vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
A woman called me on a blocked number. She told me she worked with XXXX and asked if I was who she was calling. She asked if I got a letter in the mail and tried verifying my address. I asked what company she was calling from and she said bennick and rainey. After she continued to ask questions and I asked what kind of company it was and she told me she worked with urgent care. After I refused to answer questions she told me she was a debt collector and any information obtained would be used to collect a debt. After I told her the urgent care billed my insurance wrong she asked for my insurance information and I would n't give t and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express and Delta Skymiles Program sent me an invitation to apply for their card and as a bonus offered XXXX skymiles after a {$1000.00} spend. I applied, got approved and spent a {$1000.00} with 2 months. 

Now, Amex is refusing to post the miles on the pretext that i was a member in XXXX and got the miles. 

If Amex had my SSN # and prior card membership, why was I sent the invitation again? 

This is a BAIT and they are defrauding consumers. 

I called XXXX and spoke to Supevisor XXXX, at XXXX EST on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A debt I 've already paid is on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.

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 2017-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am an American Express XXXX Card customer. I have been since approximately 2004. Until last week, for the proceeding 13 years, I was able to mark, investigate, and/or challenge questionable charges via the American Express XXXX Card customer portal. Without explanation, last week, American Express revoked my access to do so. I would like that access restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I authorized one payment to XXXX XXXX for one court appearance and then fired him but on XXXX XXXX, 2015 this person tried to get more money out of me than the original {$500.00} I authorized. He tried to get {$1000.00} first from my American Express card and when that failed he received an additional {$500.00} from American Express without my permission or authorization. Then he asked me to withdraw my dispute in American Express so he could remove the charge. He sent me some emails saying it was a misunderstanding and that he was not cheating me on the money but he is apparently. I will not pay the additional {$500.00} he charged to my account on XXXX XXXX but will just terminate the card if necessary as I did not authorize he do this. He called me around that time, a day or so before he did it asking me if I had any other credit cards and I said I did not have any other cards to give him. I think this was a deceitful illegal act on this man 's part XXXX XXXX to do that as I never authorized him to ask for an additional {$1000.00} on my credit card or another {$500.00} which he tried to get when they would not give him the {$500.00} and I want that additional {$500.00} removed from American Express who never asked me if I authorized it. I know some banks call you when it is a large amount before they pay it asking if you did this with your permission or authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
I submitted a complaint against this lender. I am NOT in default of the loan. My due date is not until Friday XXXX. I am getting harassing emails stating that I am in default as my " last payment '' was not able to be processed. This is untrue. My last payment was XXXX and has cleared my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 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: CA

Complaint narrative:
After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. 

However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. 

It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. 

The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
My account with American Express Serve has been locked and is " going to be closed ''. I called to inquire on the issue and they say that one of the transfers made to my account was fraudulent, I ask why they will be closing the account because one transfer was reported as fraudulent and they just say " because of our terms of service '', so I go on and ask how they will be returning my remaining funds to me and they say that all of my funds will be returned where they came from. My account was funded by account transfers from other people and they want to return the funds to those accounts even if they where NOT fraudulent in nature. The account transfers where made as payment to me and none of them where fraudulent in nature to my knowledge, even if one where they are saying that ALL of them will be returned even ones that are not reported as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Asset Acceptance debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged XXXX XXXX XXXX credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

Asset insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from Asset Acceptance, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive Asset Acceptance phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Welcome bonus was XXXX % APR for first XXXX months. AMEX did not put that offer on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX XXXX showing up on my equifax report and has been paid off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
i paid on XXXX XXXX 2016 and have letter showing it paid hsbc card services. now they are trying to sue me agin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: GCFS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft but did n't know it until I receive a notice of garnishment from a company named Greater California Financial Services ( GCFS ). I called multiple times advising that i was a victim of identity theft but it lead no where. I recently provided a copy of a police report and an FTC identity theft form to GCFS but was advised by account representative XXXX on XX/XX/2017 that even though they received my dispute documents they were not going to do anything with them, only to note the account. I was advised by XXXX that they would only accept the police report if it stated who committed the identity theft and that they were caught. I tried explaining that as the victim I have no idea who that would be and that would be a police matter. I asked XXXX how is it possible that I have to solve the crime of identity theft for GFCS to take my dispute seriously. XXXX stated not his problem. I advised XXXX that under the FDCPA guidelines and the CFPB, my dispute would have to be responded upon. XXXX stated he does n't agree with the CFPB regulations and that they change heads all the time and GCFS has been here for 10 years and will not be going anywhere. It became apparent to me that GCFS does n't care to follow any dispute regulations. XXXX at one point stated that a default judgment is proof enough for them and the burden of proof is now on me even though I provided a police report with an FTC identity theft form. XXXX even stated I should hire an attorney and make GCFS pay many court fees which I found his sarcasm disheartening. I advised XXXX that I would be filing a regulatory complaint to which he stated go ahead.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: SC

