vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I had fraud committed on my XXXX credit card account by my ex-wife. Charged over {$2000.00} by my ex-wife unbeknownst to me. I found out about these charges when I was refinancing on my house and the mortgage company went through my credit history. XXXX Company 's excuse was that my ex-wife opened the card when we were still married and decided to use the card after the divorce and I have the deeper pocket so I am responsible for the charges. There is no voice authorization said I accepted my ex-wife into my account let alone no written authorization. XXXX kept saying that because I was once married to her that I am responsible, and if I wanted to cancel her account or even my account so I do not do any more business with the XXXX ; I have to sign admitting that it 's my fault which is not! The company knows I am trying to keep my credit rating up so they are going after me even though it 's my ex-wife who charged all the money! I am the victim of fraud, and I advise everybody to not have this happened to them especially when you go through a divorce. Do not let this happened to you! Especially with XXXX Co. they are the worse customer service to deal with in fraud especially when you are the ACTUAL victim!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Statue of limitations expired in 2011 with original creditor. Sold to another creditor - reporting on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Hello, through my reports, I 've come to learn that there is currently a name that is being reported to all XXXX credit agencies which is incorrect. The source is American Express. For background into this issue : My true legal name is XXXX characters long " XXXX '', however AMEX reports my name is " XXXX ''. I have contacted American Express to fix this issue, and their response in writing has always been " Unfortunately due to system constraints, we have updated your first name as this, because it can not exceed more then XXXX characters. '' This is problematic for me because " XXXX '' is a legitimate name and not an abbreviation for " XXXX ''. This is misleading and to me is quite comical that AMEX would be operating a " system '' that can not properly communicate someones name to agencies as important as our countries credit agencies. Also I should note that NO other credit card company ( and I have many ) have this problem! 

I believe that AMEX needs to be pushed to comply with operating a fair system that can handle more then XXXX characters, and be forced to not report the incorrect name to agencies. 

Thank you for your time, and I am looking forward to a response and resolution to this matter, which certainly affects many XXXX citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I do n't know what this debt is. I am a XXXX veteran with VA insurance. This debt has caused my credit rating to be lowered to XXXX. I can only assume this is some kind of XXXX visit to a private hospital and they did n't submit this claim to the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I am filing this complaint about American Express ' policy of raising interest rates on XXXX its consumer and business cards to a usurious XXXX per cent level when the customer falls even slightly behind on payments There is no warning or effort to communicate with the business owner or individual consumer before a peremptory raising of these rates .I can accept and even understand charging XXXX per cent or XXXX per cent which is within the prescribed range above prime when cardholders are in arrears. XXXX or XXXX per cent are rates charged by loan sharks or people who break arms to enforce payment terms .When I called Amex a month ago to raise XXXX about the XXXX per cent our business was being charged and asked for a refund based on retroactive lowering of the rate back several months it only agreed to lower the rate going forward .This tells me that they are engaged in outright XXXX knowing thatthe average business or consumer will not challenge it The rate has been raised to the same level for my daughter on her individual card We are demanding ( not requesting ) that American Express lower her rate and refund XXXX the business card and her card the excessive interest charges .My wife is a plaintiffs attorney as is my son in law and you can communicate to AMEX that we are prepared to enlist others in a class action suit if it does not honor our demand within the next 45 days We are gratified that the CPFB has been taking such aggressive action against these credit card XXXX as I read recently in a XXXX Magazine article Thank you XXXX and XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld Systems is now servicing my defaulted student loans. They called me and I informed them to stop calling me about the matter. They acknowledged the request and said they would stop calling me. They stopped calling me for a couple days then began to harass me with calls again. I, again, called them back and asked them to stop calling me about the matter. They have not stopped harassing me after acknowledging the request twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX bank sold my accout to midland credit management. I called them to make arrangements to pay, they stated I had to call back in a week.I called again and was told they could not give me any information at that time.They finally called me a week later and when I refused to give out my bank information I was told they would get an attorney.They also wanted to send all correspondence via email, I refused that as well and again I was threatened with them getting an attorney.I never refused to pay.They called me non stop.I then told them I had mailed a validation letter and once again they wanted to send it via email, when I stated I wanted it in writing via regular mail the again threatened to contact attorney in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express card was issued since XXXX through XXXX with no annual fee. Account converted to XXXX XXXX American Express card and no fee was charged at conversion. XXXX XXXX annual fee of {$95.00} charged but statement was put in incorrect XXXX. Called American Express the moment it arrived in XXXX. I asked that the potential to cancel/have refund of annual fee be considered. Was told it was escalated and to call back in XXXX7 days. Called back on XXXX/XXXX/XXXX and was told no annual fee was ever waived. Asked to cancel the card/pay remaining balance and have fee refunded. Was transferred to another area offering {$25.00} off. Asked to cancel card/pay remaining balance and was transferred multiple times and then was lost in the number punching. I did not ever request the conversion to XXXX XXXX, have never paid bill late or not in full, have excellent credit and would like the {$95.00} credited. Have ceased usage of the card. Will pay remaining balance minus {$95.00} and hope to have situation resolved. Not understanding why i should have to call back in multiple times vs. American Express reaching out to me. Could not answer my inquiries of when there was any advance communication of the fee to be charged. Have spent & gt ; 45 minutes on phone attempting to resolve a card that is used & lt ; $ 400 monthly and have not flown XXXX XXXX in years ( nor chose this conversion ). While some customer service representatives appeared to want to assist, appeared their hands were tied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 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: CA

