vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My husband died on XX/XX/XXXX. I have been disputing a " joint '' status on a credit card for many years. I called the card company ( AT & T Universal Master Card through CitiBank ) and advised them of his death and that I demanded to see a credit application with my signature. I have the original paperwork and it 's in my husband 's name only. He has no estate. They have not sent the documentation which they promised to do in 7-10 days ( it 's been over that time ), instead, they sent a new statement in my name only. I believe that CitiBank is in violation of State and Federal law. Citi/A T & T have not provided any application signed by me. This card was opened in the XXXX or early XXXX by my husband only.

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 2017-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest. 
has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ). 
collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about American express, XXXX and XXXX. I will give account numbers upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Husband was taken to ER and seen by ER doctor before being admitted to the hospital. All claims pertaining to this admission have been paid correctly with the exception of the ER doctor. I believe the original claim was not filed correctly and the hospital was paid instead of the doctor. I have an EOB showing that the amount they claim due was paid to the hospital by our secondary insurance carrier less than one month after the claim was filed. I have been told on more than XXXX occasion that because my husband is the subject of the claim, but not a party to it, the information they can give me is limited. I have made XXXX XXXX XXXX XXXX phone calls to various entities and sent XXXX letter with copies of all pertinent information at my disposal in an effort to clear up this matter. It is my belief that the original claim as filed by the hospital was not done correctly and therefore the funds were paid to them instead of the ER doctor. Much to my dismay I have not been able to get them ( at least they have never told me they had XXXX to go back to the original filing by the hospital to determine if indeed this is actually the problem. If I am correct in this regard, then the hospital owes the ER doctor the balance, not us. I did check with Medicare and was told that they must submit all claims to the secondary insurer as shown on the paperwork submitted to them. When I spoke with the secondary insurer they did assure me that the claim had been paid in full but could not give me the check number ( again because my husband was not a party to the claim, just the subject ). They stated that they would be happy to correct any errors, if any, but the complainant must contact them by phone ( anything written would end up in the infamous " round file '' ). The complainant responded to me after I delivered this message that they could not contact the insurer by phone which seemed absolutely ludicrous to me. Any assistance you can give us in resolving this issue will be greatly appreciated. 
The ER doctor 's organization was advised in XXXX 2016 that any further contact by them or effort to collect this debt would be considered harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I do n't know. I 've answered a few times but no one on the line. Repeatedly 3-5 calls per day beginning at XXXX EVERY DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
This account is listed as XXXX XXXX Account which is violation, also Midland Credit Management states Past Due amount, I do not have a contract with Midland Credit Management. Midland Credit management also reports a 120+ days past due amount, I do not have a contract with Midland Credit Management XXXX Midland Credit Management reports a 1 month term, I do not have a contract with midland credit management. These are all FCRA Violations and I demand deletion or appropriately action will be taken. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: CA

Complaint narrative:
I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX is not fulfilling their representatives promise. 
Before I applied for a credit card from XXXX i inquired if am eligible for the welcome bonus as i may have the card previously and the terms state that you are only eligible of you did n't have the card. XXXX Representative assured me that i am eligible. I explained that i am only applying if i am eligible and the Representative assured me that i am eligible. This took place in chat id XXXX. 

After i received the card american express denied me the welcome offer stating i had the card already. 

card # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Someone used my online account info through a wifi password while I was online during that time. However, I do not know this pert thought I met him through a third party ( friend ) after receiving and email of a mount taking I immediately file the dispute after given by the bank an email regarding he transfer I then knew who it was after given and providing a police report and name of person ( s ) the bank indicated it was a valid transaction and closed my account. They spoke to he merchant and the police ( allegedly ) reportedly by investigation. After I spoke with the police they indicated Amex XXXX did not speak to them. The bank refuses to disclose any other information and constantly hangs up on me after being angry. of course. They fabricated information it seems and they also did a poor job regarding investigation they no once spoke to me only to the pert and allegitlly the officer who took the report all calls are recorded via Amex. How did they concluded a fraudulent act and report and made their findings in 8 days when they never spoke to me and the same person that when I looked up his name that and email was attached to my account ledge from online he has done did more then XXXX person. This will be address by the courts if not by your investigators. They basically limited me on this case and did not secure my identity In fact the same person used what he retrieved on the data retrieval program on wifi from what wa given to me that he 's already access other assets of mine due to Amex XXXX lack of secure system. This will be consider security breach and as well fabricating infor to consumer regarding his rights by the law. I lost my job and have bills to pay due to heir lack of judgment on this case. Why did they call him and never spoke to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 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: CA

