vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland funding has sent numerous letters and made phone calls after the fact that they tried to put a judgement on me throught court. I fought that judgement and won, they could not prove to me or the court that I owe them any type of debt. So it was dismissed. It is still on my credit report after XXXX attempts of dispute and also sent via certified mail copies of the court findings. I do not think this should be on my credit report so I pray that something can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Client Services, Inc.
State: NY

Complaint narrative:
XXXX sold acct ( XXXX ) to clent services as theiur is XXXX insurance they failed to activate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I am filing this complaint on behalf of my clients. XXXX XXXX of XXXX XXXX XXXX XXXX, New Jersey XXXX. They are from XXXX and speak a limited amount of XXXX. The clients retired and could not longer maintain the mortgage. Clients stated they attempted to sell the property but the market during that time was too low and they were unable to get their asking price. 
Clients state they asked for a short sale, but was never provided information on a modification or any retention programs offer. 
When they came to XXXX, they had received some terrible advise. They had filed bankruptcy, and had limited amount of savings. 
Once I investigated the information provided and back tracked to Penny Mac, what they did do to attempted to do to assist the clients I found the following : They were sent to a translator that only spoke XXXX as a second language, They were never provided information to obtain a modification, forbearance or mediation in a timely fashion. 
The attempts I have made to assist them has been met with phantom phone numbers to attorney 's and letter send after the fact. I spoke with Penney Mac to attempt some relocation funds in XXXX. The sent a letter when we clearly stated they would be out of the country to attend, to an ailing mother. So the offer expired prior to their return. 
The Client has been issued a eviction but was not Offered any assistance they could use in a timely fashion. 
I believe they are not acting in a fair business manner as it relates to these clients. I have tried to contact agencies in their area, the attorney XXXX XXXX and leave messages with no answer. 


Thank you for any assistance you may be able to provide to XXXX XXXX and spouse. 

XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. 
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
recently my check was garnished and I was not informed of debt. I contacted the place garnishing my wages along with the " law firm '' neither will provide me with information or verification of the debt. I am currently food stamp eligible, informed them of this fact and they still will not stop the garnishments. They stated that I was served papers XX/XX/XXXX, but I never received any papers and have not signed for any papers. This is debt that was acquired in 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I have a mortgage which was originally with XXXX. I 've been working with them since XXXX XXXX to complete a deed in lieu process, which was recently approved with a {$6400.00} incentive due to me. I was advised by the representative at XXXX that they would draft the final papers for me to sign and the new servicing company would take it from there. The servicing of the loan was sold to Bayview Loan Servicing , LLC on XXXX/XXXX/XXXX. Given the urgency, I have been following up regularly with my representative at Bayview, to no avail. It seems as if they are purposely delaying the process by not returning my calls in a timely manner or following up with the necessary parties to complete this deed in lieu, which has already been approved. The house has already been taken over by XXXX, yet I continue being billed for water, etc. Time is of the essence and I 'm being put in a stressful position, because of the risk of foreclosure. I need someone to help intercede, given the sensitive and urgent nature of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
First The Government, toke my taxes returns, in XX/XX/XXXX and paid the debt that I did owe off, Now I am receiving a letters from Company call Transworld Inc to my home address from a third party linking my information out such as my home address Name Credit information. This company is asking for more money off the debt I paid off and with an XXXX dollar more interest on the amount I paid in XX/XX/XXXX, saying its from Interest. The company I owed a debt too was paid off in XX/XX/XXXX. Currently showing close and paid. Now a Transworld Systems Inc is trying to get more money out of me. This is crazy I changed job and my information was stolen from my current job, We all received a letter telling us our identity has been stolen. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a American Express-XXXX credit card and I was promised 1 % plus rebate rewards on all my purchases on that card. The rebates for the year 2014 totaled {$660.00}. However, American Express never mailed me the rebate check and when i called them today they said they can only issue me a rebate of 50 % of that amount. The balance have been " forfeited ''. I am shocked. I spoke with several of their representatives including their supervisor - XXXX - ( id # XXXX ). To me, it appears to be a massive scheme to defraud consumers where people like me are applying for cards based on the promise of 1 % refund. These refund checks are never mailed and then these credit card companies tell you that the money has been forfeited!!! 
Pls intervene to investigate and stop this fraud from being perpetrated. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
There are multiple problems with this collection. 
This collection is showing as an OPEN tradeline account on my XXXX report, not listed under collection accounts. Account number listed as XXXX. 

The charges in this collection are not valid and are inaccurate. I closed this account due to charges showing up that I did not know about or authorize, after making my last payment I told then to close my account. As XXXX was sued for cramming and settled, I believe that explains the billing issues I had with them. I was also not aware of any collection actions for an amount I do not owe until reviewing my credit report on XXXX/XXXX/2015. I never received a notice of my right to dispute this information. If information was sent it never made it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have several accounts at Bank of America ( BOA ). It appears that BOA charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.