Complaint narrative:
Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX 2016 I received a letter from American Express ( Amex ) indicating that beginning XXXX XXXX, 2016 the APR % rate would rise to 14.49 % for purchases going forward. I called the XXXX number listed on the letter to ask whether the increase would be to the Fed Gov't raising the interest rates and I was advised yes and I also asked if I would be able to negotiate the APR % at that time and I was further advised yes. I thought no more of it until XX/XX/XXXX when I received my statement to indicate the increase in the APR % rate and again I called the XXXX number and spoke to XXXX women in XXXX who were XXXX very rude and was advised I should seek " credit counseling and I would not be able to negotiate the APR % rate at that time ''. I then wrote to Senator XXXX in XXXX indicating my story and my phone calls and asking for his help. I did in turn copy Amex as well as XXXX XXXX of the Fed Reserve in XXXX, XXXX Just today I had another conversation with XXXX a supervisor in the XXXX I.D . # XXXX indicating that he would not negotiate with me at this time. I then asked if in the future I would be able to negotiate the interest rate and he further advised " no ''. Disgusted yes, most definitely because earlier in the day I spoke to an XXXX again in XXXX ( I did not get an ID # ) and he indicated he would give me XX/XX/XXXX APR % of {$54.00} as a credit. XXXX indicated that there WERE NO NOTES ON THIS CONVERSATION I HAD WITH XXXX THIS AM.!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a debt validation to the collection company ( Midland Funding ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company added interest on the account {$280.00}. The original balance of the charge off was {$750.00} and the company is stating that I owe {$1000.00}. I called the company ( MIdland Funding ) and asked why is there interested added to the account after the charge-off and asked for a signed agreement from the original debt collector. I was told that the interested was add in XXXX with no reason to why it was added and that they had no signed agreement even stating that the account belongs to me. There is no proof of the company being able to add interest or even if the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I made a settlement arrangement with American Express for 24 monthly payments. I have been making these payments via phone for 12 months. I have asked repeatedly for the people I deal with ( American Express Global Collections ) to send me written confirmation of my payments and they refuse. When I press the matter, they hang up on me. When I call the general American Express customer service number, they refer me back to the American Express Global Collections number. I am getting nervous about paying such a large sum without written confirmation. I have no idea who these people are or if they are indeed working for American Express. And I have no idea if once I complete my payments, American Express will consider my debt settled. It is all very vague and sketchy, and I ca n't understand why I ca n't be sent written confirmation of my regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2014 I went to a XXXX club in XXXX XXXX named XXXX. I do not remember most of the evening and believe I was drugged. My debit card and XXXX XXXX flagged transactions as suspicious from the establishment but American Express accepted {$9300.00} in charges from XXXX that evening. My monthly closing date for the month was XXXX XXXX and my statement showed a balance of {$30000.00} for a card with a credit limit of {$21000.00}. 

I contacted AMEX and disputed the charges and filed a police report online with the XXXX XXXX Police Dept. A coworker was with me that evening and says he pulled me out before most of the charges were applied to my card and timestamped e-mails from the night support this claim. XXXX AMEX says the establishment sent evidence that I am responsible for the charges but they refuse to send that to me. I asked for itemized details of what I was charged for and this was not provided. I was only given some, not all, of the receipts requested from the night in question. AMEX told me they would do nothing else until they receive a copy of a police report but no action appears to have been taken by the police from the police report I filed. I wrote them in writing to inform them of the dispute within the 60 day limit and again after their response within 10 days indicating I was refusing to pay as detailed in the membership agreement. 

I am suspicious that AMEX may be violating the law by permitting an unreasonably excessive amount of charges over my credit limit ( my limit was lowered from {$25000.00} to {$21000.00} a year or two before this incident ), by not providing evidence that I could have agreed of the transactions or any details as to what those transactions could have corresponded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding LLC has been trying to collect a debt they say I owe from another company they bought the debt from. Problem is that I do not know the company and have told them I do not owe this debt. They would call my house about XXXX times a day, and kept harassing me about this debt. when I asked for proof that of the original amount, they kept insisting they sent this to me, which I never received. My husbands Aunt has the same first and last name as I do, and is in the process of filing Bankrupt. I do not owe this company and now they are trying to take a legal judgment against me. Sick of harassing calls from a company, I owe nothing too. Sick of this company trying to sue me for money I do not owe. If they purchased this debt why would n't they make sure they have the right person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Mortgage fraud - appraisal fraud - responses that are lies and CFPB that does absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC after foreclosing a loan in XXXX and sold the property for more than the mortgage amount, they recently updated my XXXX credit report and placed a new foreclosure for XXXX in my credit report to destroy my credit for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I received a call from a XXXX XXXX XXXX today stating that he was going to sure me unless I paid an account for an HSBC account. I informed him tat this account as included in a bankruptcy and requested that he quit calling me. He stated that he would not only call me but initiate legal action as well. Im recovering from XXXX and really cant handle these calls. He was very rude and refused to write down the case number or my attorneys contact information. He called my husband yesterday as well and threatened him too for my debt!

Company response to consumer: Closed with explanation