vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
This issue is that the subsidiary collection agencies for XXXX continue to report on an old account that I have full paid and XXXX shows the account as being fully paid, but their XXXX-party collection agencies continue to report causing a negative reflection on my credit report. Every six months I have to resubmit the payoff letter to clear it off. It is cleared but then keeps reappearing. I need this cleared off my credit report and to stop all further collection and reporting on this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My HSBC business accounts were closed by the bank in 2013, so I personally and specifically asked them to close my personal accounts as well. Last month, I received a statement from them for an open credit card account. It had no billed amounts or balances but it showed the account still open. I 'm concerned that an open account with no activity might pose a security risk and I do not wish to take responsibility for that. Also, it could cause trouble for me if I choose to take a mortgage. Should they choose to close it, it could impact my credit at a time that I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: PR

Complaint narrative:
midland funding llc called my home repeatedly monday - sunday 7 -12 times a day i settled XXXX co. throuhg them which was unfair debt collecting for charged off over 4 years. they called my home sundays at XXXXnow they are sueing me for a original creditor XXXX bank for XXXX '' XXXX which i received a notice from XXXX suing XXXX for wrongdoings starting XX/XX/XXXX i had been part of a settlement XXXX did with my account concerning payment protection. i became XXXX with XXXX XXXX and got the notice XXXX gambling for wages too and lost XXXX dollars. i am sick from midland credit using abusive illegal collection tactics.the settlement offer was XXXX and i paid XXXX payments of XXXX then stopped i realized the account was charged off. i recieved notice XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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: AL

Complaint narrative:
XXXX Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that XXXX bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning XXXX Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when XXXX took over they had raised my APR ( without my knowledge XXXX to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact XXXX back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: CA

Complaint narrative:
I applied for a credit XXXX account with my sister as cosigner for my dental work. I paid {$75.00} upfront and made my XXXX appointment. I had a {$5.00} copay which I paid and my dentist took XXXX. My next appointment he started a cleaning XXXX. My next appointment my dentist had left and they had me scheduled for XXXX XXXX that were n't ever discussed with a different dentist. They charged XXXX XXXX {$26000.00} for work they never did and {$500.00} for work I never had done. Now it is a XXXX bill. Please take this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I received a settlement offer from Transworld Systems Inc for {$0.00}. I called them to take the offer and was told they wanted me to fax the offer to them for review. I faxed the letter on XXXX/XXXX/2016 at XXXX. I called to confirm they received the fax. I was told they did and to give them 14 days to review the letter. I called back on XXXX/XXXX/2016 to check the status and spoke with XXXX XXXX. I was informed they never received the fax and to resend it. I resent the fax on XXXX/XXXX/2016 at XXXX. I was told that Transworld Systems Inc will not be honoring that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Transworld Systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Transworld Systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Synovus Bank
State: FL

Complaint narrative:
First progress ( FP ) a prepaid credit card company recently rolled out a new paperless billing option. Once I enrolled, I did not receive an email statement for the billing cycle for that month ( i did not realize this at the time ). The following month I received a paperless statement indicating my payment for the previous month ( the month I had enrolled ) was not received. I checked my email and spam and realized the FP had not sent me an electronic statement for the month I had enrolled. I wrote to them explained how they missed sending me the electronic statement for the month I had enrolled but they shrugged it off by writing me a letter that stated that my complaint was " frivolous or irrelevant under the regulation V fair credit reporting. I selected this prepaid to better my credit and this late payment will effect my credit negatively. I hope this can be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
i never did business with this company, i was a victim of identy theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
on or about thursday, XX/XX/2017, upon logging onto my American Express premiere rewards gold card account, an offer was presented to upgrade to Platinum card with a XXXX Membership Reward bonus for a {$5000.00} minimum spend within 90 days. I clicked on the button ( link ) that said apply for upgrade, and was immediately approved. A few days later, i inquired about some charges and mentioned that offer, and was told that bonus offer was not attached to my upgrade. no one knows why, and everyone refutes such offer exsists, yet i have a screen shot of the offer, and was even on the phone with a rep about the offer at the time of the upgrade. i met my requirements within one day, and American Express needs to fulfill their side of the offer, and not dispute the fact that they even offered that to me to begin with, as they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: MA

