vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending
State: NC

Complaint narrative:
In XXXX of 2015, I set up a XXXX month forbearance with Genesis Lending in which they would deduct {$40.00} every month for XXXX months. I received a letter stating what was set up over phone and another statement stating that it was going to deduct on a particular date as I had set up in XXXX and the payment was deducted accordingly. My father, who is a co-signer on this loan received a letter dated XXXX XXXX, 2015 stating that this account is past due and payment was owed immediately. I called Genesis Lending and was told that my forbearance was processed incorrectly and that the last associate I spoke with was wrong in the terms of repayment that they offered me. But because this was their mistake, he offered to fix this for me and to put a new plan of forbearance in for processing that would be {$40.00} for 6 months, {$80.00} for the next 6 months and then {$160.00} for the following 6 months. When asked why I had not been advised as to this processing issue he stated that a representative had called me on XXXX XXXX, 2015 and was unable to leave a voice mail. I never received a call from Genesis Lending. When I asked why I had not been notified in writing he responded with " I do n't know ''. I got no answers, but just an offer to change my forbearance plan to something I did n't originally agree with. This company has not learned its lesson and is BAD business. 

I attended XXXX XXXX in XXXX, GA from XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express frequently sends me offers that include benefits like Return Protection. I began using my Amex card exclusively for large purchases because of the suite of benefits that it advertises. When I attempted to use the protection benefit after I changed my mind on a watch strap purchase that, per the store 's policy, can not be returned, American Express refused to honor their benefit. In their words, my watch strap was excluded because it is considered a watch or jewelry. I read their benefit terms and conditions very closely, and I appealed their decision, arguing that a watch strap is neither a watch nor jewelry according to multiple common definitions. Amex refuses to follow common definitions and instead lumps this into a jewelry/watch purchase for the purpose of avoiding having to honor their protection benefit. 

I feel this is deceptive advertising to lure customers into using their credit cards with intent to avoid providing their customers with promised protections whenever they can loosely categorize a purchase into one of their excluded categories. A watch strap is no more a watch or jewelry than a power cord is a tv or laptop or a shoelace is a shoe. 

I 've learned my lesson not to trust Amex 's " benefits '' but I still feel this matter is unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Transworld Systems Inc on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Transworld Systems Inc still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: IL

Complaint narrative:
In XXXX XXXX, I discovered that someone had stolen my identity and opened various accounts. XXXX of these was a XXXX credit card. After finding out, I immediately called XXXX to report the fraud. They closed the account and issued me a letter acknowledging that the account was fraudulent and discharging any responsibility I might have for it. Around XXXX XXXX I received a letter from Midland Funding LLC attempting to collect this debt. I immediately called Midland and explained the situation. They told me that the collection would be removed from my account. I have talked to them three times since then and they are still attempting to collect a debt that does n't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
the policy with XXXX was never renewed due the fact of the changes on the policy. The representative of XXXX on XXXX in he city of XXXX XXXX XXXX, XXXX XXXX tripled the policy amount by including under my insurance persons I did not know and never met. This was brought to the attention of the representative as soon as XX/XX/XXXX. After the disagreement several changes were made with which did not agree still. 
After that phone communication with XXXX 's NEW assistant I walked in the office to let tem know what I did not wish to have them as my agents any further and that I was shopping other places for insurance. as a matter of fact I am insured now under XXXX and when XXXX representative XXXX XXXX fond out that I got insured Though XXXX send a false bill to TSI. Note I received the debtor 's false collection only days ago, XX/XX/XXXX.XXXX should be ashamed of being represented by thieves. 
this claim can be supported by e-mail contacts between myself under XXXXXXXXXXXX and XXXXXXXXXXXX. That might be the reason why the representative did not include the electronic communication. 

respectfully, XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld System Inc. placed a collection account for {$310.00} on my credit report without sending a letter to me. 

I have no knowledge of this account as it seems that Transworld System Inc. purchased this account from another creditor. Transworld System Inc. violated the FDCPA Collection Practice by placing this collection account on my credit record without notifying me in writing. 

I request that you please verify the following information:1. Full original account number. 
2. Date original account was opened. 
3. Any written agreements between myself and the original creditor stating that this debt is owed. 
4. Full account summary on how these charges added up to {$310.00} and an itemized calculation of alleged debt. 
5. Date of first delinquency. 

If Transworld System Inc. is unable to provide the above identifying account information, this information must be deleted from all CRAs. 