Complaint narrative:
Midland Funding LLC notes acct # XXXX as a debt owed by me for {$820.00}. I have sent two certified mails requesting validation of debt ( XXXX/XXXX/16 and XXXX/XXXX/16 ) bearing my signature but Midland Funding simply replied as debt is owed by me. Midland Funding has failed to provide validation of debt and I have requested numerous times for the derogatory marks to be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Erroneous fees being charged to my account of {$7000.00} on XXXX XXXX 2007. Claims made that the amount covers interest and fees associated with late payments form XXXX XXXX 2007 to XXXX XXXX 2007. This does not add up. 
Any late payments came from the misallocation of funds on their part and not mine. 
Often with HSBC my payments would not be applied to my mortgage and put in holding account. 
I should not have charged the amount in question. The amount is showing up as Deferred Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I keep receiving notices from Transworld Systems that I owe XXXX XXXX {$45.00}. I have called and sent payments, but they keep billing me. I think I 've paid bills I did n't actually owe just to get them to stop. Each one is about 2 months apart. I have n't even been to XXXX since XXXX 2016! My bank shows {$45.00} sent to XXXX XXXX on XXXX XXXX, 2016. Today I got another bill for another {$45.00} from Transworld. This has shown up on my credit report. Every bill has a different account number and frequently a different mail-to address. I want this stopped. XXXX XXXX is a good company, but their billing practices are not. I do n't get bills from them. I just get late notices. And they do n't answer their own information lines. Neither does Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
My card was charged for a total of XXXX dollars which i did n't authorize. American express didnt srefund my money ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF ''. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY ''. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express makes it so difficult to file a warranty claim now. I filed a claim for a {$21.00} wrist watch that was damaged and per their warranty policy they replace any damaged item within 30 days. They required me to fill out an exhaustive amount of forms and also requested information that is no business of theirs like my home owners insurance policy number. I have been a loyal customer for more years than I can count. No more. I believe they are unfair and deceptive in their descriptions of benefits to card holders. Please investigate the for fraud and unfair and deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently applied for and was approved for a Citi card after being bombarded with numerous mailings offering 0 % on purchases and balance transfers. I decided to transfer {$9000.00} from another card to take advantage of the 0 % interest rate. Well I just looked at my statement and see that Citi is charging me {$270.00} as a transfer fee. This is completely misleading and I feel as if I 've been misled. {$270.00} is alot of money for someone that is trying to reduce debt and paying for school. On my XXXX credit report I see that Citi has XXXX HARD inquires. They are on XX/XX/2016 and XX/XX/2016. I only applied for XXXX credit card so I fail to see why I have XXXX HARD inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the XXXX major credit reporting agencies every month. XXXX XXXX XXXX. should no longer be reporting anything to my credit bureau after seven years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have repeatedly requested that MIdland Fuding provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 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: PA

Complaint narrative:
I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off in XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account in XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from midland credit management stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXX company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 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: MD

Complaint narrative:
Midland funding has XXXX accounts on my credit reports and they constantly update these accounts as if they are valid and new every month they re-age these accounts I 've tried many times to dispute and delete to no avail. I 'm trying to buy a home and these are not valid or current items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? 

Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. 

Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 
780 % {$3300.00} {$500.00} {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I was served a lawsuit from Midland Funding. When I received the lawsuit, I observed that Midland Funding is suing me for an account stated, attached is the lawsuit with its exhibits. Midland included an alleged copy of a statement that does not show any charges nor any calculations regarding how those costs accumulated. I never had an account stated with Midland Funding nor anyone else. On XXXX/XXXX/XXXX, I mailed Midland a debt validation letter requesting all the account statements showing the purchases that culminated in the amount allegedly owed, credit card agreement with interest rates, all the interim and yearly disclosures from the credit card company, etc.in order to calculate the alleged amount owed, debt validation letter is attached. I also filed a Motion for Enlargement of Time and a Notice of Dispute in the state court. I faxed a copy of the debt validation letter to CFPB on XXXX/XXXX/XXXX, which is also attached. I had to attend a pre-trial conference on XXXX/XXXX/XXXX for this lawsuit. When I arrived, with a friend, there was NO JUDGE!!! I spoke to Midland 's attorney and they said I had to go to mediation in two months ' times and I told them that the debt had not been validated, docket is attached. I received a letter from Midland dated XXXX/XXXX/XXXX wherein they attach the same statement and exhibits attached in the state complaint. There are no statements that show what was purchased nor how the amount and interest rate was calculated. There has been no debt validation and Midland is trying to circumvent the Consent Order it has with the CFPB. Midland is abusive and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: CO

Complaint narrative:
I made two on time full payments to my loan servicing company Mohela and all of the payment was applied to interest, there was no late payment or any other fee 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.

Company response to consumer: Closed with non-monetary relief