vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
They called looking for someone by a name that does not reside here. Caller was advised of this and went on to question if I knew the person. There is no one here by the name that they are looking for and no one has any business ( past, present, future ) with this company. 

The number on the caller ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
midland funding is trying to garnish me and I have been trying to settle this account and they wont call me back. I am sick and cant be going through this. 
They dont want to call me because they dont want to settle the account and just want the payment in full

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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:
I called Midland Funding LLC after I noticed a strange issue on my credit report. called XXXX. The representative refused to submit information to me regarding verification of this so called debt. 

I have not had any credit cards for 8 years, that I am aware of, and tried to explain this to the clown on the other end of the phone at midland funding. He acted stupid, treated me as though I was stupid, stated I do this all the time when I call. However, I have never called them till today. 

The representative responded to me with abusive and demeaning comments all during the conversation, as though, I were lying to him regarding my assessment of the account and request for verification. 

These people at Midland Funding are a disgrace to the debt collection industry. 

He then refused to acknowledge I was stilol on the phone by saying I cant hear you ... .you still there ... .Hello .... 

He knew I was still there he just did not want to deal with my law protected request for information. THIS SI A DIRECT VIOLATION OF THE FDCPA GUIDELINES!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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: VA

Complaint narrative:
I am currently in the process of settling my credit card debt with multiple creditors through XXXX XXXX. American Express has begun to call my friends and family asking to get in contact with me. I realize this is legal, but American Express has called my sister ( who is not a consigner of American Express ) twice and has disclosed that this regarding past due debt. Given this illegal tactic, XXXX recommended I reach out to you to submit a complaint. I am hoping you can help given they 've called more than once to the same person and disclosed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX for long time. I have ordered XXXX additional card to charge for the business expenses so that I can put all the business related expenses onto the card, in XX/XX/2016. I received additional card in mail but did n't activate it. So, I did not use the card at all. There is NO charges made on the additional card. But XXXX XXXX is reporting to Credit Bureaus as I have {$19000.00} balance on it, also as separate account. In my Credit report there are XXXX XXXX accounts listed now ( primary and ad additional card ) each with balance. Due to this error, my debt to credit ratio went up quite a bit that caused my FICO score to come down considerably ( about XXXX points ). I checked my credit report only few days back and realized that XXXX XXXX is reporting erroneous card balance amount. On Behalf of all XXXX XXXX Card holders, I request you, please look into this and take necessary steps to fix the issue. 
Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was contacted by company called XXXX XXXX XXXX back in 2011. I know this was a long time ago but I have been fighting this with their client. Apparently, XXXX was collecting on a debt for Asset Acceptance LLC located at XXXX. XXXX XXXX XXXX, NY XXXX. I believe XXXX, now known as XXXX XXXX XXXX filed to meet their minimum standards to protect customer data or / and prevent identity theft. I have XXXX pages of correspondence an I have contacted the XXXX. No Response. believe someone, opened an account in my name and it was finally taken off the credit reports, but they should have used third party confirmation or other means to safeguard customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Six years ago, I opened an HSBC account for my sister in my name. Initially, things started out well, but as expected, this did not last ; and shemissed payments. As a result, this has reflected poorly on me, and I am left to pay the price. I have since made every effort to fix this account. The account has been transferred to another lender ( XXXX XXXX ), whom I have constantly tried to contact to payoff the account but it has been to no avail. I can not get a response from them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I was in the process of trying to do a short sale on this property at XXXX XXXX XXXX XXXX, Massachusetts XXXX. I was promised {$5500.00} dollars to relocate. This process never took place. I continued to live on the property. Then all of a sudden I got a notification that the property was going up for an auction sale on XXXX XXXX, 2015. I never received a foreclosure from household finance corporation ll/hsbc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
These people just popped up on my XXXX report on XXXX, I do n't know who they are I only had XXXX collections on my report XXXX for a XXXX and XXXX for XXXX, I just got a letter the end of XXXX that the XXXX was not mine and they will be removing this soon, this is a fraudulent collection, XXXX contacted me in XX/XX/XXXX and said my credit had been compromised and offered me free credit monitoring I did not take it at the time because I did n't think I needed it because I had started straightening out my credit, now these people pop up out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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: First Federal Credit Control, Inc.
State: LA

Complaint narrative:
I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. 
I will paste their information. 
Collection Agency : First Federal Credit Control. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. 


Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 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: CA

Complaint narrative:
The debt was paid off, however they are still reporting it as in collections. They say they have no record of payment. I did n't know I never received anything stating it was paid, as I paid it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ). 
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express provides all my private information to another individual which they have used to jeopardize my business relationships and possibly cost me a large contract. 
Twice in the last month, the past time on XXXX XXXX at approx. XXXX. An American Express collections representative called a public business line and provided much of my private information to a co-worker. The last breach which took place by a female representative name, XXXX. She never verified personal information to confirm who she was speaking with. This also happened in an earlier phone call in XXXX, 2016. The American Express representative provided my private Checking account information used to pay this American Express card. They also provided the following. 
- previous payments made -Last several charges - Payments that were returned - locations of many of my charges - Status of my American Express card - Spending habits _ provided my balance of {$27000.00} -provided the amount of time I was late - And MOST DISTURBING : the American Express representative initiated a large payment from My XXXX XXXX XXXX checking account of over {$6000.00} without my consent. 
I strongly urge you to listen to the taped records, particularly the XXXX on XXXX XXXX at approx. XXXX. 
This ex-co-worker informed others of my private issue with American Express which has found its way to current business dealings and cost my hundreds of thousands of dollars. 
I can prove without doubt the individual American Express spoke with on with occasions was not me. Please make sure the tapes are secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Accrued credit card reward points in lieu of purchases were forfeited.

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 2015-09-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. 

Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I went to the dentist to get a XXXX and they said I could do a monthly payment plan for {$1000.00}. As long as I made a monthly payment and paid it off within a year I would get no interest. I sent in a payment by check and they said that they did not get it. I sent it in timely as I work for the postal service. I had the money in my savings account so I did not have to open up this card but because it was free and did not want to use my monmey that was in my savings. But because they kept on adding the late fee charge I just paid it off in full. Mind you, paid it off in full minus the late fee/interest of {$450.00} they charged me. ANd now it is on my credit report for paying something off in full before the due date. I did the right thing by paying this off and paid what I owed ( {$1000.00} ) in the year time frame and I get this on my report that is not valid. I pay my bills on time and did not need this card. and it screwed me over and would never do business with chase ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to dispute an investigation error by American Express in the amount of {$8000.00} on my account. The seller, XXXX XXXX XXXX XXXX XXXX XXXX, charged me for XXXX item and delivered WRONG/DAMAGED item. When my order was delivered to my XXXX, New Jersey home on XXXX XXXX, 2015, XXXX was immediately advised XXXX that the wrong dining room table had been delivered, and that it was damaged as well, appearing to be second-hand. Indeed the delivery receipt indicates that the wrong - and damaged - table was delivered. This is a classic example of bait and switch. 
Despite repeated efforts to resolve this matter, XXXX have not replaced the wrongly delivered dining room table with the XXXX ordered. 
I have made a good faith effort to resolve the dispute with the seller, XXXX. I have diligently worked with American Express Customer Service Department by providing all requested documentation to support my position. However, American Express customer service representatives have managed to mishandle situation 4 times by simply closing the disputes ( Dispute Reference Numbers : XXXX, XXXX, XXXX, XXXX ) based on merchants provided cancellation and return policy. American Express customer service department have ignored valid support documentation confirming that I received a WRONG/DAMAGED item and written notice from XXXX XXXX, the owner of the XXXX, that XXXX made a mistake. 
The merchant 's cancellation and return policy MUST NOT apply to the wrong - and damaged - table that was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER XXXX XXXX is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by Midland Credit Management a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX XXXX not hold me responsible for a debt I did not incur. Thank You.

Company response to consumer: Closed with non-monetary relief