vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 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:
Federal or Private loan : I do n't know because this is a fraudulent loan that I never received. 

I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government. 

This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan. 

I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed. 

There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college. 

This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work. 

However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX has continued to falsely report that I owe them membership dues when in fact the membership was cancelled. On multiple occasions I called XXXX to inform them that I should not be charged any dues per my cancellation. XXXX has failed to identify a confirmed cancelled member and has continued to try and collect false debt from me. This is consumer fraud and XXXX should be reported to the XXXX for their illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My loan was sold to a private collections company called Transworld. They called and threatened my husband with garnishment of his wages if it was not paid. The loan was made before we were married and therefore it is illegal for them to have done so. When they called him back they denied ever having done so though the call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I obtained a lease from XXXX XXXX XXXX on XX/XX/XXXX. I completed all of the paperwork on XX/XX/XXXX but they kept having problems so the lease date was n't started until XX/XX/XXXX. I received orders to go to XXXX in XX/XX/XXXX. I submitted all of the paperwork that they required in order to turn in a vehicle under the Servicemember Civil Relief Act. After submitting the paperwork I was told that I did n't qualify since the date on the orders was XX/XX/XXXX. I called and explained to them that Soldiers do not get orders on the same day that the orders are published and that it can take months to trickle down to the Soldier. XXXX XXXX told me that they would not allow me to turn it in and they gave me two options, either try to finance the vehicle or to leave the car in the states for the three years while we are gone. We have tried to finance the vehicle but there is no one that will finance a vehicle going overseas. We have even thought about leaving the vehicle behind but there is no way that we could afford a {$700.00} car payment, {$250.00} insurance and {$150.00} storage fee. Not to mention there is no way for the vehicle to be started to it would run into a lot of mechanical issues by just sitting and we will not be in the states in three years to return the vehicle. The only way I am able to make this work is to drop it off and have it voluntarily repossessed but that would ruin the security clearance that I have with the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: GA

Complaint narrative:
Midland Credit Management , Inc have consistently harassed me to XXXX paying a debt which I do not owe nor have any responsibilities for. They persistently and aggressively report on my credit profile an account which other credit collection companies in the past, long deemed erroneuos mistake ; and have appropriately deleted off my credit profile and adjusted correctly with the XXXX major credit bureaus in my favour. 

This account they continue to aggressively report on my profile monthly is hindering and encumbering my ability to secure any measurable career. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got a levy from this company XXXX. It is an account that is over XXXX years old. I would like to settle XXXX accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had a savings account with American Express Savings Bank FSB. I requested for an account closure, however there was a remaining balance in the account. I have never received any of my money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is a follow-up to a previous complaint against UASXXXX. They asked you for 45 days to investigate, but they have turned the account over to a collection agency and ruined my daughter 's credit and mine as co-signer. She graduated XXXX, 2015. She has a 6 month grace period. She is not working.She has no income. I have no income. We are destitute. Life really has no meaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I did a balance transfer of {$19000.00} from my XXXX Credit Card Acct. to American Express. On XXXX XXXX, 2015 American Express sent me a letter stating that they were declyning the balance transfer of {$19000.00} from XXXX and returning the money back to XXXX. On XXXX XXXX, 2015, I contacted XXXX to ascertain if they had received the returned check of {$19000.00} from American Express and they stated that they had not received anything back from them. When I contacted American Express to inquire about this matter, American Express stated that the check had been sent back to XXXX and that I had to figure out where it went. American Express was unwilling to help me any further regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was transferring money to a friend using my paypal account. Paypal first uses your paypal balance, and if it is not enough funds, it automatically draws the remainder of funds from a bank account. As I was making the payment, I noticed it was pulling from an old account ( XXXX bank ). I canceled the proposed payment and changed the " default / preferred '' account to the new account ( XXXX bank ), which was already linked to my paypal acount. I received an email saying that from now on, the new account would be used. I then made the payment, and it drew from the old account. I called them and they said I should have waited half an hour ( Even though I received a confirmation email saying it was available instantly ). They would not cancel the payment, even though it takes XXXX3 days to process and the error was on their end. Now I am afraid I will overdraw the old account and be charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
i received a letter from American Express saying " I have been qualified and enrolled in the Select & pay Later feature .... If you do not wan to be enrolled in Select & Pay Later, please contact us ... " If you cancel you will not be able request this program in the future back. 
They list the charges at 18.49 % APR. 
This is was in a letter that could have been easily thrown out. This is not something I asked for. This is a way they can trick customers and force them to pay high interest charges when they sign up for credit card which is designed to have the balance paid off at the end of the month. This is predatory behavior and should be stopped. They need to ask your permission to enroll in the program, not you must call in to cancel something you did not ask to be enrolled in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
I had a car loan and at the end an amount was charged off. Within a month of the chargeoff, the remaining balance was paid in full. This is no longer an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently setup an automatic payment on my American Express credit card to pay the statement balance on the due date. Previously I had been paying this account using the mobile app. With the payment due date approaching I logged in to my mobile app and made a payment for the statement balance. There was no indication that an auto payment was already established and the credit card company accepted my duplicate payment. I was made aware of the duplicate payment when it was debited from my bank account twice on the day after the due date causing my bank account to overdraft. Luckily I was able to cover the overdraft while the payment was still pnding. I called to get the duplicate payment reversed and they said they would have to send me a check in the mail that would arrive in 7-10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI

