vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
Filled out an online application with a company called NORTHERN PLAINS FUNDING, I was then sent a series of pre-approval emails ( XXXX ). Opened the emails to find " YOU ARE APPROVED-sign your loan documents for money to be deposited next day ''. I did not sign them right away as I wanted to wait and see if I could cover my bills without having to take out the loan. 2 days later I signed the paperwork electronically and submitted. The following day I get a call from the North Plains Lending saying that they need to do a verification process with me regarding my employment, banking, etc. I asked why they had me sign loan documents before doing this and she said this is our process ... .this is not a good process as they have asked me to sign documents saying I agree to all their crazy terms and to doing business based on a reservation, etc. and then they do n't even have you approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding has been on my file since 2013. I asked several times to show proof of the debt and the company keeps sending me a bill. The problem is Midland Credit debt has been removed off my credit twice, which last week it was removed again now they have placed it back on my credit. The origin creditor which is XXXX is also reporting at the same time for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
As a XXXX AMEX customer, I was to be transferred to the XXXX XXXX Visa Card by AMEX. I was informed to sign up for a new AMEX card as my existing one would be transferred. They did a credit check and I was approved. However before the transition, AMEX changed my AMEX XXXX to a XXXX XXXX XXXX and never transferred by account. I now have XXXX AMEX Blue Cash cards ( XXXX with my old AMEX number and the new XXXX they signed me up for ). XXXX tells me that AMEX never transferred the account and AMEX customer service has confirmed this. 

I need AMEX to transfer XXXX of those XXXX AMEX cards over to XXXX AS THEY WERE SUPPOSED TO. I do NOT want to apply for the XXXX card as it is a XXXX credit check when XXXX credit checks were promised in a smooth transition. 

AMEX staff say they are aware of the problem but I do not have a resolution. AMEX is guilty of the following : - Convincing me to sign up for a new Blue Cash Card on the basis my existing XXXX AMEX card was to be transferred to XXXX - Doing a needless credit check for a credit card I did not need ( the XXXX AMEX ) - Converting my AMEX XXXX into a AMEX Blue Cash prior to the transition WITHOUT MY KNOWLEDGE OR APPROVAL - Failing to transfer my XXXX credit card account over to XXXX. 
- Failing to communicate with me with a resolution after I have filed a complaint with them ( # XXXX ). 

What I want is simple : - AMEX to contact XXXX and transfer my credit account to a XXXX XXXX Card WITHOUT ANOTHER CREDIT CHECK or a re-application. 
- An explanation as to why my complaint to AMEX was not addressed and I was forced to file this one at CFPB. 

I have contacted : - XXXX XXXX ( MGR Membership Consulting Services ) -Shyra XXXX ( Customer Service ) - XXXX ID # XXXX ( Customer Services )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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: AZ

Complaint narrative:
Midland Credit Management is claiming a debt belongs to me that I believe was falsely opened in my name or they are collecting from the wrong person. I have sent multiple letters and now I am sending via certified mail requesting proof that it is my signature on the original contract, and they have yet to provide it and still report it on my credit. I have even offered a settlement simply to remove it from my credit in an effort to just put it behind me even though I do not believe the debt is actually mine, and they will not respond to any attempts. They keep threatening lawsuits but I continue to stand my ground and request, over and over, proof that there even was an original contract for the debt that they bought. They give me no information other than n alleged billing statement from an original creditor, sill without my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2016 I received an AmEx mailing offering an AmEx Premier Rewards card with a XXXX point bonus after $ XXXX spend. I was uncertain if I have ever had this card before so I called AmEx to confirm that I was eligible. After speaking to XXXX different people it was determined that I was in fact eligible for the bonus. I was informed today that the bonus was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My credit card was used fraudulently twice within the past XXXX months. And my debit card was used fraudulently just the other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I sold my house in XXXX on XX/XX/2015. My former mortgage holder, HSBC, supplied a payoff letter to the title company which was good through XXXX. A check was sent from closing to, and cashed by, HSBC within the prescribed time. The amount was as they had requested in their payoff letter, and they released their lien on the house. XXXX XXXX XXXX XXXX months later, HSBC sent me a bill for the amount, and started calling me XXXX times a day saying I owed them {$3200.00} more. I sent the bill to the title company, and the XXXX XXXX said that HSBC was wrong and that she would take care of it. A few days later, she said she had spent hours on the phone with them, but got absolutely nowhere. She said they do n't even show that we sold the house. They show that I made a big payment in XX/XX/2015, but that 's it. 

At this point, a year and a half after the sale, I still get harassed by numerous daily calls. HSBC has no lien on the property, which is good, but they do n't seem to understand that fact. I just received a copy of a homeowners insurance policy which they purchased in my name for the property as well. I have spent hours on the phone with them myself, but ca n't get a single person to even acknowledge that the property was transferred to another owner. Everyone I talk to at HSBC says, if effect, " there, there, if you are having trouble paying your mortgage, there are programs that can help ..., etc. '' I can never actually get to a discussion of their error because they simply read off canned responses. It is completely pointless. I just wish they would sue me so that I can counterclaim and actually fight this.

