vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 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: FL

Complaint narrative:
I have send numerous letters requesting verification of the debt I have in question. They have not provide any information regarding the debt. They also change the open date of the debt to more current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Have been receiving numerous calls from this number as a " final attempt to collect a debt '' before going to court. I finally spoke to one of the callers and they told me what the debt was from - a company I 've never heard of or done business with - and as soon as I mentioned wanting to have my attorney follow up with them they back stepped and said they could take care of it internally and close the file. I insisted that I was happy to have someone look in to it and they insisted I would n't need to worry about it. They called me today again after about a week and the voicemail message is the same as it was before, final attempt to collect a debt. I called back and got their alleged legal department 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report on XXXX. The following account was added to my credit file with XXXX HSBC XXXX XXXX, CA XXXXThe debt collector falsely reported their name. 

Section 807. False or misleading representations [ 15 USC 1692e ] ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The name and address is registered to XXXX a debt buyer. The debt collector claims to be collecting a debt from HSBC. They are not HSBC. 

The debt collector added this account to my credit report on XX/XX/XXXX without sending a written notice. To date, I still have not received a written notice, although the debt collector has verified all attempts to dispute with XXXX. 

Section 1692g of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. Failure to send a 1692g notice, is a violation of the FDCPAThis complaint is for record only as I would like the XXXX, CFPB, FTC and State Attorney General to be aware of this debt buyer and their illegal business practices. They are previously XXXX XXXX and XXXX XXXX. The registered agent is XXXX XXXX. They now go by XXXX XXXX XXXX XXXX, the registered agent is again, XXXX XXXX. Same physical address. 

The debt buyer has violated several FDCPA and FCRA laws : No written noticeFails to identify as debt collectorCollects unauthorized fees, interest, or expensesMisrepresent debt character, amount or statusFalsely threatens illegal or unintended act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld union called a Client of mine. They were representing the XXXX fire department and referenced my clients office address which did not make since. See message below : We received a call on our Main Line looking for you, it was someone representing the City of XXXX XXXX and they are trying to set up a Fire and Health Inspection ... she did n't have/was n't willing to give me much more detail.. and when i asked what property she was referring to, she said / Street, so I was all sorts of confused given that is our office, and not in XXXX XXXX XXXX County . 

Would you mind calling them back? She did say she had left you a message on your cell ... Number below. 

Thank you! 


XXXX This is the same number that calls my work line and saying : this is XXXX XXXX with Transworld union please call me using the reference number This was embarrassing in all shapes and forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I requested paperless billing for a Capital One card account. Not only did the account go paperless, but it became " contact-less '' and " notification-less ''. In fact, the communication just went " dark '' ( no communication ). It only " lit '' back up once I realized I missed a payment by over 30 days. This, of course, created a late payment note on my credit report and trashed my credit score. 
As a XXXX, I have worked extremely hard to do all I can to support my credit score. This is a huge setback. Additionally, the credit reporting/score system makes no distinction between missed payments ( due to being a deadbeat ) and missed payments caused by a logistical issue. Basically I appear to be a deadbeat to lenders. 
Yes, I am responsible for the payment of the account. There was no history ( until this logistical issue - " darkness '' ) where the account was paid late. The account is, once again, paid on a timely basis. I do n't feel like I should be penalized for the lack of contact by Capital One. 
I, immediately, reactivated paper statements. I, immediately, verified Capital One had my correct phone & e-mail contact info ( which they did ). 
I had also requested paperless statements for several other credit card accounts ( including a Menard 's Big Card - serviced by Capital One ). All other accounts continued contacting me via ( automatic ) e-mail message alerts including " payment due '' and " statement available ''. Why was Capital One allowed to risk my credit score by failing to contact me regarding payments due and statements available??? 
In my opinion, Capital One failed me. We spent XXXX ( if not XXXX ) of US tax dollars to create the CFPB. I hate that spending, however, I hate having my credit score, innocently, attacked even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for XXXX American Express cards - a regular XXXX card, and a XXXX XXXX card. Each of these cards offers a bonus if you refer someone using your account - the regular XXXX card offered XXXX points per signup, and the XXXX XXXX card offered XXXX per signup. I was able to get XXXX people to sign up, XXXX for the regular XXXX at XXXX points ( XXXX total ) and XXXX for the XXXX XXXX at XXXX points ( XXXX total ). However, none of the points ever posted, and I 've been complaining and exhausting all options and yet I still can not get anyone at American Express to help me - they just state that the people who did n't sign up did n't use my link. Mind you that I literally stood over some of them while they used my link, and all XXXX will vouch that they did use my link, and I have proof that my links were sent to these people through the American Express website. I 've gotten nowhere with American Express and believe they have a system glitch and are just trying to weasle out of paying me my XXXX points owed. Also, there are multiple people online who had the same issues with these XXXX specific XXXX cards. Where can I go from here to make American Express follow through?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MOHELA
State: OH

