vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent a letter to Midland Credit Management ( MCM ) on XXXX/XXXX/15 via certified mail asking them to stop contacting me via telephone. My letter requested them to validate the amount of the debt, the name of the creditor to whom the debt is owed, a verification or copy of any judgment, and proof that they are licensed to collect debt in the state of Ohio. I had received no prior written communication from this company and asked them to send me details on a debt they say I owe in writing only. The number they are contacting me on is a work phone number that I do not own and I do not use for personal business. Doing so is a violation of the agreement I have with my employer for it use. I received a reply from Midland Credit Management dated XXXX/XXXX/15 stating that they are unable to locate an account in their system for me and that additional information is needed. I was asked to send a Full account number, social security number, address or previous address, full name, and phone number. I could not provide them with an account number as I had received no communication from them with an account number or an original creditor. I also am not willing to provide a social security number to a business that states it has business with me but can not clarify what the business is. My address, phone number, and full name were provided in the letter I sent. Despite MCM claiming to not be able to locate a record for me, the calls did stop for a time. During this time I received no further written communication from MCM with any information regarding the debt they saw I owe. However, during the week of XXXX/XXXX/15, I began to receive several phone calls from an auto dialer sometimes XXXX times in XXXX day. I decided to answer the phone on XXXX/XXXX/15 as I was not aware of who the calls were coming from originally as the number being used during this round of calls is different than what was used previously. The represenative asked for me by name and stated they were with MCM and attempting to collect a debt. This was surprising as I stated before, I requested only written communication and had not received any response to my request for validation/verification. I provided the agent with my cell phone number and informed them I would call them back as soon as I was able. To which the agent responded that if they did not hear from me in 10 minutes they would call me.The agent also claimed that legal action was pending against me. As they called during the business day, I was not able to call them in a timely manner and they have yet to contact me again today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: NJ

Complaint narrative:
I do n't know anything about this debt. I have never been without insurance in my life! I have never received anything from them in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I was offered a retention bonus of XXXX membership rewards points in XX/XX/XXXX. They never posted. After calling in several times over the course of XXXX months, and several guarantees that the points would post they never did. All of the conversations were recorded by American Express. American Express lied to me on several occasions saying that the points would post " in a week.. '' or assuring me the points would " post soon ''. They XXXX told me 8-10 weeks, and at the 10 week mark I called in and was told 4 more weeks. At the 14 week mark I called in and was told 4-8 more weeks. The result of this caused me to lose out on an annual fee refund if I closed the card instead of accepting the retention bonus. The total resulted damages from the non-refund was XXXX {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received a call in XXXX from HSBC collection regarding a charge I did not make. I have not used this card for over a year and it has a zero balance. There is an unauthorized charge on the card and I reported this to the HSBC Fraud division. I have a notice from HSBC dated XXXX XXXX, 2016 informing me of a data breach and the charge took place XXXX XXXX, 2016. HSBC security is denying my claim based on the charge taking place within 20 miles of my home. It is unclear to me what distance has to do with fraud. They have requested a police report to re-open their investigation, I filed and received the report that was submitted to HSBC. They continue to deny my claim. This is XXXX unprofessional and fraudulent on the part of HSBC in protecting my data and financial interests. I have requested they dismiss the charge, interest and penalty and they continue to refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express refuses to refund me on a fraudulent transaction charge. I disputed a few transactions from XXXX totaled {$110.00}. Those money where taken from my account by XXXX XXXX. The product that XXXX delivered was inadequate. XXXX itself wants to keep my money offering some " credit '' which I do not want. Thus I claimed American Express to refund me on a fraudulent sale through XXXX. I do not authorize that transaction. The dispute with American Express was filed weeks ago. My money is still not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for an American Express XXXX card. They offer XXXX Membership Rewards when someone spends {$10000.00}. I quickly sent {$2000.00} to my landlord via XXXX. I then booked a trip for my family that was worth {$8500.00} or so. Right away, the XXXX Membership Rewards points posted to my account. I was excited of course. However, my travel plans changed. I had to cancel my hotel and rebook for a different date ( I believe it was for 2 weeks later ). Again it was for a similar price, in the range of {$8500.00} or so. I logged into my account to pay my bill when I saw that the XXXX Membership Rewards ( worth about {$1000.00} in cash back ) was gone. I called and they claimed that I used my card fraudulently. I asked them to speak with a supervisor who claimed that because I canceled my hotel reservation, I was abusing the program. 
Well, I was n't trying to steal. If I was, I would 've used the XXXX Membership Reward points before I " canceled '' my hotel. And I never canceled my hotel, I just changed my reservation to a different date to accommodate my family. They were unwilling to listen to anything I said. I tried really gently to explain but they kept saying I was acting fraudulently and I think it 's because they do not want to give me the XXXX Membership Reward points they promised. What should I do?? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XXXX, XXXX we requested a Balance Transfer with American Express to pay off our XXXX bill in the amount of {$7300.00} They instead sent the payment to XXXX XXXX and we DO NOT have a XXXX Penny card. We disputed it several times and in XXXX XXXX they did a Balance Transfer to XXXX as originally requested but they refuse to credit me back for the original {$7300.00} that went to XXXX XXXX. They are forcing me to pay the original transfer of {$7300.00} to XXXX XXXX and I do n't even own a XXXX XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: MD

