vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had an American Express card for over twenty years and recently received a letter from them stating that Federal Guidelines require a physical address for my account and if I do not provide one within two weeks my account will be closed. Is this correct and legal? I use a US Post Office box for all my bills and have had no problems. I am a XXXX and work and live on XXXX hence no physical address. When I am off for a period of time, I generally short term rent and store my few belongings in a storage unit. I can not be the only one with this lifestyle. Ii know many people who live year round in RVs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
A company that goes by the name of Transworld Systems Inc. has been calling me repeatedly for the past two months, usually XXXX a day. I only answered the call XXXX and the representative I spoke with was attempting to collect an alleged debt owed to XXXX XXXX. I refused to give them any personal information and contacted XXXX directly. As I suspected, I owed no balance to XXXX XXXX never have ) and was not on any " do not rent '' lists. The representative I spoke with at XXXX was concerned because they said they have received multiple calls from other customers who were made to believe they owed a debt that they did not owe. I am concerned because I did rent a car from XXXX last year, so I am lead to believe that somehow Transworld has hacked XXXX system to get names of renters or obtained personal information about me from XXXX somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
How ever many attempts to speak with XXXX per operator. They state he should called me back than they transfer Me XXXX and said he would called me back.XXXX if this number is right still no called from your agency 's of Transworld collection. Now since XXXX sent my loan to Tranworld no one answer the phone for the whole of this month, I need to speak with someone about my loan please help someone from Transworld Collection thanks. As of XX/XX/2016 no answer please someone help this retired senior citizens please help some body hear my cry. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: CA

Complaint narrative:
I have been making payments to Mohela while I 'm in school. They are missing XXXX of my payments according to their website. It is very difficult to comprehend payments received on their website. I 've asked for an itemized list of ALL my payments and they do n't seem to be able to send it. I 've verified with my bank, XXXX, that they have received all my payments. I can send a list of my payments from my bank if needed. They should be able to provide a document saying what I 've paid to date so I can match that with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I took approximately {$50000.00} in a combination of Federal and private student loans from XX/XX/XXXX to XX/XX/XXXX for XXXX separate stints in school. These were consolidated by XXXX XXXX and transferred to the XXXX. The XXXX transferred the loans to Trans World Systems. Since the transfer to Trans World the balance has ballooned to over {$92000.00} and no settlement will be considered. Upon contacting Trans World I receive lie after lie and misinformation after misinformation. I was originally told that the loan would be available for negotiation and settlement in 90 days, then told that it would be 6 months. Upon calling them today I was told that there was no negotiation and that they were shopping for someone else to buy the loan and they they had no idea if they would be open to a settlement. Exactly the opposite of what they said both 6 months and 90 days ago. No one could provide an APR or repayment terms. Trans World Systems is nothing but a band of liars and cheats who use unfair and illegal collection practices to dupe the unknowing into trusting their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I had a check that was mailed and it did not get credited to my account until a month and 7 days after I mailed it. I assumed it got lost in the mail. I mailed them a XXXX check and when it cleared the bank, XXXX checks cleared the bank the same day. I contacted the credit card company and they credited interest back. I paid in full each time. The next month, they charged me interest again. I called and they credited interest back. The next statement, I mailed 7 days before it was due. It did n't arrive until 8 days after I mailed. They charged me interest and a late fee. I called and they would not credit back my late fee, because they said I had achieved too many courtesy credits. I cancelled XXXX credit cards I had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
THIS IS NOT MY DEBT! 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hi, I was given misleading information from AMEX rep via the phone two times : 1. I wanted to close my credit card account but did a credit card conversion to a different card instead because the rep told me I can keep the old credit card history and it wont open up a new account. This is not the case on my credit report. 

2. I requested an investigation a few months ago and was told I will be reached out for explanation. It never happened and when I called and asked today I was told there will be no response if they deemed they didnt do anything wrong. 

