and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief