vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have reached out to Navient many times over the years. They have never given me anything but heartache and hassle. I explained to them that I was barely making enough money to survive and therefore it made it very difficult to make the ridiculously high payments they were DEMANDING each month. They actually agreed with me that I could barely survive off of what I was making financially. So they told me they could " help '' me. They said I qualified for {$0.00} a month payments but that as a result, the interest I would 've been paying would now HAVE TO BE APPLIED TO MY PRINCIPLE BALANCE. I did n't really understand what this meant at the time. All I knew was that they were threatening to take me to court or garnish my wages or worse put me in jail! I was so scared I did n't know what to say or do! I did n't have the money to pay so I had no choice but to agree. Now my education that I initially borrowed UNDER {$100000.00} is going to cost me almost {$300000.00}!? and that 's just SO FAR! I am so sickened and disgusted by this. It makes me afraid. I know if I get a better job they will take the money they want and demand right off the top. At this rate I will never catch up or get ahead in life. This is beyond XXXX. College should n't cost so much, it 's not like I went to XXXX or XXXX! It 's ridiculous! I am surviving off credit cards and that 's only making my debt worse. I ca n't go on like this for long, I do n't know what to do ... Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. 
All payments have been made on time until HSBC started a forced placed insurance. 

2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. 

As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. 
The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. 
This caused that my credit score dropped significantly and damaged my credit history substantially. 
The false information has been corrected. 
HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
i told them that i do n't owe this amount {$950.00} they keep threating me to take me to court. the collection agency is called mcm

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 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: TN

Complaint narrative:
Several years ago XXXX gave me a {$500.00} cell phone, which I believe was unlawful. I slowly paid it back and quit paying for the service and they continued to bill me for several months, bringing the bill back to around {$500.00}. I refuse to pay XXXX anything. Dept collectors have been harassing for several years. I afford to pay {$25.00} a month and the guy rudely said that 's not enough. Now MCM midland credit management, I believe, is harassing me by mail and phone and not saying who they are when they call. I plan on taking legal action in the near future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
ON XXXX/XXXX/2016 @ XXXX 
I phoned AMERICAN EXPRESS & advised a female representative to CANCEL ALL BUSINESS with AMERICAN EXPRESS et al ; due to their inability to correctly respond to fraudulent activities reported to AMERICAN EXPRESS & police by this author ; & AMERICAN EXPRESS failing to assist with the prosecution of the offender. 

ON XXXX/XXXX/2016 XXXX My wife & I submitted e-mail to 'AMERICAN EXPRESS ' documenting our previous verbal cancellation. 

YET, WE CONTINUE TO RECEIVE mailings from AMERICAN EXPRESS ranging from 'ACCOUNT IS PAST DUE ', 'FAILURE TO PAY ', TO the receipt of TWO NEW AMERICAN EXPRESS cards (! ) ; that included a notation- " You can cancel your card without obligation to pay any fees or charges until you se it to make a payment. '' Both my wife & my AMERICAN EXPRESS cards were destroyed on XXXX/XXXX/2016- the date of our cancellation. We have made no attempt to do business with AMERICAN EXPRESS since in any way, shape or form ; & wish their mailings to cease, immediately ; as these mailings now should be considered harassment by mail. Postal authorities will be notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XXXX/XXXX/16 i went to an ATM with my prepaid serve AMEX card to withdraw {$20.00} out of my account the ATM did not dispense the money it said transaction error i tried again it gave me the same message i noticed that the money was taken out of my account so i put in a dispute right away with AMEX they refunded the money the next day after that on XXXX/XXXX/16 i received an email saying that they closed the account permanently and the remaining balance will be issued in a check by mail within 7-10 buisness days i have no access to my money i tried to resolve the issue with them but they have no answers when i call i spoke with supervisors they put me on hold and then hang up on me with no explanation as to why they closed the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have repeatedly asked American Express to stop calling, stating CEASE AND DESIST as I am filing bankruptcy and they continue to harass me, calling my cell phone and landline multiple times a day, often showing up as Unknown or Private Caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In XX/XX/2016 I closed an account with American express ( card ending in XXXX ). The bill was due on XX/XX/XXXX, but I called them on XX/XX/XXXX and asked them to give me the actual balance including fees and interest. I wrote a check for the amount requested, they received the payment on XX/XX/XXXX and the account was liquidated. On XX/XX/XXXX, I received an email notifying me that I was delinquent on a payment on the same account and there were also late fees applied. When I called Amex to discuss the issues they had me going in circle, promised call back from supervisors but unfortunately no resolution was offered. They ultimately claimed that the difference was due to residual interest and there was no way to remove that charge. On XX/XX/XXXX, I end up paying {$20.00} to avoid further delinquency reports on my credit record but I think these practices are unfair and trying to resolve them is nearly impossible and a time consuming proposition. I decided to close all my personal American Express accounts and to avoid doing business with them in the future and I invite all other costumers that have experience similar issues to do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 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: PA

