vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 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: CA

Complaint narrative:
XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... 
THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... 
THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! 
DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
locked my debit account for no reasonno /rude customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Amex violated XXXX I applied for an American Express because I saw an offer for obtaining XXXX bonus points for signing up for an American Express card. I was approved for the card, but only receive XXXX points. I contacted Amex customer service soon after my account showed only XXXX points and told them that I had a screen shot of the offer that I clicked to apply for the card. I sent the screen shot to Amex and they opened a case for me. I waited about one month and did not get any updates or status on the complaint. I contacted Amex through their live chat option and was told the case was closed. I asked them why and they did not provide a reason other than the offer I clicked on was for XXXX bonus points. I explained to this rep that I sent proof of the offer. The rep then stated that she would have the case re-opened for review and that someone would get back to me. Again, no one contacted me, so I contacted Amex through live chat. Basically, the customer service reps on live chat do not provide me a reason why I did not get the XXXX points even after I sent proof of the screen shot of the Amex offer that awarded XXXX. 

I thought Amex had a reputation for great customer service. What I learned from this experience is that Amex uses a bait and switch tactic to entice customer to apply for their cards to get a certain number of bonus points and do not actually provide those points. How can a mega-company like Amex get away with this? I 've read online that Amex as been cutting costs, especially the customer service area, but they have cut costs to business practices online to avoid following the federal unfair, deceptive and abusive acts an practices. Please help. [ note that I 'm assuming that the XXXX points that Amex deceitfully withheld from me is worth about {$200.00} ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I had recurring loads set up on my prepaid card account. 

On XXXX XXXX, I had a scheduled load for {$200.00}. I went to a restaurant and left a tip. 

I came home to find an email informing me that the ability to load my account had been terminated for no apparent reason ( the customer service reps refuse to tell me why either ). The {$200.00} scheduled load did not go through. 

The amount in the account was enough to cover my meal, but when the tip posted it left my account with a - {$2.00} balance. 

Since XXXX XXXX, I have attempted to pay the - {$2.00} balance multiple times including multiple phone conversations. Serve will not allow me to load my account but consistently sends me warning emails that my account has a negative balance. 

I want to be able to pay them their {$2.00}, but they wo n't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am losing my home and thus will have a physical address and my credit card, American Express, requires one for my account. Apparently this is a requirement for the Patriot Act but if I do not have a physical address, I can not provide one. What do those of us without physical addresses do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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: FL

Complaint narrative:
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
MY account was closed with American Express bank, but i never received the money that was in my account, there was about XXXX dollars still in my account when the account was closed, and i have yet to received the money and its been MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
My husband and I live in XXXX mn our current mortgage is with HSBC and we just received a letter from them stating our mortgage is being transferred to XXXX XXXX XXXX. Our mortgage is current and up to date. Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC
State: GA

Complaint narrative:
My lender has made it so difficult to access the payment system that this is an active attempt to prevent people from paying their mortgage. They use a CAPTCHA system that frequently cuts off the verification string so it can not be entered correctly. On top of that, they permanently lock your account after XXXX failed attempts, forcing you to call customer service and hold for lengthy amounts of time for a representative to unlock it. They do not allow you to verify before they rush you off the call and, on more than XXXX occasion, they did not actually unlock my account, forcing me to repeat the process. I 've complained to the company and they simply do not care. This is a punitive system to force people into paying late fees or even default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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: MA

Complaint narrative:
Received a letter from Midland Credit Management , Inc. with information on an account which is not mine, implying that it is and that I must make payments on it or else they will take legal action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have made repeated attempts with XXXX XXXX to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Closed American Express account a few months ago. Have several return/credited items that posted after the account was closed and paid in full, for a total credit of {$260.00}. Have tried to get American Express to cut a check for the credit, but they have not cut the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have requested to provide proof of the debt, copy of statements, State the amount of the debt when you obtained it, and when that was, etc ... They were not able to provide any proofs and continue to report the debt to the collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
I missed a monthly mortgage payment earlier this year as a result of a temporary shortfall in income. At the time I made the decision not to pay the monthly payment, I had a solid plan in place to get the account back to current within two months based on the return of scheduled income. Once I fall behind XXXX days on the account, the bank got involved and started introducing a series of bank programs and processes that made it increasingly more difficult to get back to current. These programs were accompanied by additional fees and charges, as well as the fact they bank would not accept monthly checks but required XXXX check only for the sum of the total due. They issued multiple letters with inconsistent terms and conditions and proceeded to change their positions as to which letter was the letter of record. Net result was what was XXXX days past due approached 90 days past due ( totally due to bank policies and programs ) not my ability to pay. These policies and programs generated additional revenue for the bank, and caused unnecessary hardship and stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 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: CA

Complaint narrative:
I have continously requested for debt validation and verification from this company. They have used tactics that reflect their non compliance with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
on XX/XX/2016 at XXXX mountain time I went to XXXX and used the ATM to withdraw XXXX dollars. I input all the information that was required to get funds. The ATM went into a mode as if it was going to release the funds. The screen went blank before the money came out. The screen came back on in a red background with error message that ATM was down. I called the American Express Serve and was told I had to file a complaint which could take 10 to 45 days. I contacted the bank and was told they knew about it and since I did not have a account with the bank that they would have to go by my bank. I sent all the information in to dispute the charge and also had the bank manager call in to see if they could expedite this matters. They could n't explain to us how to contact the owner of the ATM and that on XX/XX/2016 will be the next update and that they will then issue a provisional credit. I called in everyday asking that they email the dispute department asking them to give me the contact information to the owner of the ATM so that I can contact them to see if I could get this issues resolved quick. They never contacted me until XX/XX/2016 when I was told in a email that the ATM provider confirmed the funds was dispensed. I called American Express Serve and was told it was closed and that they will only reopen if I can get new information. I called XXXX who the bank said was the contact as owner. I called them and was told they only services them. They did not have the owner information. The video will show that no money came out at the time I made my request. My money was taken and there is no way to get owner information and I have only 10 days to get new information or my money is taken away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: CA

