vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
This company tried to force me to agree to pay $ XXXX. to avoid collections. I told them I could only afford $ XXXX. They would not accept this, so I told them I would send what I could afford. I also informed them that if they were n't willing to work with me, they would get even less if they sent me to collections. I then came into extra money, so ended up sending them {$120.00} over two months ( almost double what they demanded ). They still sent me to collection!!!!! They said it was because I did n't have a formal agreement - which I was n't willing to do because I did n't know that I could meet the required amount each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I have told Kays Jewlery to stop calling me since XX/XX/2016. I spoke to XXXX and specifically told her to stop calling me and I will be documenting each call after that and have filled note pads worth of calls. She also threatened to garnish my wages at my new job. She was very intrusive and has not stopped calling. I go through about 15 calls a day. I am in the middle of my debt being paid off through jewelry insurance from my jewelry being stolen but she will not back off me at all and threatening to take my paychecks is the final straw with her.

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 monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Feldman & Stern, LLC
State: IA

Complaint narrative:
A XXXX XXXX XXXX is calling / harassing my wife, me, and now my wife 's mother. He is calling on behalf of Feldman & Stern, LLC out of Florida, which I believe is a company created for just these types of scam opportunities. He is telling me that I have 24 hours to pay this debt that we have never heard of. Apparently the $ 100+ debt is from their client, XXXX XXXX, which we have n't been members of for about 5 years now. We contacted XXXX XXXX and are hoping they take this to the top. This debt collector email us a letter which we asked for and it look so un-professional with many errors. FAKE ... The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX which is different than the address for this LLC on the secretary of state 's website for Florida. Anyway ... they gave a phone number which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ). 

I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing. 

Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years. 

Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use. 

It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
On XXXX XXXX 2015 I have received XXXX calls from Kay Jewelers. Upon speaking with them, I was informed of a balance that does n't match my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
On XXXX XXXX, 2015 at XXXX, I received a phone call from a woman stating she was from Contract Caller 's, Inc at phone number XXXX. I asked her what the call was regarding and she kept insisting I verify my address and social before she gave me any info. I hung up on her and called the number back a few minutes later. The male that answered my call asked me if my name was XXXX and I said yes -- and asked him what these calls were in reference to and what type of business was it I was calling. He refused to answer my questions and kept pressuring me for personal information. I asked him several times what type of business it was that he worked and he was dismissive with me and refused to answer my question. Finally, he said it was " personal business ''. I repeatedly asked him what the call was in reference to and he just laughed at me and did n't provide the information I requested. I again hung up the phone after he refused to identify himself or the business he was working for. I found out that the number they were calling from is a debt collection agency and am filing a complaint for not identifying themselves, using threatening tones and language with me, and not identifying that they are in fact debt collectors trying to collect a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-28 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: Capital Accounts, LLC
State: CO

Complaint narrative:
Our dental practice received an invoice regarding collections services from Capital Accounts. The services attempting to be collected upon are from patient accounts that were submitted to the collections agency from XXXX under a prior business owners name. 

Our doctor purchased the practice from the doctor in question in XX/XX/XXXX, however all account aging and collections from before the purchase of the practice remained in the prior doctors name and were forwarded to him via postal forwarding. 

Capital Accounts had been unsuccessful in collecting and or contacting the prior doctor and on XX/XX/XXXX someone from their office changed the name on the collections account to our doctor based off of our answering service. 

Once we received the invoice from Capital Accounts we contacted them for more information regarding the account and were notified by their representatives that the debt that they are attempting to collect is not ours. It was also at this time that we were made aware that they changed the name on the collections account after unsuccessfully reaching the prior doctor on our office number. 

During our conversation with Capital Accounts we made them aware that the account in question had been erroneously changed into our doctors name, and that we did not have forwarding or contact information for the prior doctor. XXXX continued to harass and make threats regarding why we were unable to provide information regarding the doctor in question. We attempted to resolve the matter and get a corrected invoice showing that no debt is owed by our doctor, however the harassment and threats continued until XXXX hung up on us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I submitted an application for a mortgage refinance through Amerisave. They charged me {$420.00} for the appraisal ahead of time, BEFORE THE APPRAISAL WAS SCHEDULED. The documentation that I signed and submitted stated that I would be charged once the appraisal was confirmed scheduled, not when the card number was given to Amerisave. They took the money from my card and available credit prior to the agreed upon time. 