Complaint narrative:
I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for a XXXX American Express card and was told that I would receive XXXX reward points upon me spending {$1000.00} on the card within my first 3 months. prior to me applying for the card I explain to the representative or ask the representative I should say if I would be disqualified for the XXXX reward points because I had previously applied and was a proof for the same card in 2014 but I declined to get the card.I was placed on hold and came back as they told me I would still be eligible for receiving the XXXX reward points upon spending my XXXX thousand dollars since I never got the XXXX card.this information was told to me prior to me giving my approval for American Express to run credit for the card now that I have the card and have used a thousand plus dollars on it and have made payment of that money back they are telling me that I wo n't get the XXXX. I asked why would I not get the XXXX points and they are saying because I had been approved for a previous card.I tried to work this issue out with them. I emailed them and contacted them several times and no one has responded to my emails and the supervisors that I 've spoken with said there 's nothing that they 're going to do with the exception of reprimanding the representative as they will not give me the XXXX points that was promised.I was approved for the card under false pretense a false advertisement from Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have asked American Express Credit Card for a authorized user card for my wife on 3 occasions. My credit is perfect and I am in good standing everywhere yet they refuse to right to allow my wife to be an authorized user and refuse to tell me why. My wife has not made any request to the company for credit, I did. So why ca n't you give her the right to use my credit if I authorize it, most every other financial institution does. 

I have total financial responsibility for my account and they ca n't tell me why my wife can not have a card when we both have XXXX, XXXX, XXXX, and any other account we like. I am authorized user on some of her accounts as well, yet they tell me that they can only talk to her as to why she ca n't use my credit and be a authorized user.

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

Complaint narrative:
This complain is a follow up to the response from the American Express since the response raised further question. The original case # is : XXXX. 

Why is the conversion limited to Blue Cash Everyday? Why ca n't I convert the discontinued card to Blue Cash or Blue Cash Preferred? 

The response raised further question. Because American Express purposely delays the rewards unlike other credit card issuers ( 1 month behind giving the earned rewards ), there is an issue if I would not let the conversion goes through. If I cancel the card and apply for the Blue Cash today as it stated on the response, I have to forfeit two months ( XX/XX/XXXX and XX/XX/XXXX since my statement date is on XX/XX/XXXX ) of what I righteously earned. Due to the discontinuation of the card, can you accelerate the rewards so that I can close this Cash Rebate card after I redeem both XX/XX/XXXX and XX/XX/XXXX cashbacks within this month, and apply for the Blue Cash within this month? I just do n't understand why I 'm being penalized for the American Express 's decision on this forced conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
The merchant put a {$50.00} hold on my card, as a deposit at a hotel. The card company made a mistake and held {$350.00}. The merchant and myself both told AmEx that this was a mistake but Amex isnt listening. Now my account is {$250.00} negative, despite that the hotel " forced the transaction '' and made it a charge of {$53.00}. Amex still isnt acknowledging the mistake or willing to fix it. The merchant even told them it was a mistake and tried to do everything they could to correct it but Amex refuses to make any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
HSBC mortgage services did not report my on time payments from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
My insurance company at the time paid the debt owed to a hospital. 

The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. 

When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. 

I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express has changed my promotional 0 % APR to the 29.49 % penalty APR, claiming that a payment by my bank was returned unpaid. However, my bank tells me that this payment was fully honored by them. As a result of Amex 's actions, I have been charged {$54.00} in illicit interest ( in addition to what may be charged on the XX/XX/XXXX statement ), and my {$5.00} payment was not properly applied to my account. American Express customer service representatives have been unable or unwilling to research the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
My mortgage company charged me a monthly fee for a service I was unaware of and hide it under " other. '' I had no idea that I paid {$37.00} for 10 years for a service I never authorized until I got a form in the mail. When I called the home warranty group that sent me the form, I told them I did not have a contract with them. They said my mortgage company had indeed been taking my money for the contract since I signed for my house. I sent XXXX letters to the Mortgage company and they said I was given it at closing. I checked my closing papers and I did not buy a home warranty. The seller bought one for me. I did not sign up for the service. I sent HSBC a copy of my closing contract and asked for the 10 years of fees to be reimbursed. I never once asked for the home warranty and I did not use it because I did know I had it. They have not answer my letter I sent 6 weeks ago. I want my 10 years of paying for a service money back and it was a faudulant activity on HSBC 's part

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened up a citigold bank account using promotional code XXXX in XXXX of this year, in order to receive a bonus of XXXX American advantage miles, I needed to Make at least {$1000.00} in purchases using your debit card and set up bill payment for 2 consecutive months, which I did. I inquired and received this message : Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Good afternoon. Welcome back to Citibank Online messaging, my name is XXXX. Thank you for your messages regarding our promotion. I will be happy to assist you. 

We regret any inconvenience this has caused as it is never our intention to delay incentives for promotions. I have submitted a request to ensure these points are awarded to you in a timely manner. However, we will require a review of the requirements and eligibility to confirm. 

Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. I deposited over {$100000.00} in the account and met the requirements. I was then told that I was not a targeted client and was not eligible for the miles, although i did receive an email, opened the account using the promotional code above, and meeting the requirements, if I was not eligible for the bonus, the application should have rejected my application using the promotional code. I would like to have the XXXX aadvantage miles credited that I believe I am entitled too.

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 non-monetary relief