vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was supposed to start making my car note payment on XXXX XXXX, 2016. I sent them online payment through my husband`s bank with the loan number on it 2 weeks early on XXXX XXXX, 2016 and it cleared the bank on XXXX XXXX, 2016. Few weeks later, I started getting calls from the company that I`m 21 days past due! I quickly called them back and told them that I even made my first payment 2 weeks early, so I should n't be past due. I later went with my husband to his bank and found out that the company returned the money to my husbands account on XXXX XXXX, 2016. I asked them why they did not inform me in writing that they returned the payment? They could not answer the question. I have also made the XXXX payment on time and I have agreed to resend the XXXX payment when I get money. The company has refused to stop saying that I`m 17 days past due, and has also refused to write me a letter of apology for sending my payment back without properly notifying me in writing. I was never late on any of my payment. I always pay ahead of due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
XXXX of XXXX, XXXX sold me a car and after 6 weeks, the car had trouble. So, I took the car back, and XXXX gave me a loaner car. I explained to them that I could only afford a certain note amount. XXXX allowed me to keep the loaner car, but the car note doubled. Now Santander Consumer contacts me up to 7 times a day if I 'm late by a couple of weeks. Sometimes they even call me early in the morning waking me up and late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I was reported XXXX days late from Santander Consumer usa in the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The report was not showing late payment until XX/XX/XXXX. I made all payments on time and do not understand why they added these late payments to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX transactions from the same retailer were pending and then voided by the retailer. The retailer never received the funds. Almost a week later, American Express still has the funds blocked and held. After numerous phone calls to their customer care team, and being transferred to at least 9 individuals, they said there is nothing they can do and to contact the merchant. After contacting the merchant, they confirmed they do not have the funds and have released the hold back to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland funding purchased my debt from XXXX XXXX XXXX in which I paid off I never had an account with midland funding which is a third party debt collector that buys debt for as low a {$1.00}. They have no proof that I ever had dealings with there company they are reporting false information to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Relocated to Ohio in XXXX with a job transfer. It was not a smooth transition and because of many circumstances out of our control, the move cost us XXXX and a lost home. The transfer was voluntary therefore, the company did not reimburse charges. In XXXX, we found that we were trying to recoup our monies lost and was contacted by a broker with HFC, what he explained to be a Home Equity Loan sound as though this is what we need. It would consolidate our debt into XXXX loan in the amount of {$20000.00}, and it would be paid off in XXXX years. I contacted HFC aka HSBC a couple years ago to inquire as to why the loan is going on XXXX years old and the balance is {$21000.00}. I was told that this was a credit card with a high interest rate which incurres interest monthly. Because of the job market in XXXX Ohio, I have been unemployeed ( layed off ) XXXX times since XXXX ; I allied for a hardship modification with HFC and was approved in XXXX XXXX. I am still getting late notices for the original montly amout and when I call in I am told they do not know why their system has not changed things nor why the total amount is not going down other that THIS IS A DAILY RATE INTEREST BEARING LOAN. How can we ever take care of this? I feel this was a deceptive practice from the first conception of this loan and I am sure we are not the only ones this has happened to. What can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I would like to file a complaint against beneficial finance they have been trying to collect back mortgage payments that were covered in our bankruptcy I am sending documents in hopes that the cfpb can help us they have added interest and penalty 's for six years they call it deferred interest I hope I covered it well enough in my letter and court documents thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XXXX XXXX, 2015 I ordered XXXX diamond rings on XXXX XXXX XXXX # XXXX ) and decided to return them upon receipt ; I obtained a return authorization and XXXX supplied the pre-paid shipping label for the United Stated Postal Service. Next XXXX said the returned package was unsealed and open when they received it and the rings were removed from their individual ring boxes within the single return box. American Express worked with XXXX over the last year while the charge was in and out of dispute repeatedly. 

