vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 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: CA

Complaint narrative:
I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments. 
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a promotion from American Express for XXXX Membership Rewards points for spending {$4000.00} in 90 days. I completed the criteria for the promotion, the XXXX points posted in my account but they are frozen and I am unable to use them. I called to make them aware and they said it would be under review for XXXX8 weeks ( would not explain why ). I called back again after 8 weeks and they said it would still be a longer period of time that they 're under review. The points are sitting in my account but for some reason I 'm unable to use them, they still will not tell me why. I am trying to book a flight for XXXX and use these points. I 've spent countless hours waiting on hold for supervisors and explanations and have not gotten anything of substance. This is my last resort

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: MA

Complaint narrative:
I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I bought a dining set XX/XX/XXXX from XXXX XXXX on XXXX/XXXX/2015 using my American Express card. I was told I would receive the furniture within a week. on XX/XX/XXXX, I received an email from XXXX XXXX stating, " ORDER ID : XXXX Dear XXXX XXXX, Your order has now been shipped from the manufacturer and is currently en route to our delivery company. Generally this process takes about 1 week. Once the order arrives at the local delivery company, they will inspect the order, and delivery time date will be scheduled. '' However, for two weeks, I had n't received the furniture nor had I heard from XXXX XXXX. I called the company and more phone calls followed. On XX/XX/XXXX I received the following email, " Order Routing ORDER ID : XXXX Dear XXXX XXXX, Good News! Your order is currently being routed for shipment. XXXX, a white glove furniture delivery company, will be contacting you in the coming days to schedule your delivery. We will deliver on the next trip in your area. 



Shipped with : XXXX XXXX ext XXXX ( XXXX ) XXXX will contact you to set up a date and time for the delivery. If you have any shipping related questions, please contact XXXX at XXXX ext XXXX ( XXXX ) ''. I called XXXX and was told the furniture will be shipped soon. After a week, my wife called and XXXX hanged up the phone. I called and was given the same excuse as before. With no good resolution in sight and my confidence in the company dipping low, I cancelled the order on XXXX XXXX and called American Express disputing the charge. American Express noted the dispute but did n't contact me with the merchant 's response and a satisfactory resolution. When I contacted AMEX, I was told the charges had been re-instated. I disputed the {$280.00} due to me. AMEX again did n't contact me. I contacted AMEX again with the same result. I am very frustrated with both the merchant and the credit card company. XXXX was a XXXX trusted store and had AMEX gotten back to me on time, I could have contacted XXXX to resolve the issue. Now, after eight months, I am still chasing to resolve the issue with AMEX doing a shoddy job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 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:
Over the last few months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting validation on multiple occasions for a debt that is listed on my credit reports. I have been asking for evidence that bears my signature that shows that I have a contractual obligation to pay Midland. I have not received anything that I requested and it is still listed on my credit reports from all XXXX of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
In XXXX XXXX, I accepted a Balance Transfer/Cash Advance offer from HSBC for 0 % until XXXX. I understood that this only applied to the balance transfer and that purchases and fees needed to comply with minimum payments and the card interest rate. I expected this to be as other Promotions from other banks make monthly, periodic, or a balloon payment prior to the end of the term and no interest would accrue. Payment was made in XXXX for all purchases and transfer fees in full. As was not using the credit card and did not plan to pay the balance until XXXX XXXX or XXXX XXXX, no payments were made in XXXX, XXXX, nor XXXX. In XXXX I noticed, late fees upon late fees, interest charged on the late fees. I met at the branch to resolve the matter. HSBC reversed the fees and interest but with no notice to me closed the account and reported delinquency to the credit bureaus and changed the interest rate to 30 %. Now then, I am a " Premier '' customer and HSBC is refusing to rescind the negative reporting, refusing to reopen the account, and presumably has put the account out for collections. All of this with no communication to me. Up until XXXX I enjoyed FICO scores in the XXXX 's. Because of HSBC FICO is now XXXX. I have no problem to pay the balance immediately. Payments have been made XXXX, XXXX, XXXX, XXXX, and already XXXX has been paid. I demand the negative reporting be reversed. While it is technically true that payments were not made the explanation is true and valid. There is nothing written in the Promotional offer that states that the balance transfer amount will be calculated as part of the minimum payment due as with purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Never received verification of Validation of debt. Requesting for deletion from credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc
State: VA

