vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I was contacted by Trandworld Systems attempting to collect a debt that was being collected by another collections agency. When I was contacted by them the amount they said I owed was more than the original debt. I sent them a letter advising them that the debt was already being collected by another company, provided them proof of the other company collecting the debt, and that they had increased the amount I owed. I asked them to cease attempts on collecting this debt. I have not heard from them since but they have now added the collection to my consumer report and it is now showing in collections on all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I returned from an international assignment to the USA on XXXX/XXXX/16. I applied for a new credit card with American Express and was approved on XXXX. I received my credit on XXXX. I called and activated my card on that same day - the agent stated I could use the card immediately. On the phone, I had the agent document XXXX very important transactions I needed to make. I then logged into the AMEX portal and tested those transactions in their verification tool - both transactions were approved. On XXXX I drove XXXX miles to complete a car purchase, of which a down payment was XXXX of my important transactions. The transaction was denied and when I called the AMEX customer service agent, they said they could n't help me. The next day I was sent a request to get a form notarized that provided my identify. I have sent that in and continually call into AMEX to get my problem resolved, which is still outstanding. At this point, I have to wonder if AMEX is discriminating against me based on my international background and heritage? This situation has become unfathomable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
I had a short sale offer that on a home that was approved on XXXX/XXXX/15 by HSBC. I contacted them for status on XX/XX/XXXX and was told that the short sale was still in the approval process. I received a letter from HSBC dated XX/XX/XXXX stating that the short sale had been approved.Because of this the buyers withdrew their offer. I decided to do a deed in lieu and started the process. Today, I followed up and was told that could not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There is a major issue going on with the Amex Serve card at the moment. People are attempting to withdraw cash from ATM 's, the money is not dispersed but it is still being deducted from their balance. 

For the second time in as many months I am sitting on the phone for hours with foreign based customer support most of whom barely speak XXXX and constantly repeat themselves as if they are reading from a script. I have asked for a supervisor and get hung up multiple times after waiting 10 to 20 additional minutes. Once this latest issue is resolved I WILL NEVER put another dime on this card, you ca n't trust them. This most recent time I attempted to take {$400.00} out of an ATM the bank denied it saying " {$400.00} EXCEEDS CARD CASH WITHDRAWAL LIMIT '' I thought this was strange ( the daily cash withdrawal limit is {$750.00} on the card, but thought the ATM had possibly had a {$400.00} limit ). I immediately tried again for {$300.00}, this time it went through with no problem, or so I thought. Although the ATM never dispersed the money, ( I have the receipts for all transactions and offered multiple times to send a copy or picture of them to American Express, they did not want them ) the {$400.00} BOTH the failed {$400.00} withdrawal and the successful {$300.00} withdrawal were deducted from my balance. I immediately called AE and was told that it would take up to 10 days to even start the dispute process and it could take up to 45 days for it to be completely resolved. I called back the next day and was told that yes, they originally thought it would have to go through the dispute process, but they saw a spike in these calls and realized they had a problem and were correcting them in batches. I was given a support ticket number and was told my money would be back on my account with-in 24 hours, It was not. I called back yet again and was told, once again that I 'd have to go through the dispute process and it would take 10 to 45 days. I 've NEVER had any kind of issue like this with any other bank or card. I 'm moving this weekend for a new job in a new city and that money is needed, NOW! The last time was an issue with XXXX XXXX pre-authorizing the card twice right at XXXX time for {$150.00}, XXXX XXXX bent over backwards trying to resolve the issue with Amex Serve yet to no avail it took a full 10 days for the money to be released from the erroneous hold, even though XXXX XXXX released it immediately. 
That money was almost the entirety of my unemployment benefit for the week, I have no other money. I need that money to move from XXXX to XXXX tomorrow for a job that starts on Monday. 
Here are some links to the post where I 've chatted with other people having the same issues : http : XXXX? XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
i had a credit card with XXXX from when i was in XXXX school. this credit card had fraudulent charges and i disputed them. no resolution was made from this dispute or i wasnt notified. i was unemployed for some extended period of time. XXXX sent the account to a collection agency with a balance for much that i dont owe. i owe for some of it it needs to be investigated and the dispute outcome needs to be showcased to me. the owed amount i would like to have a chance to pay in installments but only for whats owed. i was unemployed and no options were given to me for the balance that wasnt disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller Davis & Peoples
State: MD

Complaint narrative:
A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
As a student at XXXX, specifically XXXX, I was demanded to obtain partial student loans from XXXX and the remaining amount from XXXX. While in school, XXXX staff continuously demanded that I repay the loan while in school or suspended until the balance was current. In addition, although I completed all of the required courses and internships, my certification was withheld and has not been released to this date. Moreover, while at school, I was pulled from class on several occassions to discuss the status of the loan, when it needed to be paid, and what the repercussions would entail if I did not follow through with accurately paying on time. The US Department of Education finally approved my XXXX to repayment and cancelled the federal loans obtained while at XXXX. However, XXXX sold my account to XXXX and XXXX in the midst of CFPB 's law suit. XXXX is reporting the account as adverse, negative, and as a charge off on my credit report and refused to remove the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has turned my debt over to a debt collector in XXXX. This company has called various telephone numbers associated with the account ( including private cell phone numbers and work numbers ), has not identified who they are, but has discussed my debt with those who answer the numbers. They have called me personally claiming to be from American Express and ask for personal information including address, birthdate, and social security number - which I do not give. I have told them I will deal directly with American Express yet my friends, family, and I continue to get phone calls from unknown numbers, representatives who are from XXXX with an XXXX accent, and only identify themselves as being from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: NC

