vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 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: FL

Complaint narrative:
I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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:
Pleas be advised, I am requesting that Midland Credit Management INC reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] Midland Credit Management Inc has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent letters to Midland Funding and XXXX to have the account information reported removed from my credit report due to it not being mine and that they needed to prove it was mine by verifying my signature and neither company could verify it nor even tried other than to send me a letter stating that my account was sold to Midland and yet they both are reporting on my credit report. If it was sold, why is XXXX still reporting it? Neither could verify nor have they deleted it from my credit report. I gave them 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Per the FTC website XXXX in the section " Posting Payments '' the first line reads " The servicer must credit a payment to your loan account as of the day it is received. '' My mortgage loan servicer, Wells Fargo, is not applying the payments on the date received. I have set-up automatic weekly payments to be withdrawn from my bank account and applied to the mortgage which is to pay the principal, interest, taxes, and I opted for additional principal to be withdrawn and applied as well. I will be uploading a copy of my XX/XX/2017 Mortgage Statement with personal information blacked out as evidence ( you 'll see explicitly noted the weekly payments are " unapplied '' ). Wells Fargo is essentially receiving a short-term interest free loan by holding the weekly payments until the end of the month and then applying them. I believe this is incorrect. They should be applying the payments once received in order to reduce the principal balance which then reduces the amount of accrued interest.

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 2016-06-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
For the last year or so, I have been unable to access my XXXX score as advertised by American Express. I have been told several times by customer service representatives that this matter would be resolved. However, to date, this matter still has not been resolved, despite being promised otherwise by customer service representatives, customer services managers, and customer service supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: NY

Complaint narrative:
I requested to receive verification of debt and have not received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX.filed judgment in court. I sent payment as per agreement for {$250.00}. Company said my payment was only {$25.00} although they had cashed it for {$250.00} from their bank and check had cleared for {$250.00}. They attempted to garnish wages without notifying me and I had to correct error and send them proof of information they had ( ie canceled check and proof of funds ). They blamed my handwriting and said they did not have to notify me of anything. Company representative " XXXX '' never notified me of options such as settlement options which I found out 3 years later I should have received. Caused embarrassment and issues with my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The original XXXX has been 7 years, I have disputed this account with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: LTD Financial Services, L.P.
State: WI

Complaint narrative:
I have told them many times not to call my office of work. I work in a medical clinic and they harass me during operation hours, blocking up XXXX of the few lines we have for clientele needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Pulled credit report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland funding told me that I was going to goto jail if I did not make a paymen that day and the sheriff was coming to my home. I did not make the payment and I 'm not in jail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 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: TX

Complaint narrative:
Midland Credit is trying to collect a debt from me that I do not owe. I have never heard of this company nor have I ever done any business dealing with them. They are reporting inaccurate information on my credit report. I did not sign any contractual agreement with this company and I do not have any contractual obligation to pay this company. Also I did not receive a dunning letter to get a chance at rebuttal before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation
State: TX

Complaint narrative:
I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express cancelled my XXXX XXXX XXXX cards and replaced it with a XXXX Card. The day I received my new XXXX, I saw an Offer on American Express 's Website stating " WELCOME OFFER Earn {$150.00} Back after you spend {$1000.00} in purchases on your new Card in your first 3 months. You will receive {$150.00} back in the form of a statement credit. '' Thus I telephoned American Express and asked for the Preferred Blue Cash Rewards card, and was approved over the phone, and sent this new card. At the time of my request I did not have this product, and also never had this product. Since I qualify for this offer according to American Expresses published terms, this officer should be added to my account, but American Express over the phone has stated the offer is only for new customers. The publisher offers terms does not state it is only for new customers! Please contact American Express, and let them know that I did qualify for this offer. 

