vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I just started using American Express Serve. I went to XXXX of their advertised XXXX ATMs to withdraw {$400.00} to pay rent and the ATM malfunctioned, giving me an error message but no money. When I contacted American Express Serve they told me that the funds had been withdrawn from my account and that it would take up to 45 business days to investigate the matter and possibly 10 business days to credit my account. This issue happened on the XXXX. It is now the XXXX and American Express has no update on my claim. Every time I call customer service they just give me the practiced customer service apology but they can not help me. They can not transfer me to the claim department since they do not take calls. I need this mater resolved. I need access to that {$400.00} at this point to feed my family. It is not my fault that their ATM malfunctioned. I having nothing to do with there procedures and policies. All I know is that I need to feed my family and I had entrusted American Express with my money which they will not give me access to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. XX/XX/XXXX, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Express Aviation
State: TX

Complaint narrative:
XXXX closed in XX/XX/2016 and over charged me on my loans. The school no longer exists. XXXX took over and now I have to pay out of my pocket XXXX dollars to complete my course

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC
State: DC

Complaint narrative:
I live in a condo building and every year my mortgage provider XXXX Envoy Mortgage XXXX sends me a letter that says I have to provide evidence of my condo buildings master homeowners insurance policy. The first year I found the letter oddly worded so it was not obvious to me what they needed me to do but now know they need something from my condo association. But this year, the very first letter they sent said they had already purchased coverage on my behalf with little information on why or for how much. When I called the customer service line to try to figure out what was going on I realized it was the usual request for proof of master policy coverage and I explained I did n't understand why I am being sent a threatening letter saying they purchased insurance on my behalf. The woman on the phone kept saying that the letter was CFPB approved but also confirmed this was the first request letter. I told her the letter may be CFPB approved to send at some point but it makes no sense to send me a threatening letter saying they bought coverage on my behalf without even requesting proof of coverage, that I have to request from my condo board. I also said that CFPB likely approved the letter to be sent in specific circumstances and I really doubt that the first request for proof of coverage was XXXX of them. By the end she did seem to get that the aggressively worded letter was not appropriate and said she was going to research this. However, since every year this process is way more difficult and time consuming than it needs to be I would really like someone to confirm that the letters they are sending are approved. I find them not particularly straight-forward with what they need since I also have a personal home owners policy and, most recently, unnecessarily threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: OH

Complaint narrative:
I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC US is, in my opinion, behaving in a discriminatory fashion in refusing to open a checking account for me, a licensed U.S. Attorney. I am an XXXX with extensive business experience in XXXX. In XXXX I visited the HSBC Branch on XXXX XXXX ( XXXX ) and XXXX XXXX with company documents, the necessary identification, and EIN documentation. Thereafter, I was invited for an interview. I spoke about my business accomplishments in XXXX and what I was trying to do -- set up a transcontinental airline. After the two hour interview, I did not receive so much as a letter indicating the status of my application. 
In XXXX XXXX, I decided that I would go to HSBC XXXX XXXX, as I did not want to deal with the unprofessional people at XXXX XXXX Branch. To my surprise, the same lady, XXXX XXXX, was the branch manager there, and said she would get back to me. Bear in mind, this is to open a simple checking account. I provided Certificate of Good Standing as a XXXX, XXXX, XXXX, proof of registration from the state of Maryland, and XXXX Identification Number. After a few weeks, still no answer so I worte to XXXX XXXX, and told her that I thought her treatment of me was highly discriminatory, and that I would take legal action if they do n't get their act together. She referred me to XXXX XXXX, XXXX at HSBC in New York. This time he said that all accounts having to do business with XXXX ar high risk, and that he woud take the pressure of of XXXX XXXX and send it to their compliance department. I reminded XXXX that the United States recently reapproved the XXXX Gowth and XXXX XXXX ( XXXX ), which was designed to encourage trade between XXXX and the XXXX. I also reminded him that the XXXX bank of the United States is providing millions of dollars in credit guarantees to XXXX companies purchasing U.S. manufactured goods, and that the XXXX XXXX XXXX XXXX ( XXXX ) was providing millions of US Dollars in project finance to companies overseas in which an American citizen owned at least 30 % shares. Therefore, I proffered, how could HSBC have such a policy that discriminated against an entire continent of XXXX people, and why have they reduced to address the issue of opening the account by putting something in writing. If find the entire treatment unacceptable, discriminatory, and illegal, and I want the necessary action to be taken against HSBC US.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My American Express Serve Prepaid card has been duplicating charges since XXXX/XXXX/2016. I did n't notice the issue until XXXX/XXXX/2016. I am now in the negatives in my account and American Express has not fixed the issue. I am traveling out of state and to have this issue because of American Express and to not be able to reach anyone with customer service is extremely unprofessional. I want the charges taken off of my account and my original balance restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Express Aviation
State: TX

Complaint narrative:
I attended to XXXX college for six months.. XXXX made me take out a private loan called American student financial group ; direct lending program ... of XXXX, to found out tow months later when the school closed without previous notice, when I did my financial aid that I did n't needed it because I had a Pell grant available ... im filling this complaint because they lied to me ... but only that because it was a fraud ... since I took a loan supposedly I needed to pay my education.. got in debt payed for an 18 months program and I just received 6 months and they closed ... how I 'm going to pay for something I did n't received??? .. I really want this loan to be discharge and continue with a new clean begging after what career point did to us ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. 

They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I took out a {$12000.00} student loan in 1983. I defaulted on the loan and since then my paycheck, income tax and now my Social Security have been garnished. In the past 30 years the loan has been paid three times over but I still have to pay these collection agency fees. For 30 years I have been trying to get on payment plans to stop the garnishments but because the loan is in default, the collection agency would not let me set up my own payments thus the vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA
State: CA

Complaint narrative:
My loan was transferred to MOHELA for servicing several years ago. My balance at the time was around {$81000.00}. I am entering my 12th year of repayment and I still owe {$81000.00}. I have been paying {$250.00} per month for over ten years. When I call MOHELA, they tell me that they only keep two years of records. They say that I have additional accrued interest due to a forbearance we took when my husband had XXXX. My loan was in graduated repayment for thirty years, but their site says my loan wo n't be paid off until I am XXXX, almost 30 more years, so they have changed it to 40 years without notifying me. I can get no information from them on what amount is applied to principal, what they original balance was when the loan was transferred to them, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: PA

Complaint narrative:
calling my home and job making threat s

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management has been repeatedly harrassing my elderly parents who XXXX to collect a credit card debt that I do not recognize and refute. I am XXXX XXXX XXXX and have not lived with them in 22 years. Even after my parents said repeatedly that I do n't live there, the agency continued to call incessantly. The collection agency disclosed the amount of debt and debt history ( which again I do n't recognize ). They threatened to publish my name and parent 's name in the papers. They have filed papers with XXXX XXXX XXXX and told my parents that the XXXX would be coming to collect. It is not a high amount they want XXXX for what they claim was originally a XXXX debt. But, they have made my parents lives miserable. I do n't want to give in to such bullying and I believe they have acted illegally. I want them stopped. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Signed up for the American Express XXXX Card when they had the XXXX points bonus offer. Met the minimum spend of {$3000.00} in 3 months. Received the bonus on XXXX/XXXX/16 and they have taken back the XXXX point bonus on XXXX/XXXX/16, called american express customer support was not given any details as to why they have taken the bonus back only that it was a " point adjustment '' and the representative could not tell me anything more. I have done nothing illegal or immoral using any of my amex cards and can not see why the points are being taken back.

Company response to consumer: Closed with non-monetary relief