vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A credit inquiry was mistakenly placed under my credit report. I have tried contacting the collection agency, Transword Systems, to get this item resolved, however they are not very helpful. What they do is start transferring me from XXXX department to another, and sometimes out right refuse to help me. My credit has taken a very large plunge ( it has gone from mid XXXX to mid XXXX ). Every attempt I have taken to tried and get this resolve always results in me being transfer, and no one actually helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
In XXXX XXXX, I was involved in a collision while operating a rental car from XXXX. I purchased a liability waiver for the car, but failed to get third party/total collision insurance. XXXX cars were considered a total loss. 

On the scene, I was issued a ticket, went to court a few weeks later, and paid the fine. The other party involved was not present at court. 

In XXXX XXXX, I received a letter from XXXX damage recovery unit stating that I was not liable for the damages incurred to the vehicle I was driving. 

In XXXX XXXX, I receive a collections notice from XXXX XXXX XXXX in an attempt to collect {$25000.00}. When I inquired about the charge I was informed that the other individual in the accident settled with XXXX, and because I did not purchase the total liability waiver, XXXX did not have to engage me in conversation regarding negotiating the settlement amount. They also stated that the only breakdown they needed to provide me was that the individual was paid {$2500.00} for his XXXX XXXX XXXX and {$23000.00} in personal injuries. 

I could have hired a lawyer to represent me and negotiate the claim. 

When I asked why the notice went straight to collections, XXXX stated they sent me a letter and because I failed to respond within 30 days they sent it to collections. When I asked if they had proof of delivery or proof that the letter was mailed out, they said they did not need to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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:
Midland Credit Management , Inc. keeps sending me debt collection notices for a XXXX card that has been paid off and when I tried to tall to one of their collection managers they keep insisting the debt is valid and it is not. The account was paid off in full to XXXX 's and I have a copy of the cancelled check. It is also showing up as a derogatory remark on my credit report and they wo n't correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA
State: TX

Complaint narrative:
I was approved for a forebearance through XXXX/XXXX/2016. However, Mohela is reporting past due for XXXX. I 've already contacted them about without a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 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: CA

Complaint narrative:
THis is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HFC ( household Finance Corporation ) fraudulently altered loan amounts and property description from originally agreed on terms. They foreclosed and proceeded to evict without repairing the fraudulent numbers. I committed the contract to rescission in 2007, when HFC refused to address any of the issues. Since then, they have continued to force us to abandon the property ( illegally, because there are XXXX other property owners on the fraudulently sought after acreage ) by threats, foreclosure, false trustee sales, and writs for eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: NV

Complaint narrative:
Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt was a XXXX bill that was paid when I transferred service to my current phone provider. I advised Midland Funding to verify this but got no response. I also have been harrassed about this debt outside of FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The credit card had additional cost for insurance in case of illness or accidents. I was diagnosed with XXXX XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.

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 2016-06-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: GA

Complaint narrative:
I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.

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 2015-06-28 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 Funding keeps contacting me by phone constantly and mail after being told not too clearly breaking credit collection laws. Also the balances the are collection are illegally inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a {$59.00} rebate card from XXXX on XX/XX/XXXX. It is a prepaid American Express Rewards Card. On the card agreement, it said " a {$2.00} monthly fee will be accessed against the card balance 5 months after Card Issuance ''. In order to avoid the service fee, I tried to use the card today ( XX/XX/XXXX, a week before XX/XX/XXXX ) for a {$59.00} online transaction and the transaction was declined. After talking to American Express card service, I was told a {$2.00} fee was deducted from the account on XX/XX/XXXX because the card issuance date was XX/XX/XXXX. Also American Express refused to refund the {$2.00} fee. 

I feel this is a deceptive practice because American Express Card intentionally do not print the card issuance date on the card or in the letter with the card and then they can charge a fee early than what a consumer thought. The American Express prepaid card customer service refused to refund the customer even they admitted the fee was charged early because the card issuance date was early and they did not inform customers about the issuance date of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
My minimum payment of {$80.00} was due to American Express on XXXX/XXXX/15. I made the payment early on XXXX/XXXX/15 in the amount of {$3000.00}. I had already made my XXXX payment on XXXX/XXXX/15 in the amount of {$100.00}. They applied BOTH payments to the XXXX payment even though the XXXX/XXXX/15 payment was after the due date and then considered the XXXX/XXXX/15 late. I contacted them when I received notification of a late payment and a late fee of {$27.00}. I explained to them the {$3000.00} payment was the XXXX payment and they needed to apply it correctly and remove the late fee. They told me the system would n't let them move the payment to XXXX nor would it let them remove the late fee. I spoke with XXXX different levels of customer service as I was completely stunned that they could not do this. They said they understood but just could n't do it. They also advised me I would get an increase in my XXXX due to this late payment. I received that letter in the mail telling me I had a mandatory rate increase due to late payment. I also was told I had to pay {$150.00} and the late fee by XXXX/XXXX/15. I stated I was concerned about them reporting delinquency to the credit bureau when this was all their system 's inability to move a transaction from XXXX month to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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:
I received a letter from a company saying that I own money on a credit card that was never mine -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 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: NJ

Complaint narrative:
Account Number : XXXX Mohela/Department of Education, I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XX/XX/2014, 120 past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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