Complaint narrative:
I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did. 
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I realized XXXX day after a payment was due that I had not paid my card. I went online to pay the balance and noticed that they had already put a late fee and interest on my account. I always pay the balance due. I called them to see if they would waive the fees and they said they would waive the late fee but not the interest. Although I was not really satisfied I realized I made a mistake and accepted that I had to pay the interest. I paid the balance the day after it was due. I then signed up for autopay to pay the future balances so I would not be late again. My following month was paid then when I received another bill there was interested on the bill again. I called for an explanation and they said that since it was late the XXXX time then the interest charge was automatically placed again. I explained that even if they wanted to claim that, the balance I paid was {$570.00} and the interest being charged for XXXX day was {$10.00}. That would come to 54 % interest. She claimed there was a basic interest charge regardless. I also spoke to her Supervisor and she also refused to budge. I told them that if the {$10.00} was not waived I would cancel the card, which I intend to do after I pay the current balance. I still disagree with their practices and told them I was going to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I was a holder of Amex Premier Rewards card account since XXXX 2015, and in the past 4 months I had over {$6000.00} transactions in total ; I paid all of my payment well ahead of due date and never violated the terms by Amex. Everything was good until one day around XX/XX/XXXX, Amex called me and freezes my account requesting bank notary to prove my identity asap ; I offered to provide documents like passport scans, etc that could achieve the same goal as I have no idea what 's the notary and how to get it, but Amex insisted on it. I then went to all local banks but they refused to provide it for me and the branch managers also feel confused about Amex 's request. I did re-login my account to make sure the account was good on last Saturday, however when I was just about to call Amex to see if there is any other option they closed my account and voided all my XXXX rewards points ( worth {$320.00} at least ) ; there is also ongoing unresolved transaction dispute on my account while it 's cancelled. I was never notified by email or call, which I also later confirmed with Amex agents on phone. I instantly called back that day and the XXXX agent ( # XXXX she left me over phone ) also found it confusing, and guaranteed me that I will have my rewards point safe ( she said she can still see them on my account ) while she requests further investigations. She also said the back end says I requested to cancel my account but I really did n't ; I said phone record and website login history are proofs. Two days passed I still did n't hear back from Amex, so I decided to call back and the XXXX agents answered my phone ( I called XXXX ) are rude and impatient this time ; XXXX of them insisted that I requested to cancel it from what they can see, and once I requested them to provide evidence they refused. XXXX kept blocking me, and the other put me on hold and XXXX later hang on my call. All they repeated are my points are voided and they can do nothing to re-instate my account. Then I called the executive service line, this time the agent is patient at beginning, then after she checked my account for XXXX minutes, she said Amex did cancel my account for violating terms, but once I challenge it and ask for exact reasons, she refused to provide it and started to blocking me like previous agents ; she insisted there is no possibility to reinstate either the card or my reward points despite she ca n't provide any reason. I am really disappointed with Amex and right now the process could also hurt my credit history ; since Amex refused to solve my case, I want a solution from here to protect my rights to reinstate my reward points and get compensated for the time invested to solve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XXXX, 2015 I applied for an American Express credit card. The offer included a {$300.00} statement credit if I charged {$1000.00} on the card within the first three months. I charged over {$1000.00} and am still waiting for my credit. I call every month and get " We 're looking into it ''. " We 've open an investigation ''. " Please give us six more weeks to look into this matter. '' I called today and was told that no investigation was started but they would be happy to start one. They refuse to issue the credit card credit as indicated in the letter attached to my application. RSVP Code for the credit : XXXX. I tried to close this card today but was told that no credit would be applied if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express has charged me {$180.00} for one day of allegedly being late on my payment and a {$27.00} late fee. I was not late on the payment. The payment was postmarked XX/XX/2017 the due date is XX/XX/XXXX, they say they received it on XX/XX/XXXX. This is nothing but pure greed. I have spent tens of thousands of dollars with American Express and pay my bill in full every month and never have been late. What a way to treat a good customer. Oh, and do n't send me their policies and interest rate dirty math, got all that from their drone reps who can only recite what they are spoon feed. This needs to be looked at by someone who understands customer service that can actually do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am in bankruptcy as of XX/XX/2015. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Another issue here is that we 've been monitoring our credit through XXXX and these lates never showed up. This lates are from XX/XX/XXXX and XX/XX/2015. We found them because of a hard credit inquiry on me personally for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Despite many ( XXXX-XXXX ) telephone communications with billing dept trying to resolve a billing issue, XXXX XXXX ( 1 ) kept no record of their communications between me and multiple account representatives and ( 2 ) turned an inaccurate " balance '' over to a collection agency after telling me to wait for an updated account statement by mail while a medical discount program card was being processed. 

( Additional info : I chose the " debt was paid '' option from the dropdown menu because it most closely matches my situation. The medical assistance provider/drug manufacturer assistance program was in the process of approving my coverage when this debt was applied. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I defaulted on my private student loans. Back in XXXX, when I had obtained a stable job, I set up a payment plan and have been making consistent monthly payment ever since in what they told me was a rehabilitation program. However one day XXXX XXXX XXXX XXXX they stopped taking my payments then called threatening me and telling me to pay the full amount or they 'll garnish my wages. I 've made several attempts to make payment arrangements but they only want me to settle. I would like to settle, but I do n't have access to that large amount of money. They badger me daily. I 'm terrified and tired. Please help. I 'm really trying.

Company response to consumer: Closed with explanation