vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My Bluebird card that i used for bill pay was compromised and in the end result bluebird closed my account and denied my claim. I went to XXXX and loaded XXXX bucks on my card i quickly realized the XXXX i forgot to keep for gas. I went to stand back in line and the cashier pointed me towards the atm where i then withdrew the XXXX dollars. While at the gas station in an attempt to buy a water bottle i realized my card was missing so i went back to XXXX to find my card and was told the ATM must 've eaten it up. i then left got home and called bluebird while on the phone with the bluebired rep i explained that i lost my card and that i needed a replacement sent out the rep went ahead with my request and in the middle of conversing told me my card had a balance of XXXX dollars left. I told her that must be wrong she then let me know that the transaction had just occurred while we were on the phone and that it was a XXXX withdrawal, she asked before sending me over to the fraud department if anyone had access to my pin i told her that since bluebird is the only card i have that would n't let me use the last XXXX of my social for my pin i had written it on the back of my card. The rep then encouraged me to file a claim on the transaction as i was crying trying to figure out what to do. I filed the claim with the rep and was send a declaration of fraud to complete. i completed it sent it back waited XXXX weeks calling and checking on the status of the claim on XXXX/XXXX/2016 a rep by the name of XXXX told me the money would be in my account on XXXX/XXXX/2016. When i woke up this morning i got XXXX emails from bluebird XXXX stating that the dispute was declined the other stating that my account was closed with funds in them. When i called to try and find a resolution i was given the cold shoulder and told that there decision was written in stone and final i tried and tried to explain with no success. When i asked them why they could not give me a reason as to why they decided to deny me and then close my account. When i asked for the account number they told me they could not provide it. I took out a payday loan to pay my bills because i was told i would be credited today but instead i woke up to a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 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: CA

Complaint narrative:
i was pre approved for a discount program designed to save money on my loan by midland collection agency.given a certain date of expiration which was XX/XX/2016..midland collection agency has given me XXXX options. 
1. 40 % off from balance of {$3100.00} which was {$1900.00} 2. 20 % 6 month payments of only {$420.00} 3. monthly payment as low as {$50.00} per month. you have to discuss with them for this. 

I took option 1 .paid them {$1900.00} by check at XX/XX/2016 which was posted or deducted from my bank account posted on XX/XX/2016 way ahead of their due date. 
Yesterday XX/XX/2016 i got a letter from them thanking me for my recent payment, however they tell me that i still owe them {$1200.00} this is the amount that i was suppose to save on my XXXX % option 1 discount.i 'm so mad that i am looking straight for help ... thats why im here ..i need your help.

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

Complaint narrative:
I received both a letter and an email offering me a {$25.00} cash reward ( after spending {$25.00} or more within the first 90 days ) and an additional {$100.00} reward ( after spending {$1000.00} or more within the first 90 days ). The reward would be paid within 6-8 weeks after meeting both those goals.. 
I spent {$150.00} on XXXX and XXXX on XXXX therefore meeting both of the required amounts for the two rewards. 
For the first reward, 8 weeks was Wednesday XXXX/XXXX/2016 and for the second reward it was 6 weeks on the same date. 
I contacted American Express in a chat on XXXX and was told I have to wait the full 8 weeks. Since today was over 8 weeks for the {$25.00} reward, I contacted them again in an online chat and was told that they would have to open an investigation which could take another 30 days! At the same time I asked to chat with a Supervisor/Manager and she ( XXXX XXXX - XXXXXXXXXXXX ) would call me after I emailed her a copy of the email from American Express describing the offer. That has not happened as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Managements has begun calling me incessantly and I do n't know why. I have no outstanding debt, all accounts are up-to-date, my credit score is in the XXXX and yet they keep calling. XXXX calls today between XXXX XXXX and XXXX XXXX ( Tuesday, XXXX ). I have asked them to stop XXXX by calling ( XXXX ) and by email ( www.midlandcreditonline.com/ ) and they continue to call. The only thing I can think is that they are calling for information on a relative who has some outstanding debt but that has nothing to do with me. I do not have any past due accounts and need these people to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 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: UT

