vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This is a debt that is over 6 years and XXXX XXXX XXXX is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My credit is report is showing an open account under the name of Midland and is falsely and illegally reporting itself as a credit account. Midland is a collection agency and can not be reporting as a factoring company and report in type as open. I have filed disputes with all XXXX Credit Reporting Agencies and all claim to have verified the account as belonging to me. I have sent Certified Letter to Midland requesting they provide me with all documents they provided to verify this debt and have not responded. I do not recall this account nor have I ever opened an account with Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This acct had been investigation by XXXX and removed it under XXXX. XXXX XXXX 2014. I would it removed as soon as possible. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I just was made aware of the CFPB 's Consent Order against XXXX ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by XXXX in the amount of {$3600.00}. XXXX did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by XXXX along with my XXXX credit report showing negative action from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear American Express, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. 
They refuse to refund my money when I called to complain. 
This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
there is a electric bill in my name from XXXX energy that I disputed years ago. they said I owed XXXX and I never believed that I owed that much. years later I receive a letter in the mail XX/XX/2017 stating that I now owe on the same bill XXXX which is ridiculous. I do not agree with paying this large amount. especially when the beginning was only XXXX which I felt I did n't owe that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 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: OK

Complaint narrative:
I have repeatedly told this company this does not belong to me..Midland is the company and XXXX XXXX is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Continues to call my work. I 've been told by XXXX different representatives that they have removed my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed these collections several times with XXXX, XXXX and Transunion and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.

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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
spent one hour just now trying to dispute something and make a payment. while american express bills me for interest i was promised would not be, and which i will be unable to pay based on that. they wasted 70 minutes of my time with XXXX calls either answered with extremely limtied XXXX or transferred me to business.. sometimes you call you get business card sometimes you do not its random and its annoying. wastes my time so i still need to dispute XXXX dollar XXXX and get interest refunded and make a payment. in light of my time wasted today and being hung up on 2 times early am today i want my itnerest refunded was i was promised last year. To bill me for charges stemming from vandalism to my home is in poor taste. esp with what i endured now and have in the past. XXXX calls this am. and i was hung up on twice and transferred all over teh world i want interest refunded and XXXX dollars back from XXXX. period

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I had a credit balance on my AMEX card for almost {$3900.00}. On XXXX/XXXX/2016, I submitted a request for a refund of the credit balance. The amount was deducted from my account and told me to expect a check. Several weeks later, I still had not received a check. On On XXXX/XXXX/16, I called phone # on back of AMEX card. Spoke with XXXX, emp number XXXX. This person said the check had been mailed to my work address ( I never received it at my workplace, and the work address was not the AMEX address of record ). I was told that AMEX would issue new check to be sent to the address of record on XXXX XXXX, XXXX HI. Today, it is XXXX/XXXX/16, and I have received nothing. What especially angers me is that a prior large credit refund took THREE YEARS for AMEX to pay to me. They ultimate did issue a check, but for the original amount without any interest. I had called them during the 3 year period but they had said the check had already been cashed ( which was untrue ). Please, please, help me get my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 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: PA

Complaint narrative:
A person representing XXXX XXXX XXXX, inbound call received from XXXX XXXX XXXX XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an elderly woman into disclosing additional information without success, instructed my mother to contact me and the representative of XXXX XXXX XXXX would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, XXXX XXXX XXXX through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, XXXX XXXX XXXX is representing itself as an agent on behalf of American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express serve allowed an unauthorized charge on my account and refused to released the funds once merchant confirmed it was not them of XXXX XXXX force me agaisnt my will to sign a settlement agreement than allowed unauthorized charges pending on my account i extend to sue of this intentional tort and american express serve refusing to follow bank protrocal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
To Whom it May Concern, I am filling this formal complain because I feel that Beneficial ( HSBC ) is not honoring their part of the agreement with the government. I have been trying to get a loan modification since XX/XX/XXXX. During that time Beneficial has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I became divorce in XX/XX/XXXX so that took away half of that income, then my father became sick and my Aunt took over his house that was next door to me, I started taking care of my father then after he passed away, my aunt became dependent on me and I had my son whose mother had nothing to do with not even financially was my responsibility. all these issues with under {$30000.00} a yr pay. I recently then remarried in XX/XX/XXXX to my new wife who is XXXX XXXX and I do carry the burden of putting her in this mess. we have XXXXkids and XXXX grandchildren and we have borrowed money from family and friends. I believe that Beneficial illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Beneficial not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. they told me they never received my paperwork, or this computer does n't have that information, they said they lost it and told me I had to re-apply. They kept changing relationships managers on me and I could never get the same person on the phone twice. My mortgage is currently over XXXX % of my gross monthly income. If that is not considered a hardship by Beneficial, that what really is? I believe I meet every single criteria put forth by HAMP program. My mortgage was originated in XXXX and I never refi 'd. this home this is ( was ) my families home and I took a loan out to update it. I am hoping that someone will hold these big banks accountable for homeowners assistance when they clearly deserve it. I think the main reason that Beneficial is not helping me is because I do have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. there are an obscene amount of foreclosed homes in my neighborhood and more going up everyday and I do not want to join them. Please help me save my home. I want what is fair and right. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I bi-weekly send my bank deposits from my wife 's account, and it takes forever ( five to nine days ), for my account to be credited. Well, you can guess what happens in the mean time. While they do pay checks I 've written, I get charged {$35.00} for each check processed and this can devistate my account. I 've checked my wife 's account the next day and find the funds have been deducted. If this is done on a Friday, they will take until the following Thursday to credit my account. This goes on even though I get bi-weekly deposits from XXXX, and monthly deposits from XXXX. This last credit took nine days for them to process, and credit me. By the way the bank is HSBC, having bought XXXX XXXX Bank that I was originally with, since XXXX! If I did n't live in a state where they have no branches, I could walk into a branch, have the manager o.k. the check and get immediate credit for deposit. The checks I send them have never been returned! Never! How do they get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: CA

Complaint narrative:
To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I attended a public university and used a private student loan to pay part of my tuition. University Accounting Service, LLC ( " UAS '' ) serviced this loan. A few months ago, I consolidated this loan through XXXX to take advantage of a lower rate. When I consolidated, I overpaid UAS by {$340.00}. I emailed UAS requesting a refund and they replied that they would refund the excess amount in 60 days. After 60 days passed I followed up by email and they responded by asking me to call. When I called, they said that they do not issue refunds and that they will keep my money. I believe they are holding money that is rightfully mine. My statement reflects a negative balance. They acknowledged previously that I am entitled to a refund and I can not understand why they are refusing to give me back money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been asking for months for Amex to provide me with validation of a closed account they show on my credit report. They state that this account was opened on XXXX XXXX XXXX and was closed on XXXX XXXX XXXX with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently was approved for American Express Credit Card for my business. I received it and activated the card but when i attempted to use it, it kept declining. I contacted Amex as to what is going on and they stated it was due to my " Personal Account '' which i have never had with amex. I kept asking them to verify the information on the account and come to find out Amex has linked my twin brothers delinquent account XXXX XXXX to my account. Yes we are brothers but i 'm not responsible for his debts. I asked them how this could have happened and they could n't explain to me anything other than stating that it was my account, i told them no it 's not my account. I had asked them to confirm the address, social and my business phone number. They claimed this issue to delink the accounts is on the " vice presidents desk '' to have the accounts delinked and that would take 48 hours which was 2 weeks ago. I kept on calling to get this resolved but it has not been resolved. I just want them to delink my account from my brothers account, he is a grow XXXX year old man and is responsible for his debts and i should not have to be punished for someone else debts. I want to make sure this is not being reported to my credit and i want this fixed asap.

Company response to consumer: Closed with non-monetary relief