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

Complaint narrative:
I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Fraudulent charges were identified and submitted on American Express PAID statements from XX/XX/XXXX-XX/XX/XXXX. Fraudulent charges were removed ( {$3300.00} ) and the remainder of the PAID charges were re-billed to my account ( {$5200.00} ). There are an additional {$43000.00} of fraudulent charges to submit from XX/XX/XXXX-XX/XX/XXXX. I have disputed and have been harassed by American Express collections. I have discussed the matter with multiple representatives and the fraud department. I explain the details over and over again. I can not resolve. I have requested a single point of contact to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I 've had a Serve One VIP prepaid card issued by American Express for several months. It was an attractive card due to its low fees and ability to safely load cash at many locations outside traditional banking hours, as well as the ability to transfer that money to my other out-of-state bank accounts with pre-existing debited bills. 

However, I received notice on XXXX XXXX that my account was being being shut down and could no longer load my money. There was no notice, no explanation given, and no recourse offered whatsoever. I attempted to contact Serve for further information and was denied any assistance with regards to the sudden actions taken against my account. 

Upon my own research I came to understand that Serve has taken similar actions against many other account holders for perceived violations of terms & conditions regarding loading prepaid gift cards to their Serve accounts. On XXXX XXXX I initiated XXXX money load transaction from my debit card ( NOT a gift card ) for {$200.00} in order to have funds available in another account for an upcoming bill that was due via auto pay. It seems quite clear now that Serve has taken adverse action against me for using their product feature that is readily accessed and available on their website. If they did n't want this feature used by their consumers, then it amazes me they still offer it in the first place. 

Again, there was no notice given and no ability to rectify the situation. I find this highly frustrating and excessive on behalf of Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sullivan Asset Management, LLC
State: TN

Complaint narrative:
On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I bought a food processor with my XXXX American Express card in XX/XX/2015. I immediately paid the amount off and have made no further purchases. However they have put this item on a credit plan instalment and are charging interest each month. I rang and said this was ridiculous and I want to cancel my card which I was told was done. Then I get a statement saying I owe money for the interest payments. I rang them and said I have cancelled this card and never agreed to this payment plan and the item was paid off 2 years ago but was told this time I owed money ( although the top of the page says I am in credit ). I said fine send an account for this outstanding amount. Instead they have sent another statement with again interest being owed on an item paid for 2 years ago on a credit plan I never agreed to. I am wondering how long I am going to be charged for nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I live in XXXX XXXX over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX XXXX. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX XXXX and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX XXXX, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by Midland Funding. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( XXXX ending XXXX ) and ( XXXX XXXX ending XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received XXXX letters claiming I medical debt from XXXX. I called XXXX and asked if my account was current. They claimed I owed no money and that they did not use Transworld Systems Inc as a debt collection agency. I called Transworld System Inc and they said for Hippa reasons they would not verify my debt until I gave them my birthdate and also wanted my social security number. I told them I would not discuss the debt further or give them any personal information until they could verify the debt. They refused citing hippa.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A debt collector, Portfolio Recovery Associates LLC ( PRA ), has been attempting to collect a debt arising from a debt I allegedly owe XXXX XXXX from about the year XX/XX/XXXX. 

Prior to XX/XX/XXXX, PRA had made numerous phone calls to my home phone. Most calls went to my voicemail ( often no message was left ). 

On XXXX, PRA called me again, this time I answered. After the caller identified himself and the alleged debt he wanted to collect, I informed him that I was NOT willing to make payment on XXXX XXXX 's behalf, and to STOP calling me about this matter. 

On XXXX XXXX, I wrote PRA a letter stating that any further collection attempts would not elicit any payment from me, and directing PRA to stop communicating with me about this matter, regardless of the form of communication. I sent the letter Certified Mail, and verified with the XXXX Postal Service that PRA received the letter on XXXX XXXX. 

On XXXX XXXX, I received via XXXX a communication dated XXXX XXXX from PRA again attempting to collect on behalf of XXXX XXXX. Please note this is AFTER PRA received my letter on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FC HoldCo LLC
State: GA

Complaint narrative:
this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact Portfolio. I have been pushed around between Portfolio and the law firm that represents Portfolio. I am unable to obtain credit due to this breakdown in Portfolio 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I purchased XXXX Toyota Truck on XX/XX/XXXX. i finance my vehicle from Toyota Financial services. my regular monthly payment $ {$620.00}. I was paying my monthly payment regularly. I do have documents. I made a future payment with Toyota financial on XX/XX/XXXX. Toyota financial took XX/XX/XXXX payment and future payments until XX/XX/XXXX. They withdraw {$2500.00}. After they withdrew this amount i called customer service. they did not return excess amount of payment. They said they send check to me which they did not. After calling and discuss with my account they send me amount of {$620.00}. i deposit this check and this check returned. My bank charged to my account {$35.00} return deposit fee. Also I got called from Toyota financial service customer service, get humiliated by them. They told me that they will repossess my vehicle. I could not resolve my issues or get any help from them. I asked them please send me ledger of account and checks that they send me. they said they can not provide proof of check they send me. Additional of everything they made my credit rating low. This is a very bad practice. Their system shows wrong amount of mature date payments. For example ; your loan payment due date of XXXX of every month. if you made a payment on XXXX which next day of original payment date ; they will collect from your account future payment ( which not is not due ) together with current month payment without your knowledge. If you have any questions or proof of payment please do not hesitate to contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit rep I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit report around XX/XX/XXXX. I tried to contact the Company to get additional information. They were not able to supply me with anything. I told them I was on a XXXX, the information showed up on my credit report without warning. I was not given the allotted time to resolve the issue prior to having it showed up on my credit report as I was on a XXXX.

Company response to consumer: Closed with explanation