Additionally, the appraiser stated that he had spoken with the lender, researched the property and the comparable sales. He stated that the reaching the needed appraised value would not be a problem. He spoke directly with me and asked me " How much do you need and why? " ... I told him that I was told that this was an illegal conversation and he stated that we 're on the phone, no proof. 

Once the appraised value was not met, Amerisave tried to get me to switch to a different product, consistent with their bait and switch tactics of 2014.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Global Asset Agency, Inc.
State: RI

Complaint narrative:
I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
XXXX XXXX and their foreclosing firm, Rubin Lublin has wrongfully collected funds from the sale of my foreclosed house. XXXX billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, XXXX billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, Rubin Lublin. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by XXXX for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

Rubin Lublin also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by Rubin andLublin is unfair under FDCPA and I do not agree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-05 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: Aargon Agency, Inc.
State: MD

Complaint narrative:
I am being harassed to pay a debt that is not mine

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 2015-08-10 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Hello, Back on XXXX XXXX, I was offered XXXX Bonus Miles of which XXXX would be XXXX if I upgraded from a Delta XXXX to Delta XXXX. This offer was contingent upon spending {$2000.00} on the card. 

I fulfilled the {$2000.00} obligation on XXXX XXXX. But now 2 months later I have NOT received those miles. I have repeatedly called your XXXX number and have found your agents are be very polite. But your back-end people and processes must be asleep because I have still not received my bonus miles American Express has NOT lived-up to its agreement. 

I would rate American Express a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ). 
I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not have any upaid debt. I have received calls from XXXX on the following dates : XX/XX/XXXX ( twice ) ; XX/XX/XXXX ( twice ) ; XX/XX/XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
constant calls and harassment to my brother and myself at XXXX and XXXX

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

Complaint narrative:
On XXXX/XXXX/2016, I had applied to open the XXXX XXXX XXXX credit card through American Express. I had applied for this card directly due to the promotional mailer that they had sent me prior. This mailer had promised XXXX XXXX XXXX after {$2000.00} worth of purchases within 3 months of account opening. By XXXX, the total number of purchases had reached {$2000.00}. The terms of service state that the promotional points would be posted within XXXX8 weeks after the spend requirement had been met. It has now been over 14 weeks since then and American Express has still not upheld their terms. 

I had directly contacted American Express at the beginning of XXXX regarding the points via chat. They informed me that I had indeed met the requirements for the points and to now wait. I called again at the end of XXXX, was confirmed that the requirements were met, and then to wait 5 business days. On XXXX, I had again reached out to American Express via phone as the points had still not posted to my account. Again, the minimum requirements for the offer was confirmed to have been met and was told to wait for another 2 weeks. By XXXX ( 14 weeks after the requirements were met ), I had called American Express again and reached XXXX. He confirmed that once again, the requirements had been met ( this is the 4th confirmation directly from American Express ) and to now wait another 2 weeks. 

In two weeks, I would have waited a total of 16 weeks. This is twice the amount of time that American Express ' terms of service and contract regarding this promotion states. 

I have been a loyal customer to American Express. This business practice is unacceptable and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received XXXX American Express prepaid reward cards as rebates for purchases from XXXX and XXXX from XXXX. I was informed that they were accepted nearly everywhere, but was embarrassed time and again as I tried to use the cards in crowded lines at local stores including chains like XXXX and XXXX and online retailers as I scanned card after card only to be rejected and having to find another way to pay. On XXXX XXXX, XXXX I called their automated, XXXX phone number to get the amounts remaining on each card. I was told : {$14.00} remained on the XXXX {$20.00} cards, {$6.00} on a {$10.00} card, {$4.00} on another {$10.00} card, and {$0.00} on the remaining XXXX {$10.00} cards even though I had been denied use on these cards. ( The only card I had been able to use in the past was the {$30.00} Am Ex card from XXXX for a purchase of {$23.00} so it had a balance of {$6.00}. ) Later on XX/XX/XXXX I made a purchase at XXXX and was denied XXXX cards with balances remaining, but the receipt showed that {$0.00} was taken from XXXX card and declared XXXX-out, though the automated phone called an hour earlier said it had a balance of {$14.00}. {$1.00} was taken from the {$30.00} XXXX card with an actual balance of {$6.00} and declared XXXX. {$1.00} was taken from another card and XXXX-out though the phone call claimed there was {$6.00} remaining on it. And finally {$14.00} was taken from a card that the phone called claimed had {$14.00} on it and declared XXXX-out. This has been a confused, embarassing experience in which I saw my money randomly disappear with no logical explanation. There is no web address to contact and Amercan Express 's phone number is automated.

Company response to consumer: Closed with explanation