vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have been on the phone with American Express for over 4 hours this week. I signed up earlier this year for a credit card product that came with a {$450.00} annaula fee and I would receive XXXX points. I paid the annual fee, made the requite purchases to receive the XXXX points and American Express wo n't release the points to me. My account shows the points have been credited to me, but AmEx has somehow and for some internal reason put a freeze on the release of the points to me. Their product advertising is misleading and deceptive. 
Their customer service is unhelpful, and unable to come to a resolution. 
I was told by XXXX of their representatives that the points on my account could be released on XXXX XXXX. I asked what did meant, and I was advised that there was a XXXX week window after I met my minimum spending criteria. I then escalated my complaint to multiple supervisors and was advised of XXXX different dates for when my points would be available. There is no reasonable basis for my points to be frozen and will an upcoming trip, I ca n't access my points for the purpose for which I applied for the credit card. I 've been told by several different customer service reps that they ca n't escalate unfreezing my account/points. 
AMEX is willing to admit the many mistakes they made but will not rectify the situation with me. They are not offering me nothing but a {$50.00} statement credit. AMEX costing me time, money, and distress. I would like the release of my points ( per their own advertisements and promotions, an apology from AmEx and a refund of my {$450.00} annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 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: NY

Complaint narrative:
I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of {$2000.00} and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: DC

Complaint narrative:
I am getting frequent calls from this XXXX number and it is dept collector. I have no any debt, loan or outdated credit card or any sort of bills to pay. I want to know how did such company get me number and called me. I receive similar call from other so many unknown numbers. Concern authority must take strong action to protect innocent citizens. Thanks

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I contacted Midland Credit Management via telephone, to question them about my debt account they purchased from XXXX XXXX Credit Card Division. I informed them, that said debt had no activity since XX/XX/XXXX, and asked why do they continue to contact me. I was informed that the last payment to XXXX was XX/XX/XXXX. I informed Midland, I have not paid anything on this account since XX/XX/XXXX, and that someone, including them, may of claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from Midland , and was informed, Midland sent out a letter in XX/XX/XXXX. I told the Midland Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XX/XX/XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XX/XX/XXXX, I am requesting Midland cease reporting this to Consumer Credit Agencies. 

XXXX XXXX XXXX card number : XXXX Midland account number is same as XXXX, but, they also have another number, too : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: CA

Complaint narrative:
In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered Midland Funding , LLC ( " MCM '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for XXXX XXXX XXXX BANK. 

I mailed a Midland Funding , LLC a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from Midland Funding , LLC stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). Midland Funding , LLC failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by Midland Funding , LLC with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express offers promotions where if you make the necessary purchase they will credit your charge account with a stated sum. I routinely avail myself of these offers. In this instance I spent the required {$200.00} at XXXX and did not get the promised {$50.00} for using my Amex Serve card. .I did the same offer on my other Amex cards and got my credits within a few days. Their representatives assured me that i would get the {$50.00} credit ( all info herein is documented ) - that I needed to wait 90 days.After waiting the 90 days I resumed calling Amex to get them to fulfill their promise. Instead I ended up with their last response totally off target and making me want to pull my hair out! I have printed evidence that I enrolled my card during the proper period, spent the requisite amount during the correct dates, and an acknowledgment from Amex that confirmed all of the above. Over 120 days have passes and yet I am forced to file a complaint to get the {$50.00}. Very sad!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
default judgement filed and i was not properly served summons, wage garnishment order served my employer. i submitted claim of exemption. Midland Funding LLc submitted opposition to claim of exemption stating they would not be present at exemption hearing. 
found that to be strange begin that they felt i really owed them. 
I went to exemption hearing, no proof of service in documents when i inquired who was sub-served for me, original creditor was not indicated in documents. Judge said my money was to be returned to me. I feel humiliated, and Midland should be findfor falsifying legal documents, destroying people credit worthinessand making false implications to consumers employers. This would be consider a strike against me, and another strike, i could lose my job after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: GVA Holdings, LLC
State: CT

Complaint narrative:
They called me to verify that I applied for a loan by calling them. I did not but they had all my information. I asked for information to find out what was going on and they told me to file a police report, They had my social security number but would not give me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 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: OH

Complaint narrative:
I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 

Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX. 

