vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for and received a credit card with American Express on XXXX XXXX, 2016. The bonus offer was XXXX Membership Reward points if I complete XXXX in spending before 90 days ( XXXX XXXX, 2016 ). I completed my spending requirements and was initially given my XXXX points on XXXX XXXX, 2016. Then, because this promotion was made in error by American Express, everyone who was given this card on XXXX XXXX had their points frozen pending a fraud investigation. I utilized the chat function on the AMEX website to voice my displeasure with this event because I needed those points to be available when I was promised them due to booking a family vacation. I chatted with XXXX at AMEX and let him know that I wanted to downgrade my card to another product that utilizes Membership Rewards but that I was worried I would lose my, at the time, XXXX MR points. He assured me not only could I change products, but that I would be given my full annual fee back and I would be able to keep my points, as long as I changed to another card that used those points. I took screenshots of this conversation for proof. I was then told that the review would be 6-8 weeks from when the points posted ( XXXX XXXX ) and nothing could be done to expedite. I waited until that time had passed, and my points were still frozen. I called the Rewards Department at AMEX on XXXX XXXX, 2016 and spoke with XXXX. She told me my account was under additional review because I changed products but there was nothing to worry about, it was OK to change products, and my points would be cleared by XXXX XXXX provided I had not committed fraud or returned mass items. Now today, XXXX XXXX, I logged in to find I had XXXX MR points deducted from my account. I first used the chat feature on the website to ascertain why. I was told it was because I changed products. I asked to speak to a supervisor due to the fact that I was told by XXXX different AMEX employees that I would be OK changing and keep my points. Supervisor said I had to call in to discuss. I called in and spoke with manager XXXX in Rewards and he informed me it could be for fraud, returning, or changing products. I have now had to wait 9 weeks for points I rightfully and legally earned. I did not cheat the system, make mass returns, or violate any policies. I spent, after minimal returns and fee adjustments, a total of {$3500.00} in the allotted time of 90 days, needing only {$3000.00}. I will also include my statements for the time in question to prove that fact. I am asking for assistance in getting my XXXX MR points back that I rightfully earned. I would like to avoid having to obtain legal assistance, but will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc. has aggressively and illegally continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Please see my complaint # XXXX. The response was due from RS Clark on XXXX/XXXX/15. They have not responded. They have not validated the debt. They continue to break the law violate my rights and you continue to let them by not following through on the complaints they do n't bother to respond to. This is the XXXX one they have ignored and you DO NOTHING! Please instruct them to remove it from my credit listings immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XX/XX/XXXX - finally XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX XXXX which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. 

The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. 

I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I have a loan through first national bank of omaha that originated in XXXX of 2007. The loan was for XXXX. I have been paying XXXX a month for the last 9 years for a total of XXXX in payments. I checked my statement as i am interested in selling the house the loan is on and I still owe XXXX. So out of the XXXX in payments only XXXX went to principle. I was not made aware during the agreement that this loan was so insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I had a family emergency last week and I had the ability get an emergency pin number on one of my AMEX credit cards. I have XXXX. The card for my business had a credit line of {$500.00} because I transferred that credit line successfully to another business card last year. My Amex Open Blue is a personal credit card and I was trying to transfer the credit of {$2000.00} to my AMEX business card in which Amex was willing to help with my pin number for a cash advance. I do n't remember why the AMEX blue could not be advanced, even though I just paid it off in full -- $ XXXX. I think it was because that particular card did not allow for cash advance Amex attempted to pull the credit over to the business card, but could not. The way it was explained was that there was an internal issue. Unbeknownst to me Amex had improperly and without disclosure ran my credit report and received a score of XXXX. Mind you, I just paid off a series of credit cards so this credit hit came at the worst time possible. I just got the denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
calling my husband harassing him telling him they will sue for money not owed to them, consistently pursuing my husband to give them information about anothers information he does not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hosto & Buchan, PLLC
State: TN

