vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
ON OR ABOUT XX/XX/2014 TRANSWORLD PLACED A INVALIDATED DEBT INQUIRY, ON XXXX/XXXX/2014 SENT THEM VALIDATION REQUEST CEAST AND DESIST ORDER IN VIOLATION OF TCPA, FDCPA, FCRA ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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 just got mail from Transworld to my address and wrong last name XXXX XXXX instead of XXXX XXXX XXXX collecting a debt I do not recognized as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I opened a XXXX XXXX account on or about XXXX 2011. Due to the fact that I was laid off from my former employer, I was unable to make the minimum monthly payments. I have tried on several occasions since to get this account paid but no one is able to find me in the system. I understand the XXXX sold the account to XXXX XXXX but they no longer have the account with them either.This account is having a negative impact on my credit report and I would like to either get paid paid or have it removed ASAP. They are not able to validate any of the information or tell me who I should contact to get this account taken care of. I need to get this resolved ASAP, this has gone on much too long

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Sarma
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRY INTO MY FILE. 
NOT PROVIDING FACTUAL RECORD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from XXXX XXXX for {$19.00} and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over {$1000.00}. So I contacted the bank and disputed the charges, about a week later I got the funds placed in my account and was told the case was closed. Then almost two months later I received a letter stating that my son had a prior relationship with the XXXX store and since this was the case he must have made these purchases. I assured them that he did n't as I checked his XXXX and there were no games on there because he does n't buy games online, he likes to have the case and disc. So as I had closed out my account before they could take the funds out, they decided to accept my direct deposit anyway and took all the money back throwing my account into the negative because of this I was also charged several banking fees for transactions they paid knowing that I had no funds in my account to cover these charges. So now my account is almost - {$900.00} and I have changed banks. They have continued to pay bills and I was then told to get a police report to release the bank from responsibility. I did that and waited ten business days as I was told, then I called back and got the same answer. My son must have made the purchases. So I asked them for proof, and they said for me to contact the playstation store, which I had already done and they said they can not provide me with such information. I do n't understand if someone was spending almost {$100.00} a day on a website why the bank had n't contacted me earlier, and they said that is not their job. It is my job to keep track of what is going on with my account. I said so you are n't responsible in helping to cut down on fraud, and they said no that is my job. I am so angry that I have switched banks and will never go back to this bank, but I am still out over {$1000.00} with no explanation or apology or anything at all resembling how a business would handle such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. 

I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. 

The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. 

I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received {$50.00} prepaid card AMX when bought cell phone 2 years ago. Exp. XX/XX/XXXX on card. Went to use yesterday, and find out they have been charging {$4.00} per month fees since XXXX 2016, and now I have almost no money left. They claim they emailed with info. I never received said information ; and had changed my email address. I never thought to inform them, since it was a prepaid card. They say tough, they informed everyone via email they had on file. Never received anything in writing by mail. Seems like these fees should be documented via return receipt verification. They will not reimburse the fees. Funds do n't expire, they just steal the money using what they call legal fees. I would have spent the money earlier if I had known the fees were adding on there. Outrageous that these CC companies can charge this on prepaid money.From : California Code of Civil Procedure Title 10, Chapter 7 - Unclaimed Property Law 1522. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! Huhn!!!! Just because I wanted to dispute items? What does one have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I was not given any notification that this medical bill was going into their collections and would not have known this, unless I had not been monitoring my credit scores at the time. This deliqent mark on my report ( given to all XXXX major credit companies ) dramatically effected my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 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: MD

Complaint narrative:
I HAVE CALLED THIS COMPANY NUMEROUS TIME AND i ALWAYS GET THE COLD SHOULDER OR ONE OF THIER REPS TELL ME THE PERSON THAT HANDLES THIS IS ALWAYS OUT OF THE OFFICE. THIS DEBT WAS PAID BY MONEY ORDER LAST MONTHALSO i HVE CALLED THE COMPANY FOR XXXX WEEKS STRAIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: RI

Complaint narrative:
This is a debt that 3rd party Midland Funding is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to Midland Funding and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.

