vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
auto insurance that was paid this company did not represent my interest in a accident without investigation by other company which they did n't report my side to the proper parties just wanted to close there case and settle i later dropped there insurance they tried to quick settle and did not replace my damage parts and inproper vehicle inspection. my monies were paid and they continued to send a final statement of monies owed by me i talked to them several times within that year and they would not provide proof of the XXXX dollars they say i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
I have continually received calls from Transworld Systems about a debt that was paid before it was sent to collection. We found out I was in collection when I received the first call last year. I explained to the XXXX, rude person that debt had been paid. I sent by email a copy of the online banking records. The calls went away for a period of time, only to start again. I have again explained that bill was paid, records were sent and told basically I was a liar. They are calling everyday now. 
I want it to go away. We pay our bills and deserve to be treated as such

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Before I file a lawsuit against Midland my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. Midland Credit Management Inc. has been harassing me since late last year on my credit reports XXXX. ( XXXX United States XXXX section XXXX ( XXXX ) ). I have been in contact with them multiple times sent certified letters to them as well XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference MCM account from your credit file. '' But no action was taken my credit report XXXX currently still shows MIDLAND FUNDINGAccount NumberXXXXAccount Type & gt ; Installment & gt ; Terms & gt ; 1 Month & gt ; Date OpenedXX/XX/XXXXAccount Status & gt ; Closed & gt ; Payment Status & gt ; Paid & gt ; Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. Midland violated XXXX XXXX XXXX ( XXXX ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Company continues to report negatively and incorrectly on my credit report after debt has been paid. 

Continual harassment during collection process. Calling family members, and my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express Platinum card on XX/XX/2016 that included a new account opening bonus of XXXX membership rewards points after {$3000.00} of spending in the first 3 months. I satisfied these requirements on my account and XXXX points were awarded to my account on XX/XX/2016. On XX/XX/2016 there was an adjustment made to my account and American Express removed the XXXX points from my account. When I called, they said some of my purchases did not qualify. I complained that they should have let me know that within the first 3 months before awarding the points and giving the cardholder the impression that all requirements were met. By the time they made the adjustment to my account, it was over 4 months after the account had been opened and outside the first 3 months for the offer. They refuse to grant any sort of extension. The only option they gave me was to file a complaint with their rewards department which will take 6-8 weeks for a decision. If the outcome is not in my favor, I would want to cancel the card however they only allow 60 days for a full refund of the {$450.00} annual fee. After the 60 days it is prorated, so as I am waiting 6-8 weeks for a decision, I will receive less and less of my annual fee back if I cancel the card. American Express is acting irresponsibly by holding the cardmember at their mercy. They entice you to apply for their card with an attractive offer, use a technicality to void the offer AFTER the bonus period, and then continue to hold onto your money while they review your case. I 'm appalled that they can get away with these practices, especially on a premium credit card with a high annual fee. I would like American Express to reinstate the points that they awarded me or refund me my full annual fee if they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I got a credit card from this company and after paying it for two years I lost my job making it hard to pay, now i want to pay this debt off with an agreed amount but this company keeps changing the amount and wont give me a statement as to the agreed amount and if they will remove this from my credit report ... 
please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Threatened wage garnishment for a loan that is not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
In 2007, I had a XXXX Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
i had received a letter from American express requesting financial information. 
I faxed that info to them at XXXX and have a fax confirmation page. they say they never received it. then they abruptly cancel my card. I called them and they told me it was sent to collections. so I did n't pay my bill. I talked to the collection agency about this and they said they cant do nothing about it. seems like a lie to me how can they alt out tell me they did n't get the info and I have a fax confirmation I told them I would pay it in full and they need to reinstate my account and remove the credit reporting since it was their error nothing back nor return calls seems like the planned on doing this on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC Bank suddenly blocked my Checking Account, XXXX credit cards and ATM card after a check I deposited was returned XX/XX/2016. 
I was not even able to view my accounts on-line afterward. I was told the action was initiated by the Fraud Prevention Department of the bank and was directed to talk to them. When I talked to them, they wanted me present the case to my local branch which I did. After a number rounds of talking to the branch people and the department, I was told to contact its Customer Relations Office which I did. The answer I got from it was a letter stating the bank has the right to close my account at any time, for any reason or no reason. I was greatly inconvenienced by their action and lost opportunity to earn over {$1000.00} reward money, let along hours of time spent in visiting and talk to the various individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I called on XX/XX/XXXX regarding fraud on my Corporate AMEX. The card was closed and the representative removed the charge instantly. But because I made a previous payment the Friday before of {$1000.00}, I overpaid. I was told by the rep that a check would be sent to my home in 3-4 business days and a new card would be sent to my home as well. 

A few days later, I called AMEX back to find out where my money is and they explained that due to the holidays, there would be a delay in receiving the check but to be patient. I call back a few days later to track down the card and it had finally been delivered to my HQ in XXXX ... it was being held in XXXX due to our offices being closed for the holidays. 

I call back again XX/XX/XXXX and was told by a rep that the check had not be cut yet because there had to be a 2nd step authorization from one of the administrators on the account : XXXX XXXX or XXXX XXXX. He asked me to call XXXX. I did. She was on the phone to verify and to release the check to me immediately. She also stated that our company does not have this stipulation on any of our accounts. 

I spoke with XXXX in the Corporate Customer Dept. at ext. XXXX and she said that there was already an authorization given and that the check had been cut and sent on XXXX XXXX, XXXX via XXXX. I asked her who did they get the authorization from if we were closed for the holidays and she did not answer. I asked her for the XXXX Tracking Number and she said that she could not provide me with that information. She gave me a reference number ( XXXX ) and said that i would receive the check on Wed. XX/XX/XXXX. 

At XXXX EST, I arrive home and no UPS notice. I immediately call AMEX and try and find out what is going on. I get a rep on the phone who puts me on hold to find out where the check is. He comes back on the line and tells me that the check has not been processed and that I would have to wait. They put me on the phone with a Supervisor - XXXX and she says that there is no record of XXXX XXXX saying yes to releasing the funds and that she will need to call the Corporate Card Services in order to release the funds. 

I am so upset about this entire process. I have been lied to and I feel like I will NEVER get my money back from AMEX. This is crazy. I will be consulting an attorney

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ON XX/XX/XXXX I WAS AT A PLACE CALLED XXXX XXXX AT XXXX XXXX XXXX XXXX FL XXXX PH XXXX AT THE CASHIER - WAS TRYING TO PAY FOR REPAIRSS TO MY XX/XX/XXXX XXXX MOTORCYCLE AND THEY SAID THEY WANTED TO MAKE COPIES OF MY CREDIT CARD FRONT AND BACK AND A COPY WITH MY FLORIDA DRIVER LIC - I SAID NO - BUT THEY SAID IT WAS POLICY AND THEY DID THIS TO ALL CUSTOMERS - I BELEIVE THIS IS A BAD AND POSSIBLE ID THEFT AND FRAUD IN THE MAKING - YOU NEED TO INVESTAGATE THESE PEOPLE BEFORE THEY STILL PEOPLES MONEY AND ID ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My complaint is with American Express, A couple years ago I did the Soldiers and Sailors relief act to get my interest rate reduced with them. Since that time I have made some purchases which are subject to the 9.99 % APR on my Credit Card. I have no issue with agreeing that I owe interest on that amount. What AMEX is doing is actually doing when I make a payment, they are increasing my Purchase amount on my Credit card and lowering the amount of the 0.0 % rate. I have not made any purchases on my credit card since XX/XX/XXXX, and since then they have increased my amount by the interest amount. Nowhere in my bill or Terms of Service does it state that interest is a purchase. By doing this American Express has increased my purchase amount by {$50.00} dollars which is subject to the 9.99 interest. Even though I have no made any purchases start from XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: MOHELA
State: IL

Complaint narrative:
Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i had fraudulent charges on my american express banking account, and i filed a claim with them, but instead of returning my money that is supposed to be insured, they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a store credit with XXXX with a balance due of {$560.00}. The balance went unpaid and XXXX sold the account to a collection agency. In the process, I paid XXXX the full account balance. XXXX is reporting on my credit that the balance of {$560.00} was written off even though they received the full payment. The collection agency is reporting a balance of {$560.00}. After several disputes with the credit bureaus and with XXXX, the information is still incorrect on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 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: TX