Complaint narrative:
The former owner of the telephone number has debt. I have tried to tell the creditor, they have the wrong number. They keep calling. I have filed a complaint with the attorney general. I have asked to speak to a supervisor and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Sir/Madam, Good afternoon! My name is XXXX. I opened a XXXX credit card on XX/XX/2016 and spent more than {$3000.00} in next three month. Although I got the reward points, they are locked by Amex somehow when I intend to transfer my points to airline with excuse " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Could you please ask Amex remove the lock so that I can book ticket with my points? 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received an offer from American Express to pay my cable bill. In return for paying my XXXX bill with my American Express Card, I would get a XXXX percent credit. I enrolled in the program on XX/XX/XXXX and received a credit on my XXXX and XXXX AMEX bills. My XXXX bill did not have the credit. I called American Express to find out why and was referred to the original offer ( attached ), which says " OFFER ENDS XX/XX/XXXX ''. The " offer '' was to sign up for the XXXX % savings. The average person would interpret " OFFER ENDS XX/XX/XXXX '' to mean that they had until XXXX to sign up for the offer. American Express told me that meant the XXXX % discount ended on XX/XX/XXXX! Using AMEX 's interpretation, the offer was deceptive. I would not have bothered to sign up for it if the savings were for only two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
I am XXXX years old, in poor health, living with my daughter in XXXX, and unable to travel except with extreme difficulty. I 'm writing because I am a long-time customer of the XXXX ( I used to live in XXXX ), a part of New York Community Bank. On XXXX XXXX, 2016 a CD of mine in the amount of {$15000.00} matured and did not renew. I want to transfer the {$15000.00} to my XXXX XXXX checking account via on-line banking, as I expect to need that money for medical treatment purposes. I have been told by the bank that I can not do so on-line but, rather, must travel to my old branch in XXXX XXXX, XXXX in order for them to allow me to move the money to my checking account. Until I do so, the {$15000.00} effectively is frozen, and I can not access it. I believe this travel requirement imposed by my bank to be an unfair and illogical requirement ( the bank can easily verify my identity over the phone ), and an extreme hardship for me. It will take me all day to get to the branch and back home, and the long car will be difficult and in fact painful for me. I ask that you assist me in this regard by requiring the bank to allow me to transfer my own money to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: FL

Complaint narrative:
A message was left on my voicemail stating that The message was intended for XXXX XXXX and was from XXXX and that I needed a statement either from me or an attorney returned to them. They left a Telephone number XXXX XXXX File # XXXX. I returned the call to find out what was this in reference to and XXXX XXXX, XXXX advisor stated that he represent the fraud dept. and that supposedly I took out a cash advance XXXX years ago in XXXX XXXX Fl. and the bank was closed or frozen and that now they are trying to collect. The amount due was {$410.00} but it has accrued penalty and interest and now the amt. is {$1800.00}. But if I provide a credit card today for the amt. for the {$410.00} that it would stop them from going to court and would go for the {$1800.00}. They also stated that I had used my brother, XXXX XXXX and XXXX XXXX as references. I know for a fact that it is a tactic and wrong. They expect for me to call tomorrow and provide them with a XXXX credit card. His direct # is XXXX XXXX ext. XXXX. File XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
have an auto loan with Santander Consumer usa. got behind in payments. example : say missed XXXX XXXX and XXXX XXXX payments. on XXXX XXXX when i make the XXXX XXXX payment, they do not apply the payment to principle and interest as if the payment were ontime. it is my understanding, if i only pay enough to cover the payment ( not enough to cover and late fees or extra interest that may have accrued ) the payment has to be principle and interest as if on time ... only if monies above the total of payments late can be applied to late fees and or additional interest accrued. one such payment i made, when there were XXXX full payments of {$450.00} each overdue, a payment of {$590.00} was completely applied to interest. i believe this to be in violation of the truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Complete Collection Services, Inc.
State: VA

Complaint narrative:
Never received a phone call or letter regarding the payment needed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: MO

Complaint narrative:
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ). 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars. 

I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information. 

However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
On XXXX XXXX, 2015 I borrowed {$1000.00} from Sun Loan Company in XXXX XXXX, Mo. to be repaid in 14 monthly payments at a rate of $ 158 monthly at a annual percentage interest rate of 67.03 %. When I realize what this loan would cost me in interest, I called the company in XXXX, 2015 requesting a payoff of the loan. The figure they quoted me seemed way high so I send the monthly payment in for XXXX. 2015. I called the company again on XXXX XXXX, XXXX expressed my displeasure on the payoff they gave me and request a manage call me and give me another figure. The lady on the phone told me she was the assistant manager and gave me a figure of {$1300.00} and told me the payoff would be good for 10 days from this date, but she stated I owed {$30.00} plus dollars for late charges. I immediately mailed in the check for {$1300.00} to Sun Loan Company and as of today my check has not been cashed by my bank. Instead I have been receiving daily calls from Sun Loan Company representatives telling me to call their office as soon as possible to discuss my delinquent account and today I recei9ved a nasty letter from Sun Loan Company threating to take collection action against me if I do not get my past due account current. They also state in the letter I received that my credit rating will be effective if I do n't communicate with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.

Company response to consumer: Closed with explanation