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

Complaint narrative:
XXXX XXXX from Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX called me at XXXX on my cell phone knowing I have told them NO TO CALL me I only want written contact. He told me he was calling to collect a debt. The debt he said was charged off XX/XX/XXXX. Today is XX/XX/XXXX. That makes this debt 7 years old. I have requested more than once copies of the original paperwork that I would have had to sign if I opened the account. I never got anything that proves this is my debt. Please stop this company, and I want to get money for all the time and trouble and my reputation, that they have inflicted on me, due to their deceptive business practices. They buy debt and never make sure the debt is really owed, therefore they are in violation of the fair credit reporting act, which was designed to protect people from this type of activity. Please end this company from trying to collect from me on other things too. Especially the bogus XXXX XXXX purchases they bought. This is turning into a free for all and they need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
When reserving XXXX rooms at the XXXX XXXX XXXX hotel, a XXXX partner property, the credit card in my XXXX profile was charged the full price of the first night 's stay for each room ( {$450.00} x XXXX ). At no time during the reservation process was I notified that the credit card in my XXXX profile would be charged and at no time did I give consent for my credit card to be charged. Charging my credit card without my consent is a deceptive business practice and it violates the card organization rules. To make matters worse, there are XXXX credit cards in my XXXX profile, a corporate card and a personal card. The reservations were for personal travel, yet the XXXX charged the corporate card in my XXXX profile, which has caused hours of lost time to explain and resolve within my corporate expenses reimbursement system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have been paying more than the minimum due on my American Express account every month, yet they still list me as missing payments in XXXX and XXXX. I have records of making at least the minimum due on my monthly statements for over a year straight. They just started reporting that I am late. I have disputed with XXXX and it comes back worse each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XXXX/XXXX/2015 I am receiving calls as follows. Seems their ROBO caller is calling XXXXtime then XXXX times then XXXX time and now its has started every hour. They have called my Employer and said that they had papers to be delivered to me and that the server was outside my office. I called them and told them that if they called my employer or my office again I would file a complant. Now it is getting worse. I work for a XXXX. I do not have time for this XXXX. The account is already passed the Statute of Limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
As co-signer of a school loan with XXXX XXXX with the understanding that I did not want the responsibility of co-ownership of the loan. The rep at the time and I agreed that I would write a statement on the signature page on not sign on the dotted line. As long as my son was paying the loans there were no problems but when he got caught up in financial problems, they came after me. Though I am now paying the loan to XXXX, my request for " Proof of Signature '' is repeatedly answered with a computerized signature. I ask for assistance in obtaining the original signature page which may or may not allow me to clear my name and my credit. 

Additionally, I contacted XXXX XXXX five years ago, about a different loan I co-sign and they said they did n't have anything for me but for my son. Six months ago I started receiving threat from their collection agency and when I had my son call, he was told that I had to pay off a complete loan ( of which there were XXXX, but only XXXX with my signature or permission ). I know it is standard practice to go after the " co '' if the payments are not made or stop but these things are insinuated on me without verification. I have tried everything to get my son to pay his loans and I do not know what my right are with the situations or the loan companies. I just want proof of signature ( not computerized ) from XXXX XXXX and because I did co-sign for the XXXX ( just XXXX not XXXX ), I need to know where to start. Now there is another, ( not sure who, please see attached ) they are requesting I pay XXXX at XXXX time when I was n't aware that there was an issue. My son has not lived with me for a couple of years and the first time they contacted me was to ask for payment is full. I am willing but I have to know where to begin and the collection people do not want to talk it out, they want money. 

Any direction or assistance in obtaining the information I request as proof of my obligation/non-obligation will be greatly appreciated.

Company response to consumer: Closed with explanation