vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Loan Corporation
State: FL

Complaint narrative:
Is it possible to get a history of my student loan consolidation that includes loan numbers, loan types, the funds that were dispersed and the names of the institutions that were paid. It has been frustrating, i have called servicers, lenders, dept of ed, XXXX, numerous times for information. No one seems to have the details. Is there any way I can find this information so I know the loans that i have paid. There are discrepancies between my records and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express cancelled our XXXX American Express credit card account, but did not disclose that we would lose the cash rebate we had earned. The week of XXXX/XXXX/16, my wife had called to cancel the American Express XXXX Credit Card. She was told by a customer service representative that we could apply our cash back rebate of about {$15.00} to our final bill or we could receive it as a check. My wife was not able to complete the transaction because she was not the name on the account. I called American Express on XXXX XXXX, 2016 to cancel the account. The representative cancelled the account before I asked about the cash back rebate. At that point in time she told me that the only way XXXX could get the cash back rebate was to enroll in the XXXX XXXX program for XXXX. The very reason we were cancelling the XXXX American Express is that we do n't want to enroll in the XXXX XXXX program and were told by American Express in order to not be automatically enrolled we had to cancel by XXXX XXXX. I spoke to a manager who confirmed this information. I told the manager that we had been told we could apply the cash back rebate to our bill and that American Express had not disclosed that we would lose the cash back rebate by cancelling the card. The manager informed me that American Express was opening an investigation and that I could call back and get information in 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX 

My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have a payment plan with American Express and money management international which has been paid on time but Amex is showing no payments received since XX/XX/XXXX. My credit score has dropped by XXXX points and I am not getting any response from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I filed a chapter XXXX bankruptcy in XXXX XXXX. The debt/account was opened in XXXX XXXX. In XXXX XXXX the chapter XXXX was converted to a chapter XXXX.Due to the conversion any debt that was due at the time of the conversion XXXX XXXX XXXX XXXX is now discharged XXXX XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have sent MCM an letter, the bankruptcy conversion info and the case law. No action has been taken by them to remove this account from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I specifically told my auto loan company ( XXXX XXXX Toyota Finance ) I would not give them the name of my workplace or the number. The following day they contacted me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: CA

Complaint narrative:
XXXX and Midland Funding are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I signed up through an XXXX and Americanexpress.com website advertised promotion. XXXX XXXX Frequent Flyer Milers Bonus after XXXX USD in spending within 3 months. 

After completing the offer within the 3 months, I was only provided XXXX Frequent Flyer Miles. This offer has been running for the most part of the year including the time I signed up of which I was referred directly from XXXX website for the promotion. 

I tried to settle the issue with American Express. American Express is telling me they did not offer that bonus at the time, when there are numerous websites archives documenting at the time period I signed up that they were indeed offering that promotion. I also have a copy of the form I filled out which shows the terms and conditions of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express has misguided me into closing my platinum card account, saying I could still use my XXXX membership rewards for 45 days once the card had been closed. Once the card was closed I could no longer redeem these rewards. I have tried to reopen the card to use the rewards, but American Express have rejected my application to reopen the card citing credit reasons. I feel I have been treated unfairly, and having been an American Express cardholder for 11 years, now feel cheated out of my rewards by having been advised to close the card and stipulated to that I could still access these rewards.

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

Complaint narrative:
I signed up for the American Express Platinum card under a XXXX XXXX point offer that required {$3000.00} of spend in the first three months. After meeting the requirements for {$3000.00} in spend, I received the XXXX XXXX points on XXXX XXXX, 2016. I was initially frozen from using these points for one month, per AMEX policy. Once the month was done, I was able to transfer XXXX points to an AMEX partner, XXXX, through the AMEX XXXX website. However, upon logging into my account a week ago, American Express had taken back the XXXX points they had given per the terms of the credit card agreement. I have tried to reach out to American Express via both online chat and by telephone. Online chat directed me to call American Express directly, whom then told me that they would call with a resolution in 2-3 business days on XXXX. As the time has passed and I have not received a resolution to the missing XXXX points, I am writing the CFPB with the goal of being proactive in getting these points readded to my account. 

In the telephone call with the representative, he made a point to note how I received the {$200.00} airline reimbursement on my card ( a perk of the Platinum card- {$200.00} annual airline reimbursement ). I told him that I applied online through the AMEX website and selected XXXX as my partner. I have seen reports online that the reimbursement on these cards has triggered a pullback of the XXXX XXXX points ; this may have something to do with the error in the system. Regardless, I met the appropriate requirements for the card 's offer in question and now the XXXX points are missing from my account. 