Complaint narrative:
debt is not valid see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was getting ready to travel to the XXXX for work and was told best thing to do was to get a prepaid card to travel with I then got an American Express serve card. Money was then deposited into account. I started receiving emails about transactions being made went online and ATM card was used a total of XXXX dollars gone. I called immediately and reported this I was told I would not be responsible for the charges and would be issued a credit within XXXX7 days of investigation within XXXX3 days I received an email stating my dispute was declined I was in XXXX with no funds and no help. I 'm not sure what type of investigation was done that fast. I then went online to look into reviews on this card and nothing but negative reviews. I will never use this card again and to be stuck in a foreign country with no help was the worst feeling

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount

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 — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XXXX keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 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: FL

Complaint narrative:
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts.Furthermore, i accordance with the Federal Rules of Civil Procedure ; Rule # 1.130, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied American Express Platinum charge card this XXXX and spent XXXX dollars in 3 months using this card. I got XXXX membership rewards points as the bonus in XXXX. 
But American Express took the XXXX points from my account without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending. 
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back. 
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance. 
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded. 
They owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
1. This collector has repeatedly and falsely reported the alleged debt as new. 

2. This collector has rejected my efforts to resolve the debt in accordance with the law. 

( These options were not listed in the drop down menu. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XXXX XXXX, 2015 my American Express Bluebird prepaid card was locked and suspended, citing violation of member agreement section XXXX, with {$540.00} in deposits still in the account. After repeated calls to request my deposits be returned, AmericanExpress phone agents tell me the deposits can not be released until an investigation closes. They tell me that there is no knowledge of when this may conclude. I have waited more than 60 days for the funds. It seems that they may hold my deposited funds indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: MN

Complaint narrative:
Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. 
it 's like a loan shark. Even after you pay them you will always owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX autobilled ( renewed ) my subscribtion XXXX even though I canceled my subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They call me 4-8 times every day. starting at XXXX and ending around XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 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: IL

Complaint narrative:
Midland Funding took me to court and after 3 court appearances the judge dismissed case with no Prejudice. I sent in court docs to all XXXX credit bureaus and they will not take off and Midland is calling and sending docs trying to still collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I have tried repeatedly to contact trans world systems on XXXX to figure out why a medical debt for {$51.00} is showing on my credit report and I follow the prompts ( 1 for english and so on ). It asks me to enter my ss # and then I 'll be transferred to an agent. Each time I do and then the line just hangs up!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a XXXX prepaid credit card. I can only spend money that is available on the card. 
Although the balance on my card was XXXX - American express approved a payment of approximately XXXX $ making a negative balance on the card and are now forcing me to pay the balance. 
American Express can not explain how a charge of apporximately XXXX $ was approved on a prepaid card which had XXXX balance for over a year.

Company response to consumer: Closed with monetary relief
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: ENCORE CAPITAL GROUP INC.
State: AL

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

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

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XXXX XXXX World Omni Repossessed my car on the 30th day of it being late. I called the company explained that I was making the payment the same day and they still took the car. I went through the necessary steps and paid an outrageous amount of money to get my car back that same exact day. World Omni reported from that day forward to all three credit bureaus that the vehicle was " redeemed or repossession '' in the remarks. The account is showning closed with a high balance. The issue is I have been paying on this car on time every month with NO repossessions since the XXXX XXXX incident. I called the company, customer service told me the issue would be rectified FIVE times. Every month my credit score is suffering due to this closed account with a high balance. I have been disputing the account every month as well asking the company to please update the information to reflect true. The company has refused to do so. Every time I speak with a representative I ask for an amortization schedule as well as my payoff amount. I am being told by numerous reps they do not have an amortization schedule but will send a principal and interest breakdown for my last payment. I have yet to receive this information and I 've been asking for it since the loan opened in XXXX. The payoff that I am being quoted is with interest. When I explain that the payoff amount should not include any interest as it is being paid in full I am never given the correct amount.

Company response to consumer: Closed with non-monetary relief