Complaint narrative:
Mailed Midland Credit Management detailed legal requirements for validation of an alleged debt. All they sent back were statement copies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 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:
I received wage garnishment at my employer from XXXX XXXX XXXX collecting alleged debt for Asset Acceptance. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from XXXX XXXX XXXX or Asset Acceptance and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that XXXX XXXX XXXX has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
XXXX XXXX sent me to a third party collections agency when I already paid the debt in full. Not only that, but they failed to send me any letters regarding this OR to call me, even though both my cell and work numbers remained the same. To make matters worse, the original bill was nearly {$7000.00} and I busted my rear to pay all but {$280.00} of that, leaving this small amount to be paid on XXXX/XXXX/16, and they sent me to a third party collections agency for that AFTER I PAID THE BILL! I have requested someone in their billing department supervisory team to call me regarding this error, but I do not anticipate that they will do so, nor do I anticipate that they will learn a lesson until a formal complaint is lodged against them. This is at least the second time I have had a problem with XXXX XXXX 's billing department, and I can not imagine how many others have had similar problems but do not know where to turn to lodge a formal complaint that may change things for the better for all patients.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express changed the terms of agreement without informing me. American express began calling me every day to collect the full amount of debt instead of letting me finance the debt as I have with Amex for YEARS. Every day they ask for the full amount. When I tried explaining to them they advertise that I can finance the debt they stated that the calls will not stop until they get paid in full. They are now paid in full but they have mistreated me as a customer. American express refused to work with me even though there is no policy stating I had to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC has my loan as transferred, not paid off. A Check was used to pay this account off in full. It also reflects my last late payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. 

During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. 

I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. 

On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. 

On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. 

On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. 

It has been over 60 days since my first complaint was filed. 

The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. 

I am having a lot of trouble resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied an American Express Platinum Credit card, during the promotion of XXXX for {$3000.00} purchase in 3 months. I spent more than XXXX and got the XXXX, However, I found AMX took it aways on XXXX/XXXX/2016 and nobody can help me. The customer service gave me a XXXX number but again nobody knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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:
Last month I sent Midland a validation request, to either substantiate a questionable account they had reported to my credit report or delete the account from the credit report. 
They have failed to do neither, thereby violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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: FL

Complaint narrative:
we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This account is showing its been closed but midland is garnishing my check (

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XXXX XXXX, 2015 I booked a hotel reservation on XXXX for the XXXX Hotel. The reservation clearly stated the cancellation policy was as follows " cancellations or changes made after XXXX ( mountain daylight time XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 or no-shows are subject to a hotel fee equal to the first night 's rate plus tax and fees. ". I received an email confirming this booking and this policy. After our travel plans changed, on XXXX XXXX, 2015 I went back on XXXX and cancelled the reservation. At that time I received an email from XXXX confirming the cancellation stating the following : " You have cancelled with full refund of deposit by hotel. If you have been charged a deposit or partial payments, you will be issued a refund by XXXX XXXX XXXX ''. On XXXX XXXX, 2015 I received a " Large Purchase Alert '' from American Express in the amount of $ XXXX from XXXX XXXX I called XXXX and informed them I cancelled the reservation. They informed me since the booking was made through XXXX I would have to contract them. I called XXXX and spent 3 hours on the phone with them. Despite clear emails stating the contrary they stated they unfortunately the reservation was non-refundable and there was nothing they could do. I also called American Express and explained the situation and they have said since the transaction was with XXXX and XXXX views the reservation as non-refundable there is nothing they can do to help me. American Express recommended I contact a " 3rd party '' for help. At this point neither XXXX or XXXX are taking responsibility and despite all my time and effort I have been charged the full $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX, at XXXX XXXX., I received a phone call from ( XXXX ) XXXX from someone identifying himself as a representative of Midland Credit Management or Midland Funding. The call lasted 4 minutes, during which he verified my personal information and asked me to verify a debt. I told him I was not sure what he was referring to. He also asked if he was contacting me on my cell phone, and I told him yes. He asked if he had permission to continue contacting me on my cell phone. I told him no. I received the following calls at the following times : XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX., XXXX XXXX, XXXX - 1 call - XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 1 call - XXXX XXXX. 

According to my phone records, they have attempted to contact me 19 times on after that initial phone call on XXXX XXXX, XXXX, during which I told them they did not have my permission to call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Funding has not provided validation that is competent and bears my signature showing that I have or ever had a contractual obligation to pay for the debt that I am being accused of creating.

Company response to consumer: Closed with explanation