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 2016-01-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
" XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : Case # XXXX So is the result that my XXXX options are to either sue American Express Centurion Bank in small claims court or allow them to keep {$1400.00} of my money that they have admitted that they received custody of in my behalf? And you have no authority nor can refer me to an authority for assistance with my issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: MI

Complaint narrative:
I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sale, Affidavit from original creditor verifying the Bill of Sale, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 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: NY

Complaint narrative:
I did review on the company midland credit management and they had no good reviews. I do n't remember owing the said amount to the actual credit card company but they claimed that 's what i owe them. I feel i owe half of that. They also tried really hard to get a lot of my personal information which made me feel really uncomfortable. They gave me no payment options rather just told me how much I have to pay and when i am going to have to pay it. Then he gave me the address where to mail the payments and it clearly says on the letter not to send the payments to the address he gave me. I am afraid to pay this company for my debt, I feel i will be wasting my money because the reviews they have are awful and they are not XXXX accredited. How do i avoid dealing with them and make a payment to someone who matters? My account manager was an XXXX man that i could barley understand and I 'm unsure if this is even a legit company. I feel because they have my social security number, they that can do bad things to me over such a small debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
Hello in XXXX of 2015 I submitted a web application that said I was preapproved for a basic checking account with HSBC. I was then declined. Customer support said I needed to hard pull my own credit report and then send it in to them for a deposit only basic checking account. After several weeks I then called them with my credit report and they said that instead I needed to reapply. I reapplied and received another pre approved status. This after several more weeks was declined again. They said that it was because they thought I would use it for business purposes. This was obviously false. I needed XXXX factor web banking and a bank that I could physically walk into a branch internationally if necessary. I had numerous other checking accounts in good standing as well. I have never mismanaged a deposit account and I have excellent credit. 

I then reapplied for HSBC premier. This was then forwarded to security and fraud based out of the XXXX subsidiary. They requested additional documentation that deviated from their stated acceptable identification. I supplied what they asked for anyway. HSBC then failed to communicate with me and apparently allowed my application to expire stating they were unable to verify my identity. My documentation exceeds XXXX requirements. 

Previously I moderated XXXX and have an extensive track record of accurate predictions regarding financial, economic and geopolitical events. This includes but isnt limited to every major fed QE and rate decision since the financial crisis, the recent pullback in XXXX, numerous XXXX decisions and many others. The fact that a preapproved basic checking account is being declined for someone who has never mismanaged a deposit account and has excellent credit undermines confidence in HSBC 's ability to competently conduct basic banking activities and the security of its current deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My husband and I keep receiving debt collection calls and correspondence for XXXX XXXX from Midland Credit Management. We have advised them in writing twice prior that we do not know who this person is and asked them to stop contacting us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Please look into the billing practices of American Express credit cards. Like most people, I always pay all my bills at the end of the month. Amex has changed its billing cycle so that payments arriving early in the following month incur a late charge of {$35.00} unrelated to the amount then unpaid. This can amount to an APR of hundreds or thousands of percent. I was a cardholder for almost XXXX years. This problem did n't arise until the last few years. I strongly suspect that Amex deliberately altered its billing cycle to generate fee income from people like me who pay bills at the end of the month. I 've contacted them and asked that my billing cycle be changed, as other companies have done, but they were n't willing to do so. I 've paid off all charges against the card but refuse to pay these unwarranted and predatory late fees. Amex keeps dunning me for the late fees. I finally cancelled my card after a half century but the phone calls and bills keep coming. Undoubtedly there are many like me who regularly pay bills at the end of each month. On behalf of all of us, please look into this predatory practice, which is almost as usurious as payday lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: TX

Complaint narrative:
I have never heard of this company nor have I ever had any business dealings with them. They have placed negative reporting on my credit report causing my credit report to go down tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently received a statement on a " time-barred '' debt with a " thank you '' note on a payment in the amount of {$88.00} dated XXXX XXXX, 2015 that I never authorized. As a matter of fact, I have never talked to anybody in this company. I believe that this payment is fraudulent in an attempt to restart the statute of limitation 's clock and possibly sue me for the amount they claim I owe. This company called Midland Credit Management is well known for their deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am filing a consumer complaint against American Express. I have XXXX cards with them : platinum charge card and a blue preferred credit card. I have had a previous CFPB bank fraud case. The case number is XXXX. I have notified Amex about this and how it has affected my finances. Since XXXX, I was able to make electronic repayments in XXXX ; however, American Express removed this option for the blue preferred credit card. I still paid off my platinum card. Well, Amex cancelled XXXX cards this XXXX. I deemed that grossly unfair when the company removed its electronic repayment option for the blue preferred credit card. I had always paid electronically because then the money would be applied to my account faster. American Express can not remove my ability to establish a repayment plan but then penalize me and my credit history in the process. Furthermore, having been an American Express card member since 2012, I had a stellar payment history until this summer. There was no rhyme or reason why American Express would cancel me then harass me three times a day ( from XXXX even on XXXX to XXXX ). Its phone number that it harassed me from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation