vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have had an AMEX card since 1980. I have never been late on payments before this last month whenI dismiss a {$100.00}. payment. I am now receiving 10 to 14 calls each day for the last 5 days ( Thur. thru Mon. - even on Sun. ) This amount of calls for an old customer with good history and for this amount of money is RIDICULOUS! It has truly upset myself and my wife who wants to now drop the card entirely, to which I agree, but I feel this type of undue harassment should be dealt with by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
my name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. AND THEY HAVE ONLY GIVEN MY AGREEMENT PAPERWORK WITH NOTHING BEARING MY SIGNATURE, THEY HAVE FILED A SUIT AGAINST ME WHEN I HAVE CLAIMED OVER AND OVER SEND ME THE AGREEMENT WITH MY SIGNATURE AND THERE WAS NOTHING SEND TO ME. IN ADDITION THEY HAVE VIOLATED FDCP S 807 FALSE AND MISLEADING INFORMATION DEFAMATION, IDENTITY FRAUD AND VIOLATION OF FAIR CREDIT REPORTING ACT. MY ACCOUNT WAS NOT EVEN MARKED AS DISPUTED UNTIL RECENTLY WHICH THE LAW SAYS IT HAS TO BE WITH IN 30 DAYS OF THE FIRST FORMAL DISPUTE LETTER RECEIVED WHICH WAS XXXX 2016. PLS HELP ME CLEAR MY NAME SINCE I NEVER APPLIED FOR THIS CARD OR EVER HAD AN AMERICAN EXPRESS. I DO HAVE RECORDS OF ALL CREDIT REPORTS AND CONFIRMATION SINCE ALL LETTERS SENT TO THE LAW FIRM AND AMERICAN EXPRESS WAS SIGNED FOR AND RECEIVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
While attempting to re-enroll at XXXX XXXX Colleges I was told I could not register for classes unless I paid an alleged debt to the collection agency TSI. The original debt was only {$420.00}. But TSI said I had to pay {$970.00}. TSI told me that was the {$420.00} plus an {$82.00} fee and interest. But, TSI could not explain why they were entitled to the {$82.00} fee or interest. I did not owe the debt and no law or agreement I am aware of allows TSI to add fees or interest anyway. I had to unfairly borrow money to pay the full {$970.00} so I could enroll an attend school in time under protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XXXX XXXX I went on-line to my statement to see if my bills had been paid, but then I see that some transaction was on there that I did n't make. I then contact XXXX American Express company to inform them about the matter. He told me that if I see any more transaction that I did not make to contact them back. I went on-line the next day and found XXXX more transactions from XXXX XXXX that I did not authorized and another XXXX from XXXX, but when I went back to the website my account had been closed. I called the bank and ask what was going on and they said that they had suspended my account due fact that I had broke one of their terms. I did n't understand what they was talking about and they said that I was one that made the transactions. XXXX XXXX was XXXX of the transaction on my account that I did not approved and then I called XXXX XXXX to find out who might have purchased the ticket that was on my account and they told me that it was not me plus they where going to admittedly start an investigation on the transaction that was done in my name then take legal action. After that I call Serve back to let them know that information that they had given me was wrong. They told me that XXXX XXXX told them that I made the transaction of buying a ticket to see a concert and to me that they was saying that I committed fraud. They kept saying that I was the one that had made the transaction which was not true. The next day I went to my police department In XXXX Ma. and file for identity theft. I immediately faxed over my papers. They told in about one week my case should be settled but it was n't. Then they told by the following Thursday it would be done once again not finished. I got tried and threaten them that I was going to bank commissioner and I have n't heard from them since. That is why I 'm filing a complaint. My bill are all over the place I ca n't pay my rent because the social security was sent to my the old account.and now I have to wait for social security to get it back. Then send it to my new account which I 'm still wait for its card because of all business with XXXX and American Express. I have my credit card companies calling for payment and now I have late fees add on top of that. XXXX and American Express have made my life a living XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc.
State: CO

Complaint narrative:
I was trying to get refinanced because I need some cash out and I have an adjustable rate montage and applied to American Financial Network with a XXXX XXXX loan officer. 
They promised me XXXX cash out and that they would pay off a judgment against my daughter also. I had told them repeatedly not to go ahead with an appraisal unless all this looked good which they assured me that it did look good for me to get a loan with them .I had backed off them once but they persisted and so I gave them my credit card for the appraisal to be completed which it was costing me XXXX dollars but when they sent me papers to sign they money was not there that had been promised to me so backed off the loan and backed off the deal. I asked them to return the XXXX dollars since nothing was right about the loan .I believe they would tell me anything to close this loan but if they had vetted me closer before the appraisal as they should have they would simply told me that I did not have enough residual income for this loan to begin with, i contacted them and ask them to return the money have charged on my credit card but they ignored me and actually told me they would still do this loan, How can thy loan money to someone who did not met the standards for the loan in the first place They are American Financial Network Inc .www.afncorp.com the loan officer was XXXX XXXX from Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX 2016 i had received and email from American Express Serve stating that my pin number was changed, right away i checked my account and i found that someone and transferred {$540.00} from my account to XXXX different accounts, I called AMEX Serve and made them aware of what just happened I went through the steps to re-secure my account IE : change my pin, email address and security question. They then told me same day ( XX/XX/2016 ) that my claim would be reviewed in 3-5 business days and I will have my money refunded. After the 1st 3-5 business days I called requesting a status, every single time ( on a recorded line ) they tell me I just have to wait they have a high volume of these complaints and it will take time. I continued to call every 3 days after no response on the status and every time it was the same story. On XXXX XXXX 2016 I receive an email stating they have closed my account because i was in violation of section 15-d??. I researched what this means and it basically states that i had no money in my account so they closed it and there is nothing anyone can do from this point. I withdrew all the money from my account because after all this back and forth stuff about me having to wait to get refunded the money that was stolen from me i was scared that money would be stolen as well. Now that they have closed my account my current paycheck will be direct deposited to that account and they will have complete access to that money as well, totaling {$1200.00}, I called AMEX Serve and they said " there is nothing we can do we are sorry '', I see your very sorry, needless to say I will be going to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This is a medical bill that I received.I fell at XXXX and got injured they are responsible for the bill not me.i received a letter in the mail today from transworld systems inc XXXX/XXXX/2015 stating that if I do n't pay bill in full they will report to the credit bureaus.i tried contacting the number they provided it rings XXXX times then the line remains open with no one on the other end to speak with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XX/XX/2015, Midland Credit Management was told that I was represented by counsel and that they had failed to respond to a request to produce documents including account statements, account numbers, payment history, proof that account was mine. At that time they ceased all communication. However, for the past two months, thy have violated my rights by once again started calling our number, XXXX and leaving automated messages or hanging up and calling again numerous times. On XX/XX/2015, they mailed me a letter, in violation of consumer protection laws, referencing an account number, account XXXX, knowing that I had counsel. They still failed to provide any documentation or proof that this account belonged to me. I have retained copies of their correspondence. midland was sued by you for exactly this type of violation. They are now trying this same tactic with me, in violation of my rights. I ask that they stop this collection activity immediately or I will file a complaint against them and any counsel contacting me against my rights, with the attorney generals office and take legal action as appropriate for this violation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
A company by the name of Midland Credit keeps calling me about a debt that I am not a party to. Initially they were calling me cell phone number, and I believe they may still be calling my cell phone although I have asked them not too. Even after telling them I am not the debtor, they continue to tell me all of the details of the debt. They have disclosed the total amount of the debt, that the debt is for a credit cards with XXXX XXXX, etc. they call several times a day, every day. The debtor is my spouse XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Did not receive notice of right to dispute. I have a dispute with a pressure cleaning company who damaged my house paint by using chlorine. I intend to sue them. Debt collector should have given me a notice and right to dispute prior to attempting to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: PA

Complaint narrative:
In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied and received an American Express XXXX XXXX XXXX credit card which promised XXXX bonus points if I spent {$3000.00} within three months. I qualified according to American Express on XXXX XXXX. As of XXXX XXXX I had not received my bonus points. When I inquired they now insisted it takes up to three months to get the bonus points. The exact language of the offer and terms was this : XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6 - 8 weeks after the spend requirement has been reached. This appears to me to be false and misleading representation to entice me to get a credit card. I am also fearful I will never get the bonus points. I think American Express should be sanctioned. I appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney, because instead of suing me, the " company '' is going to press charges for fraud and theft. He also yelled at me for " crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further, and contacting my employers as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SB Holdings, Inc.
State: CA

Complaint narrative:
I am a XXXX man with hearing problems. I purchased a hearing aid which was sold to me as 12 months same as cash. I received a coupon booklet with payments starting in XX/XX/XXXX. I have made every single payment starting on XX/XX/XXXX with the impression I would not own any interest. XX/XX/XXXX I received a letter from Allegro Credit stating I owned {$610.00} interest. I called Allegro and they stated they sent a notice XX/XX/XXXX regarding this I never received this notice, furthermore, they never sent any monthly notice reminding me what I owed and when the same as cash ended. I find this very deception. Why would they not send me a monthly statement, and only provide a coupon book that started in XX/XX/XXXX. As a lender they should be required to give me a monthly statement. I now owe money that I will need to borrower as I can not pay this. This should be illegal for Allegro to be so deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am not the XXXX XXXX they re looking for. they keep calling day and night XXXX days a week!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I requested a balance transfer of {$750.00} from my XXXX account to my American Express account, however, American Express posted the charge twice on my account but it only transferred once. I tried to get this resolved for a month now but they have not fixed the issue and have reported inaccurately to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: TN

Complaint narrative:
This debt is a result of identity theft. It is from Midland Funding LLC. They state that I owe them {$3300.00}. I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
I have made XXXX different payments of XXXX to Northern Plains Funding and none of the money has been credited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: TN

Complaint narrative:
I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied and was approved for an amex platinum card that included a sign up bonus of XXXX miles once I spent XXXX within 3 months. I have spent the {$3000.00} ( more like XXXX actually ) and the miles were credited to my account. But Amex is not allowing me to use the miles for some reason. The terms and conditions were clear that I could use the miles after they were credited to my account. I am trying to book a flight that would otherwise cost me about {$10000.00}. If I do not book soon the ticket will be booked and I will have to use $ s to buy the ticket and not miles. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: PA

Complaint narrative:
I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.

Company response to consumer: Closed with non-monetary relief