I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. 

I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX. 

I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
creditor withdrew original.debt told collector drop but it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: SC

Complaint narrative:
I have a student loan from the Alaska Commission on Post Secondary Education that is currently in forbearance. Apparently, they sent me a letter that was returned to them XXXX probably delivered to the wrong house ) and instead of calling me, emailing me, or attempting to contact me, they began harassing my extended family members and all educational institutions where I have previously been enrolled. At the same time, they have not once tried to contact me-and I 've verified that all of my contact info on file is correct. I did not receive a single phone call or email from them until yesterday XXXX XXXX XXXX ) which is the same day that my family members received their letters from XXXX. More importantly, my loan still in forbearance, meaning that there is no payment due. My next payment is not due until XXXX. I would like to file a complaint because I feel like their harassment of my family-including my XXXX year old grandparents-is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: OK

Complaint narrative:
I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC.
State: FL

Complaint narrative:
Received a call on XX/XX/XXXX regarding an online payday loan that I had borrowed in XX/XX/XXXX. I stated to the caller that the debt was paid in full years ago and I have a paid in full letter. However, the company this person listed was different from the company on the Paid in full letter and I only borrowed from one company. Was told to fax the letter over. The number that called was XXXX, which I looked online and found that multiple people have been receiving similar calls on online payday loans they never borrowed from, including a minor. Also received a called today on XX/XX/XXXX from XXXX stating there was an attempt to defraud a debt and I need to call them so they can " hear my side of the story ''. I check my credit report on a weekly basis and I have NOT received anything in the mail regarding an unpaid debt nor do I have a debt in collections.

Company response to consumer: Closed
Consumer complaint received 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SD

Complaint narrative:
We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
On XXXX/XXXX/15 I recieved a loan from Radient Cash for {$700.00}. that was directly deposited in my checking account at XXXX.The loan is called a payday installment loan and is for 6 months.The payment for {$200.00} is automatically taken out of my account on the XXXX and the XXXX of every month. This is {$410.00} a month for six months comes to {$2400.00}. This is an interest rate of over 700 percent a year. They never brought that up to me. It gets worse, after looking over my bank statement XX/XX/XXXX I notice that they deposited {$700.00}. twice on XXXX/XXXX/15. Now I realize that I owe them {$1400.00}. After doing much research I discover that this is not leagal in NJ. Today is XXXX XXXX and I am up to date with all payments, but I 'm not able to do it any longer. Please, please help me rectify this horrible situation before it destroys me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I bought a truck from XXXX and financed it through Santander. I paid for the additional GAP Insurance. In XXXX 2012, I was rear ended by another vehicle and my truck was totaled. The other driver was considered at-fault. His insurance and my gap insurance should have covered the entire balance of the truck. I find out a month ago that Santander claimed I had a balance left over and wrote it off as a repo. This is a False Repo that is now preventing me from purchasing a new vehicle. I need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My boyfriends father over 10 years ago got a new car and put me on his car loan that I did n't know. He passed away so I tried to pay it off which I did after the car was wrecked by his son and then paid off from the insurance company which paid late. The credit reporting company shows it unpaid and closed in 2015 which is wrong it 's been over ten years and I never signed paper work about owning the car? But it 's on my credit report. The loan company is Santander consumer. Please help me it 's been ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
In 2001 XXXX XXXX authorized a subprime loan for a mortgage that was way to much for the economy, value of the home, and area.its been over 16yrs of paying this underwater mortgage after selling the loan to several other companies XXXX XXXX XXXX XXXX now New York community bank they have my home in foreclosure! I have raised my children here and now my grandchildren do n't want to lose my home.

Company response to consumer: Closed with explanation