Complaint narrative:
I would like Midland Funding LLC to provide contract with my authentic signature that begun this alleged debt. I previous requested that they provide contract with my authentic signature, but I never received a response from them. Midland Funding LLC are in violation of FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
RE : BLUEBIRD ACCOUNT XXXX {$210.00} in stolen credit card charges I am writing to you for your assistance to settle a dispute with a stolen America Express Bluebird credit card. On XX/XX/2016 I received a text message from AmericaN Express Bluebird that my account is now at {$0.00}. I had {$210.00} balance on the card prior to this email that I received at XXXX. There were XXXX charges made on XX/XX/2016 at the XXXX XXXX XXXX XXXX by XXXX XXXX, California. I live in XXXX XXXX and upon receipt of the email from AMEX I logged on to my AMEX account I went online and saw the XXXX charges that were made between XXXX-XXXX. I received the email at XXXX, I called from my house in XXXX XXXX and called AMEX and called your payment processing center. I told them not to pay since these were fraudlent charges. They said it was pending and I had to wait until it was posted. 

I had called AmericaN Express Bluebird to request a new card since my card strip was worn from using it frequently. I never received that replacement card. Amex called me on XX/XX/2016 and said they contacted XXXX XXXX XXXX XXXX and said the charges were valid. There is no way I can travel from XXXX XXXX to XXXX XXXX in 1 minute. I asked for someone to pull the tapes and I can send my photo to prove that was not me making the purchases. I also said when I was calling AMEX they can call me back at work to prove I was in XXXX XXXX at XXXX on XX/XX/2016. 

Amex said that based on XXXX notification, they denied the dispute of my charges and closed my account. They said there was nothing they can do since XXXX said the charges were valid. I wanted to explain my case I wanted to XXXX to have someone just pull the tapes so I can verify that was not me making those purchases. The total of the XXXX charges total {$210.00}. I have already filed a police report with the City of XXXX XXXX and the USPS both reports are attached to this letter. American Express Bluebird did nothing after I immediately notified them of the fraud charges. Since this was a prepaid account they are not out the money but the consumer me is out {$210.00}. American Express Bluebird has a obligation to the consumer when properly notified to reverse the charges and to fight for the cardholders funds back which they failed to do. 

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 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: TN