Last month XXXX suggested I file a claim with USPS and insisted tracking number XXXX was invalid. Again, I attempted to file a claim with the XXXX, but they said XXXX needs to file the claim since they paid for the shipping ; I do not understand why that would not be standard procedure when they receive an opened returned package with missing contents. XXXX did not entertain the USPS statement that the tracking number is correct and the returned package weighed XXXX pound on XXXX XXXX, 2015 when I gave the sealed box to the post-master for the return shipping ; the USPS does not accept unsealed packages for mailing, and XXXX said the package weighed XXXX pounds when they received it. I would greatly appreciate the USPS statement be supplied to XXXX, proving the rings were removed during the return shipping that they provided ; I have no other insurance and this is not eligible for the AMEX purchase protection. 

Thank you very much for your time and support!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX were my mortgage company but they turned it over to Greentree Servicing, these are some very rude and uncaring people, they have no training not even the so called Supervisor. If your mortgage payment is XXXX day late, they will try to harasse you into making a payment over the phone which is a XXXX fee then they will tell you that they will waived the XXXX fee but they do n't, after you questions the charge they tell you that their Supervisior forgot to remove it but they never refund you. My mortgage payment was 13 days late I informed the lady that deals with my account that my payment was mailed 5 days ago I asked her to wait until tomorrow but she told me that I should do a short sell because me and my husband were a sad case because we could not pay such a small mortgage payment, she went on and on with many insults and hung up the phone while I was talking. Something must be done about this as a consumer I feel like my hands are tied because this has been going on and on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis. 
Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do n't exactly know how to reference this account. But I 'm having a problem with a credit reporting agency. XXXX XXXX XXXX XXXX, TX XXXX. I was inform that the company do not have to verify that the information that is reported on a consumer account to ensure that the information that is being reported is accurate. I forward a letter to XXXX that I received from the company regarding a dispute request removal, that the company sent to me. XXXX acknowledge that the letter was receive but did not removed the dispute. XXXX said that they opened a dispute regarding the company then sent a request to confirm the information. Once XXXX received the response from Midland the company this is in regards, said that I was disputing the information. I have the letter that I received from Midland acknowledging that I was not disputing the account and forward a copy to XXXX. But regardless of the letter that I recently received from Midland that clearly states the company acknowledge that I 'm not disputing the account. XXXX insist on reporting the information incorrectly. So, I have a complaint for both of the companies Midland Funding and XXXX Credit Reporting Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am complaining against American Express ' ( AMEX ) " dispute transaction '' service. 

I ordered some draperies from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX with 3 weeks lead time. XXXX charged the full amount to my AMEX account but did not provide any refund policy or warranty documents. 3 weeks late, on XXXX/XXXX/XXXX XXXX delivered the wrong specification. I disputed the transaction ( $ XXXX+ ) via AMEX . AMEX was fully informed the product was incorrect and I had provided a photo and document evidence but went ahead and paid XXXX. 

I also contacted XXXX directly on XX/XX/XXXX. The woman whom I dealt with came to my house on XX/XX/XXXX, tried to persuade us to accept the product, AND suggested that we hold on to the product for XXXX weeks to see " if we could live with it '', and if it did not work, we would receive full refund. 2 weeks later, on XX/XX/XXXX, I emailed her and requested to receive our full refund. Since then, they have refused to issue the promised full refund. 

After I launched the first and subsequent disputes, XXXX provided AMEX with bogus documents and testimonials from their workers/subcontractors. AMEX has rejected me a total 6-7 times ( this process has taken me 8 months ) without providing valid reasons or direct contacts to the dispute team. I had to re-explain my case and complaints EACH and EVERY time I call AMEX customer service. This was not only time consuming but also emotionally stressful. Finally, on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( AMEX Executive Customer Care Office ) after I called and complained to AMEX NY HQ on XX/XX/XXXX. However XXXX XXXX unsympathetically said XXXX is their customer and they will not impose the refund because the express warranty is not written down. She also reiterated what the customer service agents had told me many times that AMEX does not really offer a dispute service, and that they merely relay messages to and fro between the merchants and the consumers. This service is completely mis-represented. I was reassured each time I called that AMEX will get my money back. Now 8 months have elapsed I am still to find out if this time wasted has any effect on the standing of my case if I were to purse other avenues. XXXX XXXX also reminded me that per the Cardholder agreement, the {$5000.00} is now my responsibility. 