Complaint narrative:
XXXX bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. XXXX added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of XXXX XXXX XXXX about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I made an auto loan inquiry on XXXX. I was seeking offers, and assumed that any companies I was matched with would only do a soft-pull for pre-approval purposes. That is what I understood from my previous dealing with XXXX. I received a response from a company which identified itself as Roadloans, and when I logged on, it said it had approved me for {$53000.00} at an interest rate of 7.42 %. I had only inquired about an {$18000.00} loan. It identified my Application ID as XXXX. I then received call from Auto 's Only, a dealership located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that Roadloans had shared my information with them, and had approved me for a loan to buy a car there ( although they also said that they would try to beat those loan terms ). I did not want Roadloans to " approve '' me for a loan, and I certainly did not want them to share any of my personal information with any third party or parties. Concerned that Roadloans had done a " hard pull, '' I called Roadloans at ( XXXX ) XXXX ( because the website said " [ online ] chat unavailable. '' On XXXX/XXXX/16 ( Pacific Time ) at XXXX XXXX., I spoke with XXXX, who confirmed that Roadloans had done a " hard pull. '' I told her that I had not wanted that to occur. She informed me that lendingtree allows them to do that, and that is how they operate. When I asked with whom I could dispute that, she gave me the following information : XXXX ( Santander Credit Disputes ). She stated that Santander was the parent company. When I asked, I was told both businesses are headquartered in XXXX, XXXX, and that both do business nationwide. I tried calling that number for Santander, but a recording said the business was closed. I went to the XXXX website ( which I learned was the CRA with whom they did the hard pull when I made a second call to Roadloans and spoke to XXXX ). I see the hard pull from today, XXXX/XXXX/16, but there is no " dispute '' button for such an action on the XXXX site. In sum, I did not want a hard pull of my credit. Before anyone did that, they should have conspicuously informed me that they might do that, and given the option to specify that I did not want it to occur/was not interested in the specific product ( here, a ridiculously high loan amount at a ridiculously high interest rate given my current " excellent '' credit rating ). Also, I did not ( and do not ) want my personal information shared by Santander/Roadloans with third parties, including dealers, as they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reports a debt that doen not belong to me without proof or validation. I have demanded proof of debt, and Experian simply responded that " collection agency has verified ''. 

Since XXXX 2015 I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

XXXX. only provided a " Statement '' does not have my address on the Statement they provided, and the phone number listed does not belong to me. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, andThey are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX ( and Experian ) continues to report negative information on my report fraudulently. 

They have damaged my credit for over 90 days without any proof despite several requests. They continue to disregard all Federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Grant & Weber
State: CA

Complaint narrative:
Item Loss of income XXXX % Penality of XXXX withdrawal {$700.00} XXXX % loss of future investment {$560.00} Labor and costs involved in letters and telephone calls {$100.00} Total requesting {$1300.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: NV

Complaint narrative:
Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Three years ago I got a loan through Santander because I did n't have any other choice. The loan 's interest rate is 22 % which should be illegal. I 've paid on time and the payments I 've made have barely made a dent in my loan agreement with them. I 've tried to get refinanced but the vehicle is a 2006 so no other lender will entertain touching it. I 've done the right thing by diligently rebuilding my credit but to what avail. Santander is a company that lacks integrity and should not be in business. I 'm sure there are XXXX of XXXX of individuals in the same boat as myself. This is n't right! So yeah I think a lawsuit should be bought against Santander and any other company that charges ridiculous interest rates. I also want to warn others that sometimes it 's better to not purchase a vehicle especially if you are going to get screwed over by vile sub prime lenders that are allowed to prey on the misfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
Being insured by XXXX when I had to visit the ER at XXXX XXXX XXXX in XXXX XXXX, I had a {$30.00} deductible/co-payment and should not be charged or billed over that amount which was paid. I have confirmed these facts with XXXX, XXXX Employee ID # XXXX, and their phone number is XXXX for confirmation. 

Both XXXX XXXX and Grant & Weber collections have been notified, yet they continue to falsely report the inaccurate information on my credit reports that I owe more money than my deductible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
On my credit report XXXX is not reporting what appears on my account online. They are not reporting that I have not been XXXX days late on my account in XX/XX/2013. Instead it says my account has been charged off. Online the company is reporting that my account is current. When the payment is XXXX days late the company calls and requests a payment because the account is still active and not charged-off.

Company response to consumer: Closed with explanation