Complaint narrative:
I contacted them first, stating i will take care of this when i am able too and I updated my current information with them. I was going to set up a payment plan with them but a very pushy woman wanted me to pay in full at the moment, which i could not do. She then called my work, I told her I can not speak on the phone at work, if this place ever calls my work again I will take legal action on them. They call me repeatedly during the day to where it is harassment. It got to the point where I had to start blocking them, but they would call me under different numbers. They have became so harassing and pushy that I have been ignoring the debt. I did contact them first to get it resolved, but now after this I will go thru the company I owe the debt to personally and pay it. This morning they called me at XXXX, XXXX, XXXX, and its only XXXX now! I cant imagine how many more times they will call today! I will end up blocking this number as well! I know they will find a new number to call me on though! I work full time and to get these many calls during my work day is awful! I will take legal action on them if I need too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I agreed to pay a settlement amount of XXXX and MIDLAND CREDIT MANAGEMENT charged me XXXX for the same payment, which was XXXX XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To Whom It May Concern : I have had an ongoing issue with American Express dispute resolution. Back in XXXX I purchased XXXX pairs of shoes from XXXX for {$1500.00}, XXXX. None of the shoes fit, so it was returned right away back to XXXX as described in instructions. The items were sent to : XXXX Returns Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. I sent them first time by XXXX ; Mon XXXX/XXXX/2016 Tracking # XXXX. They returned without saying anything. I then thought it was a mistake, sent it back again by XXXX overnight, Wed XXXX/XXXX/2016 Tracking # XXXX. Few weeks later, it was returned again. And one more : Tue XXXX/XXXX/2016 Tracking # XXXX. Then I got the items back, and I contacted American Express via the chat system asking what shall I do - I have useless shoes and the XXXX is playing games. The customer service reassured that they have no problems to resolve such cases, saying " they have no reason to disappoint me ''. I was instructed not to send anything to XXXX, and if anything is needed I will receive further instructions from the dispute department. 20 days later - the case is denied, saying I have the merchandise and I am not entitled to refund because of that. So I sent the merchandise back to XXXX one more time : Wed XXXX/XXXX/2016 Tracking # XXXX. No return was received. So first case was denied, because XXXX says " items were returned/not authentic ''. I then reopened the case, saying it was returned and accepted. So the case was reopened, I got a letter from Amex asking for a proof of return, they got it, wasted another XXXX3 weeks, and denied the case, saying its not my problem. 

At this point, I have no shoes, I have to pay to American Express, they do n't let me talk to investigator, saying that they are not even in the US and they do n't have phone numbers. 

To me it looks like American Express has illegal deals with big stores, which results in denial of all claims as long as it is not fraud. American Express suggested to file me a fraud claim if I want to " have a different outcome ''. 

Please investigate the whole issue, and help me to get the proper resolution in this case. I will be filing more complaints with other agencies and probably social media/news outlets to let others know how American Express is operating. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This account was discharged in bankruptcy XX/XX/2010 over six years ago. The account was XXXX INC AND RECENTLY TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX ( a collection agency for XXXX ) has sent a threatening letter demanding payment for really I have no clue what. It does n't break down what its for or why we owe this amount. Its been over 7 years since we had XXXX service at a home that was discharged in the bankruptcy as well. Ive since contacted my lawyer and if another letter is sent we can sue and get paid for harassment. After all bankruptcy is hard but its for a fresh start and not to be harassed nearly 7 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: GVA Holdings, LLC
State: OR

Complaint narrative:
I can not keep up with my payments, barely getting by Paycheck to Paycheck, my Account has been constantly negative & I did not know the State of Oregon does not allow Online Payday Loans. I contacted to State of Oregon regarding this matter & they suggested contacting this Agency via Website. It is an XXXX for Online Payday Loans called Greenline Loans https : //www.greenlineloans.com The Consumer Protection - Oregon Department XXXX recommended that I contact this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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: OR

Complaint narrative:
I have asked to verify debt and I did not get a response and verification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Have asked HSBC for a Discharge of mortgage for the previous owner of my house. When previous owner paid their mortgage off XXXX years ago during the sale to me, the bank never recorded that Discharge of mortgage with county of record. My lawyer has now been working on getting that discharge since XXXX 2015, a process that should have taken no longer than 90 days per HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: GA

Complaint narrative:
I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 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: TX

Complaint narrative:
I continually receive calls attempting to collect a debt from my husband 's ex-wife. I have repeatedly told them that they are contacting the wrong person, and they still call. I am unsure how my number got associated with her because I have had this number for twelve years, and I 've only been married for four.

Company response to consumer: Closed with explanation