To summarize, I met the requirements of the card 's offer I signed up for ( {$3000.00} spend in the first three months=XXXX XXXX points ). I was given the reward In XXXX and had the reward taken out of my account in XXXX, leaving me with a negative balance of XXXX points ( XXXX XXXX points ). There was no explanation for why the points were taken away from AMEX, even after repeated attempts to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems Inc XXXX TSI XXXX., a collection agency ( XXXX ), has not contacted me regarding a medical debt that this CA is reporting on my consumer credit file. This agency is in violation of the FDCPA for not disclosing my rights to dispute this debt. 

TSI is in violation of XXXX laws pertaining to reporting " medical debts '' to the ( XXXX XXXX Credit Reporting Bureaus before XXXX 6 XXXX months of last payment and not allowing sufficient time for my medical insurance to cover the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XXXX/XXXX/2015, I purchased an XXXX & XXXX XXXX from an organization known as XXXX with an effective date of XXXX/XXXX/15. My monthly premium was supposed to be {$36.00} but when I received my receipt via email, I realized that I was charged a total of {$120.00} for down payment via American Express ending in XXXX. I contacted XXXX to cancel my policy on XXXX/XXXX/2015 but was told that I am unable to cancel because I should have cancelled it at least 2 days before the effective date of my policy. This cancellation policy was not disclosed with me before I bought the policy and the receipt I received does n't address how to cancel my policy. I talked to American Express to dispute the transaction but it appears nothing was done and all my documents have been rejected without any good explanation. I submitted my receipt and a copy of my policy which was requested for by American Express but I received the following email : Hi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToXXXX XXXX - XXXX XXXX, XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigation. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 
Thanks, The American Express Serve TeamI contacted customer service on XXXX/XXXX/15 to reopen the dispute but was given the run around and was not allowed to speak with the dispute team. I believe American Express is treating me differently because of my national origin and need them to explain why my documents was rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: LTD Financial Services, L.P.
State: NY

Complaint narrative:
Company contacted my employer about alleged debt, as well as numerous members of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
We have never had a loan with HSBC XXXX. When I phoned XXXX and inquired WHY this is on my report and WHAT is it - they basically told me they purchased the debt account from HSBC and did n't have full details available to share. That is unacceptable. 
This is very unfair to have this negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
I paid debt in XX/XX/XXXX have a legitimate release of liability and the collector that is contacting me 7 months later is saying they will have me arrested if I do not pay them immediately and that they tried serving me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: AR

Complaint narrative:
I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. 
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a been a valued AMEX cardmember since 2004. I have a flawless payment history with them and have a credit score over XXXX. 

I received a call from AMEX Financial Review on Wednesday, XXXX XXXX, questioning my ability to pay for the credit cards I have with them and the new credit cards I have signed up with them. One was in response to a targeted letter offer, and 2 others for a personal and business credit card. 

AMEX threatened that I give them permission to request my tax info from the IRS, or else they will shut down my entire account with them. I have never received this before from Amex. It is very shocking because they are demanding to see my private financial information. In response, I have paid off one credit card in full, and planning to pay off the remaining one within the next few days. I do not know what else I should do. I refuse to allow anyone threaten me and violate my privacy. 

What should I do here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Re : Unknown/Unconsented wage garnishment To the honorable CFPB, Please be advised that I XXXX, XXXX is a widow and XXXX challenged by XXXX, I implore the CFPB to assist me in recovery of unconsented dispossession of much needed XXXX wage/s by an unlawful debt collection violating the FDCPA and other laws with possible collusion. 
I just started seeing money missing from my pay check and noticed an unknown and unconsented garnishment. I communicated with the Office of payroll and was sent the attachment letter. 
I was never served or received any NOTICE by either parties noted as debt collector ( Sheriff ) and alleged creditor ( MIDLAND FUNDING LLC ) with some sort of judgement. 
This alleged debt is hereby disputed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX, 2016 at XXXX, I purchased XXXX {$25.00} prepaid American Express gift cards from my local XXXX store for {$83.00}. ( {$25.00} + {$2.00} fee ) XXXX. 

None of the cards have ANY balance on them. They were never activated, even though I paid for them. I contacted the store, but these gift cards are unreturnable. I called American Express, but I always get transferred to people who do n't speak native English and it 's hard to understand, and they are unable to transfer me to anyone who speaks native English. 

Their customer support refuses to activate the gift cards, even though I paid for them. All XXXX cards are useless, and I have no recourse.

Company response to consumer: Closed with explanation