vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed a complaint with American Express and it seems that they have overlooked my issue and concern and have not fully investigated my problem. 
american express claims that since the merchant allegedly try to contact me that the issue could have been resolved however indicated to them that no one has contacted me other then to purchase more items at a higher quality. American Express seems to be taking the side of the other party without fully taking into consideration of what I have endure by making a purchase using their American Express protection plan. It seems as if they do n't want to hear my side of the situation and it is making me feel like I am being discriminated against. I have lost money due to purchasing this product and no one has addressed that issue. American Express has also failed to fully investigate the faulty items I received and solely sided with the other party because they claim the other party has offered to replace the item with a similar item. With all due respect if the item I purchased was damaged why would I want to buy the very same item again? I would rather take my business elsewhere. Furthermore I have several of the items which are faulty in my possession. 

Thank you for your time and attentionPlease see below in that American Express failed to respond to the Better Business Bureau with regards to my matter. 

Complaint ID # : XXXXBusiness Name : American Express Financial AdvisorsThe XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not received a response from the company. 

The XXXX develops and maintains Reliability Reports on companies in our service area. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the company 's failure to promptly give attention to the matter will be reflected in the report we give to consumers about them. 

If the company has contacted you in the interim, please notify the XXXX immediately at the address or e-mail provided below. DO NOT RESPOND DIRECTLY TO THIS E-MAIL, AS IT WILL NOT BE RECEIVED BY THE XXXX. 


Sincerely, XXXX XXXXDispute Resolution SpecialistXXXX Complaint XXXXXXXXXXXXXXXX Serving Western XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: OK

Complaint narrative:
I have XXXX student loan from loan servicer Mohela. The loan was disbursed in XXXX disbursements. In XXXX 2016, Mohela reported to the XXXX credit bureaus that I was 60 days late on XXXX loans when in reality there was only XXXX loan. This is causing a negative impact on my credit score. Not to mention that the forebearance paperwork that was submitted in XXXX 2016 was back dated to include XXXX 2016 payment. 
I am a hard-working single mother, and a veteran of the XXXX who is striving to provide for my XXXX young sons. I can not afford the financial impact that Mohela 's erroneous negative reporting is having on my everyday life. I can not afford adequate transportation or housing without outrageous interest rates because it looks like I have XXXX student loan delinquencies in XXXX 2016, instead of XXXX. 
Please help me rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX. 

It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown. 

I do not have money to buy my credit report to see if this charge has been listed against me. 

The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them. 

The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland 's representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XXXX XXXX, I received an alert from American Express that they will send a new credit card to me. I called that same day to say I did not order a new card and was told that someone requested that my current card be cancelled and a new card be sent to an address that is not on my card. Amex said they would not send the card, yet the next day I received an email that said they sent a new card to XXXX. For at least XXXX hours I spoke to many supervisors and managers all over the world who would not tell me how this happened. They said that whoever called knew enough about me to be identified as me - but not one of them could tell me exactly what information that included. After many phone calls, I resorted to getting an attorney and sending a letter ( including the FTC complaint and police report ) to the address their operator in XXXX HQ told me to, American Express XXXX XXXX, CEO XXXX, XXXX XXXX Since I sent the letter on XXXX XXXX, I still have no information, or even a response or acknowledgement that they even received my letter, though I have a post office alert that it was delivered on XXXX/XXXX/2016. 
Today I spent more time trying to get someone on the phone from that department, or their legal department, and each time I thought I was being transferred to the right person, again I was sent to a different customer service area. I asked for a supervisor in the customer service area, and was sent to NOT a supervisor. I have spent an inordinate amount of time with a simple request. 
Must I pay an attorney and rely on the legal system to get these details!? This is the poorest excuse for customer service I have ever seen in my life - and from a company I had been doing business with for many years, and I have had multiple Corporate Amex cards. 
Directly after this occurred, I spent a lot of time adding a 7-year freeze on my credit bureau records, and also froze all of my credit cards, investment and bank accounts, alerted the IRS - all of the things I was supposed to do. 
I spent another hour today trying to get information from American Express, and was again told someone would call me back... not hopeful. XXXX later, no return phone call. 
I just want the information requested so that I may take steps to protect myself from this issue happening again, and hopefully expose some security deficiency in their processes so this will not happen to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management , Inc. is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To the best of my knowledge {$400.00} dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the XXXX, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the XXXX and still no statement. Mailing my payment takes a XXXX to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NJ