Complaint narrative:
I received a phone call at a friends house looking for me and they wanted me to call so I did. They state I have a pay day loan and made two payments, but have a balance. I told them that I have paid it back and they continued to haras me verbly. Then I told them that I have just filed chapter XXXX bankruptcy on XXXX XXXX XXXX and they said not dischargable, breach of contract. So I called my lawyer and was informed all was discharged and all contracts null and voided.Bankruptcy super seeds it was chapter XXXX federal bankruptcy. Some one needs to stop these crooks fell for it once and lost over four hundred dollars also did a search on them they are loacated in XXXX ma shows some ones house. this says fraud all the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
" Midland Credit '' keeps calling several times per day asking for someone who has never been at this number ( it has been my family number for XXXX years ). Even after telling them this and them promising to " update their records '', the calls resume shortly thereafter ( or never stopped in the first place ). Here are some examples : Date Time Ext CO Dial Number Ring Duration Acc code CD XXXX XXXX/XXXX/15 XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt XXXX I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I XXXX gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt XXXX XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX NA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 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:
On XXXX XXXX I sent a debt validation to Midland Credit Management in regards to their entry on my credit report. They received this letter on XXXX XXXX. In my letter I stated that I was not aware of any debt owed to them and to please remove their entry from my credit report. On XXXX XXXX they sent me a letter stating that they understand I 'm disputing the accuracy of their records but after reviewing the account they were unable to determine the nature of my dispute. 
In my letter to them I said I was n't aware of anything owed to them. That 's the nature of the dispute. On their letter to me at the top it has creditor name as Target and balance of XXXX. This is the same name and amount that is on my credit report. They did n't provide me with anything new about how and why I owe the amount. This is a blanket letter they send out to anyone that tries to get the debt Midland says is owed validated. They 've also continued trying to collect on the debt by sending a letter with payment options on XXXX/XXXX/2015 as well as updating my credit report with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
This is the third year I have been kicked off IBR by FedLoan while they 'process ' my re-certification. In the meantime, I have been forced into either forebearance ( adding XXXX in interest/month + ineligibility for PSLF ) OR paying standard repayment ( doubling my monthly payment, which is unaffordable ). I have filed my paperwork on time every year, they have taken 3-6 months to process it. Twice placing me on the incorrect repayment plan - making me ineligible for PSLF, and costing me thousands of dollars while they corrected the plan the second time. FedLoan is also not correctly calculating my eligible payments toward PSLF. I have made on time payments for the last 10 years, while employed full-time at an eligible public employer. The first two years FedLoan had me in the wrong repayment plan ( I was unaware since I requested IBR, and was naive enough to think I was in the plan I had asked for ), so I lost two years of eligibility. I was able to change into the right plan in 2009, and have continued to pay on-time and have not changed jobs. I have refiled paperwork with them every year, confirming my continued employment and eligibility. However, FedLoan continues to show my eligible payments at XXXX - XXXX more to go - after almost 8 years of payments, how is that possible? I know I lost a couple of eligible payments when they put me in foreclosure for a month or two while they fixed the recertification they screwed up, but showing less than two years of eligible payments is insane. There are a lot more issues, but these are the highlights. Right now I am feeling very helpless as I am going into my third month of standard repayment as they 'expedite ' the IBR paperwork that I filed in XX/XX/XXXX. I can not afford to keep doing this, but am not going to take on thousands in accrued interest ( again ) for their inability to do their jobs. Please help. I am happy to provide documentation or any additional information as necessary. I know I am not alone stuck in the FedLoan incompetence trap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management Inc. ( " MCM '' ) never responded to my XXXX XXXX, 2012 letter requesting verification of the underlying XXXX XXXX Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by XXXX XXXX Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been trying to close an HSBC for 8 months. 

I had several auto-pay invoices associated with the account. Unfortunately I did not stop the autopay in time, and was charged exorbitant fines and oversraft fees. I paid them. The bank demanded I pay them in cash. In person. 

Now, 8 months later, I received a call saying that those oversraft were never paid. They are demanding over {$2000.00} from me. And want a receipt for the cash payments I made, claiming I never made them. I do not have the receipts. I thought the matter was settled, and have moved on with my life. I tried to pay with my new bank cards at the time, but was denied as HSBC demanded cash. 

I can not get away from this company. Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 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: KS

Complaint narrative:
I am trying to remove midland funding from all XXXX credit reporting agencies because they have lack of debt validation proving this debt was mine. I hired a law firm to contact them and they still could not provide proper proof but refused to remove from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Company called family members disclosing information about debt and threats of consequences. AMEX should NOT be calling my parents at all at this point! Normally they are only allowed to contact a XXXX party XXXX time and only to obtain current contact information and not to discuss ANY details of the debt and certainly not to collect it from anyone other than the account holder. Calling repeatedly is technically illegal and very much against FTC guidelines according to the FDCPA ( Fair Debt Collection Practices Act. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report.

Company response to consumer: Closed with explanation