So not only did I not get my product on time, or on specification, I also owe AMEX XXXX dollars. AMEX will accept XXXX ' bogus documents and deceitful business practice but not my honest words. They have taken me around and around a dispute process 6 times, only to tell me there is no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am in debt. Big debt. I contacted XXXX in XXXX to help me, especially with my credit cards. They were able to negotiate a lower rate for my XXXX credit card, and they are taking care of that now. 
My American Express card, however, was on a promotion, so the application for a debt management program was rejected. The promotion ended in XXXX. The DMP was accepted, then the payment was increased, then the whole thing was rejected. 
I received a letter from AmEx telling me to contact them about their internal DMPs. So I did. 
Once again, I was rejected. The customer service rep, however, could n't tell me why. No one can tell me why. Apparently, no one knows why. I kept asking how I was supposed to correct the problem if I did n't know what it was, but I got the same answer. 
One representative told me she thought it was because my account was current. ( I have been making regular payments of a little more than the minimum. ) I should skip my XXXX payment and call back, she said. Or, I could call back closer to my due date so it looked like nonpayment was more imminent. She would not close my account, even though I asked her to do so at least twice. 
Another rep told me to reapply in 60 days. 
XXXX was told to reapply in 60 days, but another rep told them that a rejection was final. 

What the heck?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a Public Record reporting on my credit reports that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I accepted an airport offer from American Express in XX/XX/XXXX to earn XXXX bonus miles and a {$50.00} statement credit if I made qualifying purchases within the first three months. I did so, paid my bill in full promptly - but never got the promised miles or credit. The reason? I held the card in XX/XX/XXXX ( which, of course, I do not even remember ). Sneaky marketing. Exhausting to read through all the fine print. Alot of wasted time on my part trying to pursue an offer I could never really get.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
i am writing to you about a dispute i filed with my capital one card.i paid a company XXXX on XXXX XXXX the company name is XXXX.i was issued a credit on XXXX XXXX iwas told there would be no refund.the company sent in the contract i signed as i knew they would.capitol one sent me a form letter about a billing dispute which is not how i wanted to dispute the charge.the charge was disputed as services not rendered or provided to me.they took way more money from me than just this on several of my credit cards.capital one never even gave me the opportunity to answer what XXXX sent in.i tried on several occasions to talk to capital one but it seems nobody would listen.this company also promised me a grant which i also found out was fraud.i am the victim and the customer but capital still lets them operate with a merchant account to commit fraud.why do they not have to prove what they did for such a ridiculous amount.i do not feel capital one even did an ounce of investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: MI

Complaint narrative:
On XXXX XXXX, 2016 I submitted a letter to Midland Credit Management Inc, requesting a copy of contract that I have made with the company regarding a debt the company claims I owe them. In response I received a copy of a XXXX statement that states the account was charged off. Midland refuses to XXXX out my amount due owed, stating the debt is valid. I spoke with a representative from Midland, XXXX, who states that her company will not dismiss the fraudulent debt and that I still have a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
When I applied for the Amex blue cash everyday credit card in the second week of XXXX, there was an incentive attached to applying for this card ( online ). The incentive states that if you apply for this card by clicking the link provided that you will recieve 10 % back at U.S resteraunts on the card within the first 6 months of card membership, up to {$200.00} back in statement credits PLUS earn {$150.00} back after you spend {$500.00} in purchases on the card within the first 3 months of card membership. I called AMEX in the beginning of XXXX inquiring about the {$150.00} statement credit in which I have spent well over {$1000.00} within the first month or so of membership with this card and payments in good standing, for a rep to tell me that it usually takes 6-8 weeks. I recently called again last week because that time frame is approaching only to be told that there are no offers attached to my card? This promotion is currently still running and appears frequently while I am online surfing the internet. It appears even if you navigate to the American Express Website as well. This offer was one of the main reasons that I applied for membership with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The credit bureau is reporting a bankruptcy on my credit report but the court does not verify that information. Therefore that information was pulled out of a third party reporting agency therefore it must be removed and deleted completely from my report. I would appreciate it once deleted to be notify via email. My email address is XXXX

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 explanation