Complaint narrative:
First Investors Financial Services have stolen our auto loan payments and have not applied very many payments towards our loan balance. We refinanced our vehicle with them in XXXX 2015. Due to the theft regarding auto loan payments our balance has not been adjusted except on rare occasions. Which proves that the payments are stolen and not applied to loan balance! This situation has caused our credit scores to be terrible as they have ruined our credit! Let alone the amount of money missing that should have been applied to auto loan balance in order for the balance to be correct! So-what is going on with our auto loan payments -- -theft!!!!! This company has a bunch of thieves working for them and I believe the company should be shut down due to this fact! We have also made duplicate payments on a couple occasions and still balance remains the same! First Investors Financial Servicing Corp-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. 
Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
midland funding has repeatedly attempted to sue me for a debt they due not own, filed suit in a state that I do not live in and where the debt was not incurred or billed. Improper service, they taped a summons to the front door of a house I do n't live in and got a default judgement after two attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I refinanced my Mortgage in XXXX. Then in XXXX HSBC bought the Mortgage. I borrowed 100 % of the value on the home, which was {$150000.00} and have been paying on this mortgage for 13 years. Because of penalties and late payments and added on interest, I still owe over {$140000.00} according to HSBC on the original loan. I have asked and requested several times for them to work with me to lower my interest rate only to be rejected by them. I recently had my home appraised and the value came back as {$130000.00}, so as result I am underwater on this Mortgage with no light at the end of the tunnel. I am currently paying a 7.125 % interest rate. Interest for XXXX XXXX is {$780.00} and principal is {$280.00} = {$1000.00} + {$160.00} ( Taxes ) = {$1200.00}. At this rate I will most likely never be able to repay the Mortgage. The original Mortgage does not show up on the reports, which I find suspicious. I feel HSBC is a predatory lender especially since they have laundered money for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have an American Express Serve card that I use as a budgeting tool. For the last year I have setup daily deposits from my XXXX bank accounts into my AMEX XXXX card for {$180.00} daily for a monthly total of approximately {$3400.00}. I then use their bill pay option to pay my rents and bills with these funds. On XXXX XXXX i logged into my account and discovered most of my money was gone with XXXX foreign transactions totaling XXXX that appeared to take place in XXXX. ( I have never been to XXXX ) My card was never lost or stolen and is stored at home in my safe since I do n't use it as a traditional credit card, but as a bill payment budgeting tool. I contacted American Express immediatlly and spoke with their fraud department who helped me change my password, pin and security question. The also cancelled the card and ordered me a new XXXX. They reassured my that my money would be returned to me within XXXX7 business days and that I would be contacted by a fraud specialist in the next two days via my phone. I waited a week with no response or activity, so I called again on XXXX XXXX, 2016 and had to repeat the same procedure again with a different fraud agent, who again said someone would notify me in a couple days and that my money would be returned within XXXX7 days. On XXXX XXXX, 2016 I attempted to log into my account and check the balance only to discover i had been locked out. I again called American Express who informed me that my account was closed due to some breach of contract and that my case was denied and I would not be credited with the stolen {$1000.00}. In addition they froze approximately {$2000.00} that was still in my account and said they would return it once my account had no activity. They will not communicate with me and inform me my only option is to write them a letter. I have a family of XXXX and they have put us in a very precarious position by not blocking these obvious fraudulent charges in XXXX and now closing my account and freezing my access to my {$2000.00} balance. I am not sure how I will pay my bills this month and am facing a 10 day eviction notice due to them taking my {$3000.00} and putting my family in a position where we can not pay our monthly bills. Ive filed a police report as they instructed but they still will not talk to me since they denied my case. Please Help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 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:
Midland Credit Management has continued to call my office phone despite my repeated attempts to inform them that I am not who they are looking for and multiple requests to be removed from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
In a nutshell, this company is currently jeopardizing my ability to purchase a home by reporting a collection account for a medical bill that is not mine. I am fully insured ( I pay top dollar ) and have been for years. 