Complaint narrative:
There are XXXX separate accounts listed on my credit report. XXXX is a loan issued by XXXX and the other is a medical credit card issued by XXXX Bank. I have disputed both of these accounts. I never received a loan & the medical card was issued to my mother. Both accounts have now been sold to a Midland Funding , LLC & they call at all hours of the day & night and start yelling as soon as I answer. They call while I 'm in school. I 've told them the accounts are not mine and I 'm not sure how they got my phone number as I 've never applied for them. I was in High School when the loan was issued & I 've never had more than a part time job between semesters. I 've tried to explain this to them but they wo n't listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 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: AR

Complaint narrative:
In XXXX I had a phone with XXXX. They were bought out by XXXX wireless. My phone bill was always paid on time. when XXXX got the XXXX company my bill doubled. I went to the local XXXX store and disputed the amount. They could n't explain the charges just said it 's on the bill I would have to pay the charges. So I wrote them a letter cancelling my phone account. I was paying my bill a month I advance. This is always a practice when first getting a cell phone. You paid your deposit and the first month bill. My bill was the same every month based on the package I had purchased. Their was no data charges at this time, just roaming and I had unlimited roaming. I was current until I got that bill, which mean I was already paid up if I no longer used the phone. The other charges that was on that account they were charging me for was not mine. I told them that at that time when I disputed the charges. 
XXXX sold that account to Midland Funding LLC. who is now on my credit report. They are trying to collect a faulty debt through deception. XXXX did not give them all the evidence. Midland Funding LLC never did the basic check to determine weather I actually owe the debt. Midland Funding never sent me a copy of what XXXX had sold to them, so I could look it over. Mid Land Funding LLC just started trying to collect a allegedly debt. I did not know Midland Funding LLC was on my credit report until I reviewed it in XXXX/XXXX/XXXX. Information Midland Funding LLC reported to credit bureau, was Date open XXXX and XXXX XXXX with a balance of {$970.00}. Midland Funding LLC then reported again to the credit bureau on XXXX. This is I checked my credit report, I think they are trying to hurt my credit score and scare me into paying that bill. When I disputed this account back in XXXX the amount we was discussing was not near {$970.00}. In XXXX of XXXX the Consumer Finance Protection Bureau found XXXX guilty of third party billing ( cramming ) as far back as XXXX. On XXXX of XXXX, XXXX the Consumer Finance Protection Bureau found a collection agency XXXX for collecting millions taking consumers to court for the same practice. The Courts and the Consumer Finance Protection Bureau warned companies should think about liability. Because firms are in their names, filing and trying to collect things that are not accurate. I do n't even know this company and have never agreed to do business with them. I just started receiving bills from them this year. It only had the original Creditor name on it and the amount along with there information where to mail payment. It says we ca n't sue because of the age of the debt, but they will keep reporting it to the credit reporting agency as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express sent me an offer that I would receive 5 % back on XXXX XXXX purchases, and added previously undisclosed limitations after the purchases were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX in 2011 and it ended up being shut down. I originally got my private loan through XXXX which they now transferred the loan over to UAS XXXX and I ca n't afford to make the payments and feel that if Im able to have my federal loans forgiven that I should be able to have my private loans forgiven or some sort of help with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management continues to make multiple calls to my home on a daily basis, seeking to collect on a debt that belongs to someone else. I have told MCM that I am not the person they are seeking and do not know anything about this person. I have asked them to stop calling my number, which I have had for more than 20 years. The calls continue but when I pick up no one is there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have been going and going around with this company since XXXX 2015. I have paid this debt in full to them. I have sent copies of all my payments to them by fax, called to discuss this 9 times and never get it resolved. I never get calls back and get different balances when I call. They have threatened with garnishment and still have incorrect balances. This debt is paid in full and are very frustrated over trying to resolve this. I have also sent a letter to the court!! HELP!!!!!

Company response to consumer: Closed with non-monetary relief