Complaint narrative:
Approximately XXXX XXXX, 2015, Mohela started robo-calling our home. My husband, XXXX, answered and was told he had a student loan debt. We are XXXX senior citizens and neither of us ever took out a loan to pay for school. The person representing Mohela would n't give him any information regarding the " XXXX '' they were looking for, but wanted my husband 's last XXXX digits of his social security number and his date of birth, which he refused to tell them. The robo-calls continued, so I looked up Mohela 's website XXXX www.mohela.com XXXX and XXXX called the phone number listed there ( XXXX ). He was told the " XXXX '' they wanted had a different middle initial than his and that the calls would stop. They still call XXXX a day. Thank you for your consideration of our problem. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I attempted a purchase with a merchant for XXXX. The merchant denied my purchase because there were XXXX numbers in the CVV instead of XXXX. The merchant attempted to run the payment XXXX times which put a hold on my account for a total of XXXX. I called the institution ( Amex Serve ) and was told it would be 8 days unless I contacted the merchant and had them get ahold of them to authorize a release. Well I then made a conference call with the merchant and Amex. I was told that because they spoke to the merchant that my funds would be released within 48 hours. Well the 2 days passed, and my money was not released. I called Amex back, and was told that that was not the case. I was told that the tech I had previously talked to lied to me and that no matter what it would be 8 days no matter what. I asked them why I had been told so many different things by so many different techs, and they could n't give me a straightforward answer. Friday will be the XXXX day, and now I fear that my funds still wo n't be released at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Received 3 phone calls from ( XXXX ) XXXX. I called to find out why they keep calling me. They ask my name, ask to verify my address and ask to verify the last XXXX of my social. Then they tell me I owe them {$12000.00} for an auto loan in the late XX/XX/1990 that they purchased the debt for. I tell them I never made an auto purchase in the late XX/XX/1990 and that this is fraud. They tell me they will close out the account and I do not owe them and thank me for my time. I told the lady I would be reporting them for fraud. So she starts to argue with me and then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation
State: TX

Complaint narrative:
I was a student at the XXXX in XXXX Texas I was affected by the sudden closure of the school that took place on XX/XX/2016. I was a new student my start date was XX/XX/2016 I was in my words " conned '' into signing a private school loan for the total of {$14000.00} with a XXXX % interest rate from a private loan company ASFG ( American Student Financial Group ) also known as XXXX of XXXX. I have been in contact with several women at the ASFG office XXXX on trying to have this loan cleared as I feel they have breached the contract but keep getting no answers and only being told I have to repay all the money and interest. I was only in school for XXXX weeks which was a total of XXXX school days I received nothing at all from XXXX of XXXX. I did not get to finish my first term due to the school closure. There for I was told I did not get any credit for my time nor did I qualify for transcripts due to not finishing my first term so I get no credit and no transcripts. I am being left with nothing but this loan I feel as if I am being robbed I have nothing to show for this loan but tears and stress this can not be okay. I am now receiving debt warning letters from a company named XXXX ( XXXX ) stating I am defaulting my loan obligations and need to repay this loan and interest. I made a total for XXXX payments when I was an active student the first was for {$100.00} and the second was for {$150.00} I have receipts and all fitting documents of my time of enrollment the ASFG company continues to tell me that this is my problem and obligation. I am reaching out for help or some guidance on what I can do to help clear this loan this can not be okay please help me. 
Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2015, Im received a cancellation email from American Express. After, receiving the email i called customer services, and then got transfer to a credit special in another department. Im ask them why my account were cancel, since i was making payment on time and my credit score and financial affairs are all good status. Agent said because my credit fall to XXXX on XXXX XXXX. Im explain to them that right at the moment i have a credit score of XXXX and do n't understand why they took this decision. Then the specially mention inquiries I 'm have done with other banks, and Im said I 'm have apply to other credit cards company during the last past days since my income have got up. Then the customer services he will take in to consideration and will give a decision within 90 days. I called today, and i spoke to another American Express agent and he said I 'm was denied. 

