vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. 
This charge of {$400.00} is invalid. 
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. 
However, unfortunately ... ... .. 
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. 
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. 
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
The original debt was to hsbc I settled the debt on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a letter from them that debt is paid in full acct # XXXX and have spoken with them and they say they own the debt I settled I have had several phone call from several debt collectors about this same debt but recently I received a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the same debt I gave them a call and told them that I had already paid debt and sent proof and I did get a letter from them dated XX/XX/XXXX that my dispute has been acknowledge and then I got an elert on my credit report that a company had put a collection on my account for the same debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think we have no protection from debt collectors the XXXX company XXXX at least sent me a letter telling me about the debt but the other company XXXX XXXX XXXX I never received a letter from them the credit bureau just let them do what they want to do as long as they pay for their service as far as the company I paid the debt I think they are responsible for not reporting properly or selling the debt after it was paid I really need some help I have paid all my debt odd but this one wo n't go away so do what the government suppose to do and protect it citizens thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently applied for and was approved for the American Express XXXX card. Shortly after my XXXX purchase, my card was declined to a fraud alert. American Express refused to resolve the issue over the phone and required me to obtain a notarized document from a bank and fax this to them. They deemed that it was not acceptable to have the document notarized by a non-bank entity, and it was also not acceptable to submit the documentation via another form of communication ( postal mail, e-mail, etc ). They refused to refund me for the expenses I incurred to comply with their request. They also refused to refund a portion of the annual fee as I requested due to the fact that I was unable to fully use the card for a significant amount of time ( over one month ). It was not disclosed in the marketing materials that I reviewed when applying for the card that I would need to incur these expenses to keep the card active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX I never had an account with them XXXX XXXX I reported my card lost and to close the account and they did n't and that I do n't know what Transworld system is and it was open XX/XX/2012 I have no idea on what all this is on my credit the only thing that should be on my credit is really nothing everything 's up to date except I 'm behind on one of my credit cards to my credit cards but those are getting paid next month and that 's XXXX and XXXX XXXX those XXXX credit cards are getting paid next month but other than that I should n't have anything else on my credit somebody is using my credit out there and it 's going on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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 applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express customer for nearly 7 years now and have gotten caught up in a loophole where I 'm not receiving any resolution to my concern. I have had my American Express charge card and have faithfully made my payments every month ( there was 1 month where my account was late but I quickly brought it current ). Somewhere along the line, American Express applied a pre-set spending limit on my account of {$1500.00}. Yes, this is a charge card, so immediately I asked why they would apply a pre-set spending limit? Well I received a completely XXXX political answer but I let it fly. 
Flash forward to today when I called and spoke to 9 different representatives and various departments. I finally got to XXXX, Employee # XXXX, who informed me that he can only see up to 12 months or pre-set spending limit history ( this situation is much older than that ). XXXX put me on hold to speak to several departments and came back to advise that ; 1. He can not determine the original reason why the pre-set spending limit was placed. 
2. He does not know how long the pre-set has been on my account ( only that it 's been over 12 months ). 
3. There is no way for him to remove it. 
4. That I have to wait for periodic account reviews to get the limit removed. 
Although he was polite as he could be about it, I find these answers to be extremely appalling. How can American Express apply such a predatory lending practice to a loyal customer like this and not even know why they 're doing it? I am asking that American Express immediately remove this restriction off my account or clearly outline why it is there to begin with. I will raise this matter to each and every regulatory body I have to until answers are provided or American Express reverses the decision. And at the very least, arm your employees with answers so that we do n't have to resort to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened an account with Citibank in XXXX. Then I moved to XXXX. I fully updated all my personal information and legal status throughout the process. 

Then, out of the blue, they decide to freeze my account! 
I did not receive any warning email. They did not send me any post to warn me of the freezing. I had money in the account and no cash in hand. And worst of all, they did this on a Friday, which means I had to wait until the following Tuesday until the customer service officer responsible for the freezing to come back to work. I had to spend 4 days without any cash in hand or withdrawal. I had to go to the currency exchange in order to buy my food! 

The employees at the XXXX branch in XXXX did their absolute best to help me out and resolve my case. I watched them call the customer service guys in front of me multiple times. No matter what they did or who they spoke to, the headquarters gave no satisfactory answer other than " Have him come back next Tuesday ''. 

When I came back on Tuesday, the only thing the bank could do for me to get my money back is to CLOSE THE ACCOUNT. That 's because the headquarters were unable to legally process my case. 

The bank employees advised me to take my money to another bank, because the headquarters were " too slow '' in processing my case. I could have spent another 2 weeks with a frozen account while they took their sweet time. 

As of the time in which this problem occurred, I was ( and still am ) an XXXX from XXXX. That was my legal status in the USA. It was valid and supported by my lawyer. But the Citibank people had no experience dealing with my XXXX applicant status, and they did not communicate effectively why this problem happened. If they had told me about the problem EARLY ( at least through email! ), I would have talked to them and worked with them to fix it, not spending 4 days with no cash in hand.