Complaint narrative:
The company 's name is XXXX XXXX XXXX and they represented that they consolidated loans on behalf of the U.S. Dep't of Ed. 
I received a letter in the mail explaining to me that I might be eligible for a better consolidation of my education loans because of a program with the federal government. It directed me to XXXX, and told me to register there ( to save time ) and then call a number. When I called the number, they told me to download loan information from the XXXX website and email it to the customer service representative -- which I stupidly did ( I CAN NOT believe I did this but the letter was convincing that they were working on behalf of the department of education ). They asked me questions about my income to see if I was eligible for income-based reductions. They then eventually explained that they were a document preparer and that they could facilitate a loan consolidation that would reduce my interest by % XXXX if I paid {$790.00}. I then got off the phone. 
I can not believe I was duped into providing them loan information. I feel scammed. It is NOT a credible organization. The number I called was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from XXXX in XXXX, WI and they sold a false claim to them in the amount owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA

Complaint narrative:
Back in XXXX, we filed Chapter XXXX bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the " bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately XXXX years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to dispute this but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Starting on or about XXXX, 2014, Transworld Systems Incorporated called my personal phone and alleged that I owed a medical debt amounting to {$1300.00}. I responded that the medical fees should be {$450.00}, but the caller responded that the {$900.00} was an additional expense in addition to the {$450.00} medical fees. The {$900.00} additional expense was not explained any further. 

After this phone call, I called the hospital to which I owed the medical fees, the hospital confirmed that I had medical fees amounting to {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: MA

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX XXXX an account manager at Midland Credit Management. According to XXXX XXXX, the Account XXXX at Midland Credit Management, this account was opened on XX/XX/XXXX. XXXX XXXX stated that {$920.00} was outstanding on this XXXX account. I spoke with XXXX 's Fraud Department and they have no record of this account or of selling this account to Midland Credit Management. XXXX XXXX XXXX an account manager at Midland Credit Management would not provide me with additional information on this account and informed me that I would need to file a police report in order to resolve this matter. I then went to my local police department and filed an identity theft report. I called Midland Credit on XX/XX/XXXX and spoke with XXXX XXXX again and he insisted that I owed {$920.00} to his company. I informed him that XXXX has no record of an account being set up in my name. I asked him who his company bought this debt from and he stated, " I can not provide you with that information. '' I asked him if his company was trying to defraud me and he said, " Would you ask a thief if he was trying to steal from you. '' XXXX XXXX then quickly hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMEX accepted a charge from a merchant against my account. I disputed it, as the merchant was a third party ( XXXX Mortgage ), did not have my authorization to charge my account, and the party that I had a relationship ( XXXX ) had indicated to me that no charges would be made, partially due to malfeasance by the third party and its agents. To respond to the dispute, the third party provided written documentation to AMEX stating that they were a telemarketing firm and had to charge people to stay in business, and provided a copy of my agreement with XXXX as proof. AMEX accepted that assertion as proof and closed the dispute. I fail to see how either was adequate. AMEX has since just told me that they really do n't process the dispute - it is just if they receive any response, they close it. Since AMEX closed my dispute, I have been fighting with AMEX to get them to look at their dispute process as the XXXX XXXX had no standing, and their accepting the charge and closing the dispute, when they were provided written evidence that they third party had no standing, were both evidences of broken processes within AMEX. I 've spoken to many CSRs and supervisors in card services at AMEX, and they all claim that there is no way to flag a call to have this matter looked into, there is no internal audit or internal controls group at AMEX, there is no Executive Customer Resolution center to escalate to, and all just basically dismiss my concerns. One call wen tot XXXX, but language difficulties prevented me from even getting them to understand the problem. XXXX call did get escalated to Fraud in XXXX, but they explained that they are n't really Fraud they are only set up to deal with Identity Theft. Based on this experience and other recent issues with them, I am in the process of closing a thirty-plus year relationship with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I applied for an XXXX card under a promotion for a bonus of XXXX of their Membership Rewards Points after spending {$3000.00} on the card. I have spent over {$5000.00} on the card, and the Membership Rewards have posted to my account, however, when I tried to transfer them to my XXXX account as XXXX to complete an award ticket transaction, XXXX told me that the points were " under review. '' I called their fraud department and they said that there is no investigation ongoing in my account. I called their Membership Rewards line and was told that it would be 6-8 weeks for resolution. My points had already been " under review '' for nearly 5 weeks, yet my card works, and the website indicates that I have over XXXX miles that can be transferred. No indication from XXXX that any problem existed with the points. When talking to a membership rewards manager, she told me that XXXX was freezing the points for everyone who applied for the offer, and there was nothing she could do. Its frustrating because XXXX is holding the last XXXX award business class seats for me to XXXX for only the next 12 hours, and after that I will lose them. XXXX holding my points hostage without notification is going to cause me to lose nearly {$9000.00} in airline reward tickets. They should have notified me that there was a review ongoing, instead of pulling out the rug from under me. According to the membership rewards manager, they are doing this to everyone. This is going to cause me to lose {$9000.00} in airline tickets and ruin my vacation plans.

Company response to consumer: Closed with explanation