Im feel I 'm was discriminated and rejected for making payment on time and having a good credit score. Im have almost XXXX rewards point in less than 3 months and I 'm were trying to be the best customer and then for not reason at all they closed my account. I 'm believe I 'm lost about {$500.00} worth of reward points. Im strongly believe this is unfair and discriminatory and wonder how can you help me take this in to the next level, because what they just did it just unfair under bill of rights. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had a Prepaid American Express SERVE Card which was originally for a mobile wallet. I have n't used it in a year and in XXXX received an e-mail my balance was {$0.00}. and fee could n't be taken in full. I was unaware of any fee. I check and there was a lot of fraud transactions between my XXXX XXXX, XXXX statement and the XXXX/XXXX/XXXX statement. The balance had been around $ XXXX. I called and explained every transaction was fraud. He offered {$9.00}. back out of my {$57.00}. After many reps and their fraud dept. they started giving me credits well above my original balance. I tried to explain it was too much and just wanted my original balance back. I closed the acct and they refunded the high amount of {$85.00}. Now I get an email saying I have a negative balance, so I call and they want {$79.00} back. So now that leaves me {$5.00} credit from my original {$57.00}. 
I ca n't access online statements anymore and their customer service claims they have no access to anything before XXXX/XXXX/XXXX, so they ca n't see my XXXX/XXXX/XXXX balance and ca n't refund me any money. So basically they refuse to do anything. 
If you go read their Serve XXXX page many people have similar issues and there are many online forums with frustrated customers who ca n't get refunds. I 'm attaching my letter to them which has gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
Sent a transmittal letter saying a account has been placed with agency for collection. I am a XXXX year old women and spent most of my time XXXX. It is not possible for me to have a debt of {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
My mortgage with HSBC was sold to XXXX and HSBC has reported that I have balances for defered interest and lender advances which I am not aware of. XXXX has said I have contact HSBC now HSBC is saying they sent all the info to XXXX. All want is a detailed in simple language who HSBC paid dates and amounts so I can check my bank records, because I pay Taxes and insurance myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, transworld systems incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I Never received the ORIGINAL Toll Bill of {$11.00} since the Address is INCORRECT. My Address is XXXX XXXX XXXX, NY XXXX NOT " XXXX XXXX '' as shown on the Collector 's Bill. The Original Bill never got to me. I should not pay this Debt Collection Bill since I never even received the Regular Bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: OR

Complaint narrative:
Signed up with XXXX to check my credit situation. Recently learned I am a victim of Identity theft. My phone began to ring continuously the following day to the point of complete harassment. 
I can not dispute the bill on XXXX for some reason. I would like proof of the validity of this bill. Midland funding company seems to operate on the premise of bullying tactics not facts. I would appreciate any information that can be obtained such as mailing address, Purchases made etc. so that I can proceed with criminal charges to be made against those involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I am a victim of identity theft and someone stole my personal information and used my personal information and identity to open an unauthorized and fraudulent credit card account with XXXX. I have never applied for a credit card with XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midland Funding LLC representatives in regards to the credit card account and the debt on the account. The credit card account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: ID

Complaint narrative:
Midland XXXX al has a standard practice of not investigating disputes properly via account level documentation and Sellers often Disclaim documentation as evidenced by C.F.P.B. Consent Order XXXX. 

I disputed the below account more than once and to date am discovering ongoing reporting which I disputed and to date Midland has not properly investigated. Midland also reports my disputes as not timely, also a common fraudulent statement used by MCM. Please have them remove these inaccurate/not properly investigated accounts from all XXXX credit reporting bureaus. 
Midland Funding LLC acct # XXXX ... XXXX/XXXX/13 {$1100.00}

Company response to consumer: Closed with explanation