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 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX of FMS Financial Solutions ( XXXX XXXX XXXX. XXXX XXXX, XXXX, MD XXXX, XXXX ) regarding a supposed early lease termination fee from XX/XX/XXXX. I can provide the details of my dispute if you need, but when I called XXXX XXXX he started yelling at me in a most belligerent manner, and threatened a lawsuit. His conduct was most unprofessional and overly aggressive. He was trying to collect for XXXX, ( XXXX XXXX XXXX XXXX. XXXX, MD XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Service and XXXX XXXX XXXX are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. SPS and XXXX has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. SPS and XXXX was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. XXXX has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ 350XXXX. XXXX attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. XXXX and SPS poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws XXXX and SPS continues to violate is of significance. XXXX appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, XXXX acts as if it above federal law while engaging in interstate commerce for illegal purposes. XXXX and SPS was Ordered to pay actual damages in the amount of XXXX Dollars pursuant to 1692XXXX XXXX. This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. XXXX and SPS must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. XXXX and SPS must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We have an existing mortgage with Nationstar Mortgate, loan number XXXX. We have good credit, never late on a payment or filed bankruptcy, steady jobs and near $ XXXX in equity on our home. 

We have been attempting a refinance since XX/XX/XXXX. Initially, we were approved but when it came time to sign, they changed the terms of the loan on us. We were working with another lender, too ( a broker friend, unfortunately ) who said he could meet their original terms of the loan. We decided to go with him. It turned out to be a mistake so we went back to Nationstar, hoping it would be easy to resume the loan. 

It has been a disaster. With no competition anymore, it has felt like Nationstar has no intention of giving us the lower interest rate they quoted us ( 3.99 ). There have been XXXX different loan officers on this loan. It appears that, instead of extending the lock ( which costs them ), they avoid it by originating a brand new loan and assigning a new loan officer. With that comes the deluge of NEW requests for documentation they have already received. And no one will ever call us back or answer simple questions : Is this a new loan? Has the interest rate changed? Are the closing costs still waived? We will supply all their demands and then they change loan processors again. The most recent loan agent is now in Connecticut and has asked for the FULL copy ( via email ) of our living will and trust. It is about XXXX pages long. I can not get it through my server. So, we set up a very organized, shared XXXX file where she can easily find and download all documents she needs. She has never accepted the link or even replied to my email suggesting it. 

Honestly, they are not operating in good faith. They have NO intention of lowering the rate on our mortgage. It has been XXXX months and we are still in the very first stages of refinancing. This is the most egregious experience with customer service I have ever been through. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I applied for a HAMP modification with XXXX in XX/XX/2016. They asked me for additional documents and we went back and forth until XX/XX/2016, at which point, they stated that my application was completed and they will review it within 30 days. Approximately 2 days later, I received notice that XXXX transferred my mortgage to Select Portfolio Financing. They assured me that my HAMP application will be reviewed by the new services. SPS received the application and began asking me for new documents. Each document took a week to process. They only asked for a document at a time, which took weeks. By XX/XX/XXXX, I began worrying that I might miss the HAMP deadline ( XXXX ). I called SPS repeatedly and was reassured by their representatives and a supervisor that since I turned in the actual HAMP application in XX/XX/XXXX, I will still be eligible for consideration. During this time, my tax extension that I sent in with my original remodification application expired ( as they usually expire in XX/XX/XXXX ) and SPS asked me to turn in my XXXX forms ( this was on approx XX/XX/XXXX ). This was the last document they needed. I turned that in in the XX/XX/XXXX, which was the soonest I could do so. 
Today, I received notice that SPS has approved me for an in-house modification, but not for HAMP. The reason stated by their service rep, was because I 'missed the HAMP deadline '. I find this utterly ridiculous after being constantly reassured that I will be considered for HAMP and after having applied for it in XX/XX/XXXX. I 've done everything I could do to comply with XXXX and SPS 's documents requests. I 've invested so much time in calling them, faxing them and uploading documents. I took a proactive approach and checked in with them every few day ... only to be told that I missed the deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NY

Complaint narrative:
This agency NCO FINANCIAL SYSTEMS is misrepresenting their company name, address and phone number.. when you call the XXXX number it really belongs to the XXXX. They are harrassing me with these different collection agencies because they can not collect on a debt that is not mine and was a result of Identity Theft which I am a victim of. XXXXXXXX was notified in XXXX 2015 that this account was a result of Identity Theft.They received all the necessary proofs via certified mail. In XXXX XXXX, 2015 I received a letter from a collection agency stating that this account was placed for collection and i must pay. On XXXX XXXX, 2015 I sent them via certified mail all necessary paperwork, theft report from FTC etc.they apparently turned around an sold the debt again to this NCO financial system because now on XXXX XXXX, 2015 I received yet again another collection letter from NCO indicating that I owe this debt. When I called the XXXX number that is on the letter, the representative " XXXX '' states that the company name is XXXX XXXX XXXX XXXX XXXX XXXX . How can this be if the letter has the address and name of NCO Financial Sysytems. Misrepresentation? And XXXX /XXXX was already sent the necessary legal paperwork indicating that this account has been a result of identity theft. Why are they still trying to collect on this debt? Another thing they also sent me the paperwork that was involved with the application process at the time of the theft occurance. The signature is not mine. I filled all necessary forms with ftc and police dept and have provided them with my notarized signature and they still try to collect. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.

Company response to consumer: Closed with explanation