vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have filed previous complaints here on this issue, and I amrequesting these be taken seriously. This is not a repeatcomplaint, but an effort to show cone Consumer ProtectionFinance board how companies, and this company does notcomply or care about complying with the various consumerprotection laws, nor does it even take complaints made hereseriously as they continue business as usual. All I have beentrying to do is get a line by line reconciliation of this account, and all American Express does is state it is correct, and weare wring, in spite of the fact we have sent them actual spreadsheets to prove we are correct and they are wrong, We havebeen trying to get this resolved since XXXX, 2013, AND allthat happens is every sixty days, our dispute is removed andwe must reinstate it. And now it is happening every thirty days and we are threatened with bad credit reporting, told we arein breach of contract and the issues are never addressed at all, except to say they are right and we are wrong ; and therefore, the issues are resolved, which they are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I had a debt with XXXX and when I could n't pay they sold it to a company called Midland Credit who then sued me when I did n't pay them, so I have been paying them for about 7 months now and I just found out they are a scam, so I have been throwing my money away, which I really want back and have asked them and the XXXX several times, but ca n't get anywhere. The paperwork that I have for them says they can sue me again if I do n't pay them and garnish me, so I am scared, but I am sickened that I am paying a fake company and in the end this debt will still be on my credit. Is there anything that I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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: IL

Complaint narrative:
The law firm, XXXX, XXXX, XXXX XXXX XXXX XXXX obtained a judgment against me on behalf of MRC Receivables Corp in the amount of {$2400.00} in XX/XX/XXXX and made no attempt to collect for 7 years so that interest could accrue on the debt at 9 %. In XX/XX/XXXX the judge awarded them the interest and the judgment became {$4200.00}. My employer deducted bi-weekly from my wages until it was paid in full in XX/XX/XXXX They never filed a satisfaction of judgment. 7 months later, they contacted my employer claiming that because they never told them to stop sending payments, I now owe interest. Coming again with the interest makes me sure that everything they have done in connection with this case has been a deliberate attempt to inflate the original debt. There are several complaints against this company and this law firm and it is time that someone stand up and stop their deplorable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I believe in the State of Delaware Sunday collection calls are prohibited on Sunday 's. I received a call this morning at XXXX which according to your website is legal to call after XXXX although it is Sunday morning and I was having breakfast with my family and when I answered they hung up. I googled the number and it was Midland Credit they called from XXXX. Not sure who or why they were calling but it is Sunday morning have some respect for consumers and their families.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: FL

Complaint narrative:
Midland funding was XXXX company to buy bad debt, there legal agreement purchase was signed on XX/XX/XXXX13.There paper has many dates on it looks like a roto copy but no signature until XXXX/XXXX/13 Midland turned me into the credit bureau on XXXX/XXXX/13. They did not wait to send me a notice or to verify the account was mine. They also filed a judgement against me and I was never notify they where going to sue me until i was served

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS XXXX. This starts the cascade of accounting errors. 
On XXXX XXXX, XXXX they notified us that our home loan was sold to XXXX XXXX XXXX Participation Fund XXXX. XXXX XXXX Loans would begin servicing our mortgage effective XXXX/XXXX/XXXX. 
They sent letters dated XXXX XXXX, XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail. 
They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection. 
HSBC/Beneficial sold our loan to XXXX XXXX as a distressed mortgage. This was not the case as we were up to date and even ahead in payments. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX, XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: WY

Complaint narrative:
I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is Midland Funding LLC on two debts, one from " XXXX ''. and XXXX from " XXXX '' on both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I ( XXXX XXXX XXXX ) tried to close my Delta Gold American Express b/c of the annual fee of {$95.00}. I stopped using the card. I called nearly half a dozen times to request closure. Amexp kept giving me the run around, trying to keep my acct open. Finally a male supervisor in XXXX said he would reverse the {$95.00} and call me to follow up within 72 hours. That was XX/XX/XXXX or XX/XX/XXXX. Never happened. 

