vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After I paid my total balance and closed my card, I was charge 2 months of retroactive interest totaling to {$25.00} due to the " timing '' of when I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX. 
HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX. 
That the current status was '' Foreclosure started '' as of XXXX XXXX. 
As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED. 
Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act. 

The date of first delinquency is misreported and inaccurate. 
The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported. 
No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response. 
Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HSBC bank continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used any account from hsbc bank/XXXX. this account was opened in 2010. I was not even living in Massachusetts in 2010. this continues to damage my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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 all of them by phone, but since my ex-husband left withnothing but my cloths on my back, all documentations support, I do n't know what he did with everything I owned either, includingall my accounts, assets, personal information, birth certificate, drivers license, ss card, passport, etc. etc. He fled back to XXXX, used me for XXXX. I got the information from XXXX, complaint to them alsoand who to call to dispute and I did to all of them and also to credit bureau online. All the best ... ... XXXX XXXX number : XXXXMidland Funding LLCUS ( XXXX ) XXXX collector account numberXXXX $ XXXX collector XXXX $ XXXX XXXX XXXX XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There was XXXX unauthorized transactions on my American Express for XXXX card over the course of 3 days. I was given a temporary refund and then it was taken back out of my account because according to American Express the transactions were authorized and I needed to contact the merchant. I called to get information about contacting the merchant and was told that they would email the information to me. However when they did email it I could n't access it because the link expired in 24 hours. I called over 5 times to request that information again and speak to a manager. I was told that I would get a call back and the information resent each time and I never received the information or never ever received a call back. American Express then discontinued the American Express for XXXX card and I 've been trying to contact American Express since XX/XX/XXXX when the card was discontinued. The American Express for XXXX card phone number is discontinued and I 'm not able to get any information. This has been going on since XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have received XXXX times of American Express Premium Reward Gold Card Ads & Pre-select Invitations around middle 2016. All the Ads letters state : " GET XXXX MEMBERSHIP REWARDS POINTS after you spend {$1000.00} on eligible purchases with the card within the first 3 months of membership '' After three months of my membership I had made at least {$1000.00} eligible purchases using the card within that three months period. HOWEVER, I only received XXXX rewards points, which is only half of what I was supposed to receive. I contacted American Express Gold Membership a couple of times for a solution, they refused to issue me the rest XXXX as they promise in the credit card ads.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was contacted via email by my American Express card company regarding an internal review being conducted on my finances. I have been an AMEX holder for 27 years, not ever missing payments. AMEX emailed me form XXXX requesting access to my 2015 IRS information ; AMEX is concurrently gathering information from the XXXX credit verification services. Meanwhile, they have frozen the account, while they still go ahead and collect my most recent payment. I have never heard about a card company requesting personal tax information and I find this an unacceptable invasion of privacy especially since I offered to provide them with pay stubs in lieu of releasing tax info. I have nothing to hide from a tax standpoint, I just do not believe that AMEX or any other card issuing company has the right to access that information. 
I have 14 days to respond to the request of completing the form. The language used in the email is outright threatening ( please see below ) : " If you fail to provide the documents required within 14 days of the date of this letter, we may take additional credit actions up to and including cancellation of your account ( s ). 
We have placed a restriction on your account ( s ) and no further charges will be allowed until this matter is resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash. 
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money. 
we went next cash toll boot and told her no one was there and we could not pay by cash. 
she said fine and she collected {$8.00} and she gave me the attached receipt. 
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B. 
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation. 

They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX was unable to secure my account due to identity theft. XXXX XXXX admitted they failed their own procedures. XXXX XXXX closed my account. I was forced to accept discounted Gift cards for XXXX points. XXXX XXXX attempted to reopen my account 24 hours later, but would not trade my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I signed up for an American Express Green card in XXXX, 2015 under an online promotion that offered XXXX reward points after spending {$1000.00} in 3 months with a {$95.00} annual fee waived the first year. After meeting the spending requirements and noticing that I did not receive the signup bonus, I called in to American Express to inquire XX/XX/XXXX. American Express customer service told me that they did not have any record of me signing up under the promotion, but would escalate to their marketing team to investigate. It is now well over a month since I first called in and despite contacting American Express 5+ times, they have no information to give me and I have not yet received the bonus I signed up for. A household family member signed up for the same bonus on the same day using the same online promotion and received the bonus points. I met my end of the agreement for the signup bonus in meeting the spending requirements and now would like American Express to fulfill their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation
State: NJ

Complaint narrative:
A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide Recovery Service has debt reflecting on my XXXX credit report that I was told is a medical bill. I was never contacted in reference to nor do I know what this debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AAS Debt Recovery, Inc.
State: OH

Complaint narrative:
i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me. 
i received a letter from XXXX saying i owe them XXXX! 
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Loan was opened by mother who has similar name and signature as me.

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 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 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: Aargon Agency, Inc.
State: GA

Complaint narrative:
Aargon Collection Agency continues to report false information to XXXX that I owe a debt. I have absolutly no knowledge of this account and feel violated that they keep reporting false information and it is affecting my credit. I informed the collection agency ( Aargon Collection Agency ) that this is not my account but they have been unhelpful in assisting me with this removal from my credit. I have no knowledge of this account and do not owe this account. Please assist me. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
I have continued to receive regular phone calls from Aargon Agency regarding a medical debt that has been paid. When I ask for specific details about the debt, they are unable to provide additional information and instead tell me to contact the hospital. They have also submitted negative information to credit reporting agencies about this debt, even though I have disputed the accuracy of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times. 

I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BCB Investments LLC
State: IL

Complaint narrative:
A .Alliance collection Agency is continued to damaged my credit report because they said I owe them money that I 'm not aware of. They are stopping me from getting a home loan because of this issue. I sent this company a debt validation letter and they fail to provided me any proof. it has been longer then 30 days I gave them to respond back to me but yet no response. I am a victim of identity fraud.

Company response to consumer: Closed with explanation