Transworld System Inc. also failed to follow FDCPA giving the consumer time to dispute or validate the alleged debt within the allowed XXXX-day time frame that is allowed by law. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hello - I am a American express credit card member and have a XXXX credit card. 

For the last many months, Amex has been sending me emails on Serve prepaid card and has also send me a physical copy of the card. 
After waiting on the line for 75 minutes, when I requested them to close the card as I did not request for it, they came back saying that unless I spend a minimum of {$50.00} on the card, they would not be able to take any action on this card. 

1. I never requested for the card 2. I keep getting unwarranted emails from them 3. After spending more than an hour on the phone, I am told that I am not authorized to close the card that I did not ask in the first place. 

I am not sure I understand the logic here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been served with an income execution from XXXX XXXX sheriff concerning a judgement supposedly filed XXXX. It is from an attorney representing Midland Funding , LLC. I have never received a judgement for this. I have written a letter to them requesting a copy of the judgement today. Also, they have taken and amount of {$9800.00} from XXXX XXXX, 2007 and now say the amount owed is {$19000.00}. How can this be? There is no record of a judgement on my credit report either. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My year was up therefore I decided not to renew my American Express XXXX XXXX XXXX XXXX. I called them and asked them to send my {$100.00} reward and do not renew my card. They declined to send me my reward and told me that because I choose not to renew my card I lose my reward. This is wrong. I have zero balance since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express mailed me a promotional offer for a American Express Business Platinum Card, with XXXX American Express Reward points promised if I spent {$20000.00} within the first 3 months of opening an account and XXXX American Express Reward points if I spent {$10000.00} within the first 3 months. 

I have had an AmEx Platinum card before, and I specifically asked the representative on the phone, " Do I qualify for points even though I had a card in the past? '' She replied, " Yes, you do qualify for the points. '' I banked on her promise, accepted the card, paid the membership fee, and planned to use the points for a trip with my fiance later this year. 

Now, I am told because the XXXX explicitly say that those who have used this card before do NOT qualify for the points, I am no longer entitled to them. However, I DID EXPLICITLY INQUIRE ABOUT THIS ISSUE, AND I WAS PROMISED, BY THE REP, THAT I WOULD STILL RECEIVE THE POINTS BECAUSE I HAD NOT HAD A CARD FOR A LONG TIME. 

I want American Express to provide me with the XXXX points to which I am entitled : they send flyers to people promising them something, and if their marketing strategy is to deceive people who do NOT qualify for a promotion a promotion, they are acting in bad faith and should be punished for deceiving the public and causing harm to not only me, but those more vulnerable in society who ca n't assert their rights like I can. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
After submitting a complaint Amex ( or their computer ) sent what appears to be an automated response to my complaint that did not even address the specific issues I raised.Please review and respond to the following specific issues : Amex solicited me with an offer using their data base. Before activating the card, I asked the agent to confirm the terms and conditions of the offer ; specifically if I was eligible. I was told I was eligible and I have a recording of the call. I fulfilled the terms and conditions yet Amex denied the benefit. Amex has the data base, they knew or should have known that they had no intention of honoring their solicitation. Amex should not have sent the solicitation and their agent should not have told me I was eligible. Therefore, Amex should honor their offer of XXXX points. 
The Amex response reads like a form letter that completely ignores these salient facts. 
Lastly, I formally request Amex provide information regarding initiating arbitration/mediation of this matter as per the cardholder agreement. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for the XXXX Card from American Express where in they promised : Get XXXX XXXX XXXX Bonus Points after you spend {$3000.00} in purchases on the Card within your first 3 months of Card Membership. 

I did spend the amount as shown in the attachments and still i havent't got my bonus. 

I think i deserve the bonus and there 's no reason I should be denied after approval of the card. If AMEX is saying that i was not entitled for the bonus, then my question is why did they approved the card at the first place and kept in dark for 2 months where i spent more than {$3000.00} on their card. I would not have done that if I was aware of this outcome. 

I would really appreciate if you can take this matter to AMEX and get me my deserved XXXX points. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
These representative called and told me I was facing court charges if I did not pay ASAP. So, I scheduled payments. i believe they were lying and misrepresented someone who they are not. This company is Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Does not adhere to 15 cease and desist notifications. All I want is all communication to be in writting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
After reviewing all of my student loans online I realized that I never opened a private student loan with XXXX XXXX. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through XXXX XXXX. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with XXXX XXXX I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs. 

Sent from my iPhone

Company response to consumer: Closed with explanation