The medical bill in question occured on XXXX/XXXX/XXXX and at some hospital in texas that I have never been to. Also, I live in los angeles. When I called the debt collector ( Transworld Systems ), they claim there was no social security number attached to the claim they picked up but a birth date in XXXX ; I was born in XXXX. 

I do n't know whose debt this belongs to but the mere fact that a collection account has been reported under my name for a service unassociated with me while my spouse and I are in the midst of a home hunt should be iiegal and I wish to seek damages. 

They are currently in the process of deleting the collection but the inconveience and potential money this may cost me should be criminal. People are exploited every day by these companies while the government turns a blind eye. I 've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc.
State: AR

Complaint narrative:
I questioned this debt after getting harassed by RS Clark via the phone. I had a firm retained to send out for validation of this debt and a cease and desist phone contact order. What they sent back as validation is concerning. It shows my daughter as the guarantor, yet she was XXXX years old at the date of service on the invoice, a medical practice we have never heard of for a specialty my daughter has never required, in state we do not reside in, and a doctors name we have never heard of!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I see that on my credit report I have a collection accout for {$1800.00} for XXXX XXXX XXXX in which I dont owe a debt to a XXXX XXXX XXXX I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: IL

Complaint narrative:
This account was erroneously re-submitted on my credit report by Midland Funding LLC. Midland Funding contacted me in 2013 regarding this account and at that time I advisedthem the account was not valid. Midland Funding LLC erroneously pursued this account by filing a civil suit against me with XXXX County Circuit Courts. 

On XXXX/XXXX/2013, I attended the hearing along with Midland Fundingattorneys, at that time I advised the presiding judge this account was not valid and I also advised him I repeatedly advised Midland Funding of the same. The judge requested Midland Funding show proof of the accounts validity. Midland funding was unable to do so at the time of the hearing so they were given a set time to validate this account before the courts. 

Concurrently on XXXX/XXXX/2013, I filed disputes with all XXXX credit bureaus disputing this debt. 

Midland Funding failed to supply proof to the courts validating this debt, so XXXX week before our next court date Midland funding dismissed the case on XXXX/XXXX/2013. Please note the case was a dismissed XXXX days after my dispute. 

Upon dismissal of the case I forwarded this information to all XXXX credit bureaus and the account was removed byall XXXX bureaus. 

After a period of about XXXX year Midland Funding attempted to pursue this same account unlawfully. They attempted to resubmit the account to all XXXX bureaus, XXXX of the XXXX bureaus denied their attempt to unlawfully place this account on my bureau and XXXX somehow did n't verify the previous information sent and placed this account back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
These cards are still the latest crusade for financial institutions to steal as much as they can from consumers ... They do it in the name of fees but the reality is they are taking money that does n't belong to them and without our express consent and with terms and conditions in the smallest print possible ... They offer companies these cards at a discount knowing a great number wo n't be used and they can keep the money ... I would like the cards 'refreshed ' and if really care to add a little convenience, perhaps put the balances on XXXX card. The account numbers are : XXXX {$70.00}, not worth {$52.00}. XXXX {$50.00}, now worth {$40.00}. XXXX {$80.00}, now XXXX, XXXX {$40.00}, now {$8.00}, XXXX, {$20.00}, now XXXX.

Company response to consumer: Closed with explanation