In summary, I opened up a new credit card account with misleading information and American Express refused to correct the mistake or provided any compensation for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I applied for an American Express Delta Skymiles Credit Card in XXXX 2016. I have screenshots from XXXX and the application showing that the offer was for XXXX miles however I am being told it was only for XXXX miles. I have clear evidence showing that the website said XXXX miles. I complained to Amex and it took 5 weeks for them to say they would not credit me the extra XXXX miles as promised. They claim the offer said XXXX and that is that. They consider the matter closed, however I believe there is malpractice here in advertising because the website clearly shows XXXX miles when you spend first {$1000.00}. Even when I showed them evidence of this they said no. They claim my offer said XXXX miles but the screenshot shows I was logged in under my skymiles profile and it clearly says my name in the web page and an offer of XXXX miles. I tried to reach out to their executive office to no avail. I am very dissatisfied with the level of service and misleading credit card application. I feel like I have been deceived and that I was tricked into opening a credit card and am not receiving the full benefits promised on XXXX. I complained to the XXXX and American Express now says they will no longer respond to my complaint since the " issue is resolved '' however it is not resolved at all. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called American Express so that I would be able to realize a question that I had. I had previously called and I did n't have any problems and all of the representatives were lovely and understanding. I called again because I had previously called and spoken to a supervisor who had given me some bonus miles in my gold delta card and he told me to call back today and ask for a rep so that I could get my intro offer expedited. I first spoke to a great rep that was understanding or my situation. He later transferred me to a horrid customer service supervisor that had no customer service skills at all. She started off by saying hello, but in a very dry way and she did n't seem to concerned about me or my problems. She almost right away instead of saying anything else said " I will be taking back all of the miles given to you ''. I did n't do anything wrong and I 've been with Amex for over 22 years and she made me consider cancelling all of my cards. I never lost my cool and she was still being very rude to me and dry and cutting me off even after I explained my problem and what was happening. In the end I was almost in tears because she did n't understand anything I said even though I had repeated myself many times. She did n't even say that she was sorry due to the circumstances and when the call was done all she said was " I will be talking the miles back ok '' even though I was still trying to convince her otherwise and trying to explain my situation and what she was doing to me. She then hung up and did n't even with me a good day or anything of the sort. The customer service supervisor 's name was XXXX. I am trying to send me son to New York for a XXXX in the summer and the tuition was over {$3000.00} and I also had to buy the ticket. The previous rep supervisor had given me extra miles to help me out and I had completed to pay my flight with miles and my son thought that he was surely going and everything was set, and so did I! I am now stressing over what I will need to do in order to be able to send him since he really wants to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
XXXX 2016 I noticed a negative item on my credit report reported from TRANSWORLD SYS INCXXXX. It claimed to be for a debt to XXXX XXXX XXXX for {$340.00}. Prior to this I have not received any notice of this debt. I found XXXX numbers for XXXX XXXX XXXX by calling my local hospital and searching the web - XXXX have been disconnected ( XXXX and XXXX ) and the third was for another firm that had no record of an account under my name ( XXXX ). I then called Transworld, who indicated the debt was from XXXX 2016, but they had no information on what the bill was for, nor were they able to provide me with contact information for XXXX. They did indicate that they would contact XXXX to request the original bill and send it to me. 

My complaint is that my credit score has been severely hurt by this small bill that I have no information about and that, even after filing a dispute and calling, ca n't seem to get any details about. I pay my bills on time and would be happy to pay this bill, except that neither XXXX nor Transworld can tell me to whom to pay the bill, or explain how I 've never received a single letter or invoice about this debt prior to it appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was contacted by the American Express representative, XXXX XXXX. When I returned his call in XXXX 2016, XXXX XXXX asked if I wanted to continue with American Express after the American Express XXXX program expired. I said I was not interested, but XXXX XXXX noted that one of the benefits of the American Express Business Gold card he offered was that it included primary insurance coverage for car rentals and that the first year of the card use would be free. I accepted the card based on these benefits. When the card arrived, the paperwork indicated that the car rental insurance coverage with this card was only secondary. I immediately called American Express to understand why there was a difference and if I could get the insurance coverage that was promised. American Express said they would resolve this issue within 6 to 8 weeks. After 2 months went by, I called American Express to find out if there was any resolution. At that time they offered to sell me primary car rental insurance for an additional fee. I told them that I was only interested in the original offer in which the primary car rental insurance was included at no additional cost. I was then transferred to an American Express supervisor named XXXX. The phone connection was bad and the supervisor said she would call me right back in hopes of getting a better connection. We confirmed the phone number for her to call be back at. Several hours went by and I did not receive a call back from American Express. 
I feel that XXXX XXXX falsely represented the card benefits in the initial sales call so that I would continue as an American Express customer. It appears that American Express has no interest in resolving this discrepancy. At this point, I feel that it is in my best interest to cancel this account to avoid paying a renewal fee for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 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 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
- XX/XX/2015 due to an XXXX condition I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the XXXX. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the first invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a second invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency Transworld Systems Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX XXXX XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about 20 min losing the call at the end with no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received the following e-mail below stating that American Express Serve will closing my investigation of Fraud claim that being taking {$71.00} I would like to request a investigation of the business and ensure it being work according to United States Federal Regulation all misconduct and mismanagement found all individuals be convicted according to United States Federal LawPull Down to RefreshUpdated XXXX agoCurrent Important E-MailYour Serve Account : We have completed our investigation of your disputeAmericanExpress Serve Correspondence to youXXXX XXXXShow DetailsServeAccount ending in XXXXHi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToPDF-FILLER XXXX - XXXX , XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigationIf you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 

Thanks, The American Express Serve Team

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have recieved two ( 2 ) meritless, fraudulent letters from XXXX, in which they claim they will file suit for an alleged debt. I started doing research on them, and I have found that they do follow through with the suit, however the suit is pretty much meritless, but nonetheless the defendants end up with a default judgment due to the inability of defendants to find counsel.

Company response to consumer: Closed with explanation