The Terms of the offer state " OFFER TERMS Welcome bonus offer not available to applicants who have or have had this product. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Preferred ( R ) Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ) .The statement credit will be applied 6-8 weeks after the spend threshold is met. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must be active, in good standing, and not in default at the time the statement credit is posted to your Card account. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had a Bluebird account in perfect standing since XXXX of XXXX. I have always been happy with my Bluebird account. I had never previously called customer service prior to last week when my card was defrauded of {$290.00} total from 6 fraudulent transactions dated from XXXX/XXXX/XXXX of {$64.00}, {$64.00}, {$64.00}, {$44.00}, {$34.00}, {$24.00}. My card was lost or stolen and I reported it immediately as per my terms of service. I have police reports. However, within ten minutes of reporting this to AMEX, I received an email saying that my fraud claim had been denied. 
According to your website customers enjoy benefits ' [ ... ] such as Purchase Protection* and Fraud Protection* when making purchases online or in store with Bluebird. Regarding fraud, it specifically says 'If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases. ' According to the Consumer Financial Protection Bureau, if reported within 2 days of discovering the transactions, I can not be held liable for fraudulent transactions. I reported this lost/stolen immediately after discovering it, well within the time frame and therefore I should not have been held liable. Furthermore, their ten minute decision shows that you did not perform due diligence in investigating this, and therefore have sold a banking product in bad faith are in breach of contract and have disregarded federal and state banking laws. 

I wrote a letter to the CEO and was contacted by their Executive Relations office, but was told that these are n't really bank accounts and that their profit margins on these are slim. I countered that they clearly say customers are protected against fraud and that these accounts are in fact marketed as bank account replacements by AMEX. I have a new account now, but I do not feel a proper investigation was done, and I feel that AMEX is not honouring their terms of service. I would like a fraud refund of {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
this information was shared illegally without my informed and expressed consent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Mohela for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Mohela is now reporting to the credit bureaus that I am late. At this point, XXXX needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: MN

Complaint narrative:
On XXXX XXXX, 2016, I contacted MOHELA because I logged into my online account and suddenly saw a very large accrued interest balance. I had been paying what had been displayed on their site as the accrued interest even though my payment was {$0.00}, due to a partial financial hardship. The amount was pretty consistent, as reflected by my payment history, so I assumed it was correct. I was under the assumption that, having paid the accrued interest while my payment was {$0.00}, I would not owe any interest, so of course I was surprised to see this large number. The person I spoke with, XXXX, volunteered to file a complaint for me, but I never heard anything. 
Today, I contacted them again about a separate issue, and tried to resolve this issue as well. I spoke with someone named XXXX, who was very condescending but ultimately managed to explain the issue of the day. He did not know, however, how their computer system allocates a payment to the loans if your payment is {$0.00}, which troubles me. So my complaint is XXXX in this case : 1. Why was their online system displaying an incorrect amount of accrued interest for most of last year? 
2. Why are n't payments applied in some logical way to interest first and then principal or however they 're supposed to be applied? 
3. What good does it do for them to file a complaint with the DoE or wherever, if it just goes into the ether and I never hear back about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
Augusta collection agency has been threatening to arrest me because of a past due medical bill. They stated that they would send the sheriff to my job. Under distress, I signed a payment agreement that I would pay them XXXX dollars a month and I would pay the remaining balance in XXXX if I received a tax return. I only received XXXX dollars on my Federal return and I owe the state XXXX and they are threatening to sue me if I do not let them have my tax return information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I found XXXX unauthorized charges of {$17.00} on my Amex card for premium car rental insurance. I called to get refund and was told that on XXXX/XXXX/15 I had " enrolled '' in the premium insurance by phone ( which I do not recall doing ). I was told I could not get refund because I had in fact rented the XXXX cars. I asked for documentation of my enrollment. The agent then went away for a few minutes, came back and said my enrollment " was a mistake '' and he would cancel the program and refund the XXXX charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is emphasizing a " pay by '' date which is 3 weeks after the statement date. They do list a " closing date '' as well, which is at the required 30 day interval but do not explain what it means. This is misleading and appears to be designed to circumvent the intent of the law. I would ask that this be addressed by the CFPB. 

XXXX examples ( from different mailings ) are attached to this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is an XXXX account that is 13 years ago that is no longer on my credit report, but Midland Funding has this account using false information calling it XXXX which is wrong, trying to collect on a 13 year old debt my credit have suffer from not having the money to pay XXXX when my job had close down. Midland have file a case with XXXX County Courts on XX/XX/2014 and this case was close. The account number is XXXX and the Docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I have put in XXXX disbute requests with Midland Credit Management a number of times and have not heard anything from them. The credit card they are trying to collect debt from, is from imagine mastercard in which I never applied for. My mother, whom I was living with at the time, put a number of credit card account and other accounts in my name using her contact information. I have been fighting this battle for a while now, I have had luck from XXXX other companies and they have removed the debt. This company has made no attempt to provide me any information. The original Credit Card company, XXXX XXXX, has also been considered, a closed down company due to fraud themselves.

Company response to consumer: Closed with non-monetary relief