I called again on XX/XX/XXXX, and spoke to XXXX. XXXX opened an XXXX complaint to Corporate to remove annual fee. XXXX # XXXX. This is what she told me she wrote : XXXX basic card member called on XX/XX/XXXX to cancel her card product. XXXX was outside 30d window. supervisor based in XXXX would remove annual fee and call in 72hr to confirm No call was placed and annual fee was not removed. Due to that effect it caused a late fee and finance fee. XXXX paid balance in full minus the {$95.00} based on what the supervisor told her. 

It is now XX/XX/XXXX, and Amex seems to have turned my card to collections. 

My husband XXXX XXXX is going through the exact same thing!! We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed. Moreover, we stopped using the account months before the fee was assessed. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX. 
Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX. 
So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument. 
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress. 
I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter. 
I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I signed up for the XXXX XXXX Platinum Card with a signup bonus of XXXX Membership Reward points after spending {$3000.00} before the first three months of card membership. I met the minimum spend and I was rewarded the XXXX points to my account. I wanted to use the points for an upcoming flight so I tried to transfer the points to an airline. I received this message while trying to transfer the points : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I thought to myself - okay, that is understandable, it should n't take more than a couple weeks to do the review and release my points. Well, it has been over 5 weeks and I still can not make a transfer or use any of the points. Meanwhile, I had to pay out of pocket for an upcoming flight that I was planning on using the points for. I have complied with all of their terms and conditions. I paid off the {$450.00} annual fee. I have spent much more than the minimum {$3000.00}. I have had a long history with XXXX XXXX and have never done anything to hurt it. I am perfectly okay with XXXX XXXX doing a review on my spending, however, they have given me absolutely no communication, either by phone or email, about this so called review. They will not give me any specific timeline as to when they will finish the review and release my points. That is not only bad business, but unethical and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
when my renewal for my membership fee from american express was up, i called and cancelled my card. i have a letter from them acknowledging my cancellation .they continually charge my card that membership fee and charge me late fees.they know say i owe them about XXXX dollars all from a membership fee and late charges. i told them i dispute the charges and told them to send it to a collection agency so i can bring it to arbitration .they do nothing but continual to charge me late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16 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: PA

Complaint narrative:
I am a victim of XXXX in the way of financial, XXXX abuse. 

My ex husband opened this account in my name for a computer because if I remember correctly he could n't get a loan. It should have been a red flag then. 

They had called incessantly for years and he has never resolved it. 

Could you please look into the original documents and how this was opened in my name. I looks as if it was done with some kind of credit card, so he could have used my information without needing my signature. 

He has been sued for fraud and had a {$160000.00} judgment against him. Ran over my foot and left the scene and it was considered a XXXX XXXX, but the judge just charged him a fine. He also owes the IRS, Lost our home etc ... And yet Nothing is his fault

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was sent a letter by XXXX XXXX XXXX , XXXX that stated that a lawsuit was filed against me as the defendant and Midland as the plantiff. I called Midland and they said that yes they filed a lawsuit but I never received anything in the mail or was served a summons. XXXX, an employee at Midland, stated that it was filed but was not entered yet. I asked for the case number and she stated that it had n't gotten that far but, XXXX XXXX XXXX has a case number. The case number that they said was filed was XXXX. XXXX at Midland stated that the case was sent to the District Court of Maryland XXXX County but they do not have a case number and that the case number should appear in a couple more days. She said the case was filed on XXXX/XXXX/2015. I went on Maryland Case Search and have not found such a case number. I was scared that they would garnish my wages as the letter from XXXX XXXX XXXX said could happen. I agreed to terms that was out of my realm of ability to pay based on the lawsuit that Midland and XXXX XXXX said was filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Charges were incurred prior to my getting XXXX and my income decreasing significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX had threaten me with a garnishment even though there is not a judgment against me at all. My federal loans were in deferment and my private loans were the only ones past due. I have complained to XXXX XXXX about XXXX, there are several complaints about them online about given misinformation on purpose. I have complained to the XXXX Department of Financial and Professional Regulation in XXXX because their behavior is illegal per XXXX law. XXXX claims XXXX is a lender when they are not, it is illegal to say that. NCT is a XXXX trust not a lender which has to be disclosed on the paperwork sent by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX woman suffering from XXXX XXXX MCM called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told MCM that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.

Company response to consumer: Closed