Complaint narrative:
I tired to respond to the message that Midland left however for some reason the complaint was closed or XXXX. 
First I was unable to open the attachment that was submitted and yes I did try on several different computers. I want validation from your company showing this belongs to me. I want a copy of the agreement with my signature. What part of validation do you not understand? I have nothing from your company showing this. A print screen is not validation it is something that anyone with a computer can make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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:
Debt was incurred after my annual liability under an HMO health insurance plan had been met. The insurance company has told me the claim was adjusted and this is not my liability. The provider 's billing service continues to send invoices to me and now has turned the debt over to a collection agency. After multiple contact to the provider, billing company and the collection agency with documentation supporting my position, they still continue to send me attempts to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Signed up for an American Express Platinum card with XXXX points offer. Signed up because all the reviews I saw spoke highly of American expresses customer service with their platinum members and their concierge service. After earning the points associated with the sign up bonus my account got flagged for some sort of fraud lockout and after speaking with a customer service representative ( who was very nice ) she told me it would be three weeks before they were unfroze. After three weeks had passed I went to go check my points and again was met with the same error I was then told that it would be another 3-5 weeks as it was a 6-8 week review. This was over three months ago. I escalated the case from a normal customer service representative to her supervisor and then to that supervisors supervisor. Each one told me that the department that handled this sort of fraud did n't have a public contact so I could n't speak with them, but I find that hard to believe seeing as how AMEX is such a large company. I had then asked to speak with her superior but was told they were n't available for calls and to leave a number for callback. That was three weeks ago and I still do not have a callback. 

Not only have they put a freeze on the XXXX points I had earned, but also on the points I had previously had from a different credit card. 

I simply want to speak with someone to let them know what information I can provide to elevate this fraud issue. I 've had something like this happen with other companies in the past, but they simply just sent out a new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 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: NJ

Complaint narrative:
I have disputed with the credit reporting agencies that they have not only my daughters addresses listed with my credit report, but also a woman who happens to have the exact same name as me. NOT THE SAME SOCIAL SECURITY NUMBERS. How can I have this information corrected? Because of this, there is a judgement against me for someone else, not my daughter, but someone else. I now can not get any credit for anything. This has been a long 25 or 30 years of identity theft!!! No one seems to give a XXXX. I am not going to pay someone elses debts!! I 'm XXXX XXXX XXXX!!! Can you help at all????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
My name is XXXX XXXX, I live in Oregon and I have this situation with the banks. I received documents from Deutsche Bank national Trust Company and they are saying that I owe them money for some kind of judgment. I 'm not aware of any judgment especially from Deutsche bank. I 've had my loan sold to XXXX XXXX and I believe Deutsche bank already received money for selling my loan from XXXX because now XXXX has my loan and is asking me to pay my mortgage to them and XXXX is sending me my monthly statements. So why is Deutsche bank is after me and why is there a judgment when they already got paid for this loan by XXXX? 
Deutsche bank put a Sheriffs sale on my home for XXXX/XXXX/2015. I 'm very confused why they would do this and to me it seems like they are doing something very fraudulent here. I would like to stop the sale completely so that I could hire an attorney or if your company ( CFPB ) can provide a good one or recommend one so that I could have them investigate this matter and resolve this fraud. Please give me some time to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I attended XXXX XXXX, XXXX ( formerly owned by XXXX ) from XX/XX/XXXX-until they shut down unexpectedly in XX/XX/XXXX. I was not allowed to finish my program but WAS left with all my student loans and huge debt for NOTHING in return. Referring to an article posted on Consumer Finance 's website on XX/XX/XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. My credit history has been badly hurt because of the loans taken out for me to attend XXXX XXXX. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points. These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX. And for what? Greed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I accidentally transposed XXXX numbers on my direct deposit form with my company, the routing number was correct but XXXX numbers on my account had been transposed. My card service, serve by American express is refusing to return my direct deposit funds to me. Can anyone help me? I 've talked to them and they 've claimed there 's nothing they can do, they spoke with my payroll as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-27 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I 've complained before about these rebate/reward cards and the fees because traditionally a fee comes with a service and they provide zero service. They take a monthly fee for what, not using it, kind of backwards logic but of course makes banks rich while robbing consumers. 

This complaint is not about that though. So I tried to use XXXX of my cards and it was denied presumably because I did not have the full amount available on the card which is XXXX point # 1. So you ca n't use the balance and pay the rest with another means of payment??? 

For convenience and so AMEX does n't miss responses which they traditionally do, that is question XXXX and I 'll make a list : 1 ) Can consumers pay with a reward card and even if the balance is not available for full payment, apply a partial payment? If not, why, too technically advanced for banking??? 
2 ) I would love to know how many cards other than being robbed with the fees, end up with small balances that never get used because you ca n't go over with the purchase??? i would basically like to know the possibility/probability of using down to the penny. 
3 ) To top everything off, I was charged a {$1.00} fee for attempting to use the card and for what??? 

This is just more ripping off the consumer to make millions and millions in profit ... In processing the note was that AMEX denied the charge, not the processing company, AMEX so this is their issue, their shortcoming, their greed ... 

The card number for reference is XXXX XXXX

Company response to consumer: Closed with explanation