vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 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: OH

Complaint narrative:
Mohela is my current loan servicer. They are reporting on my credit report that I was 90-120 days delinquent in XX/XX/XXXX-XX/XX/XXXX. I contacted Mohela and they indicated that it was transferred over delinquent from XXXX loan servicing. I know that I have never been late. They said to call XXXX. I called XXXX they have no record of servicing my loan since XX/XX/XXXX. XXXX said to call XXXX XXXX, XXXX XXXX has n't serviced since XX/XX/XXXX. I called XXXX and XXXX and nobody has serviced this loan since I consolidated XX/XX/XXXX. I have called the student loan servicing help line, the nslds.org, website and assistance number, and the student loan support center XXXX. Nobody is able to provide this information, nor do they show any delinquencies. I am unable to verify the information provided, and XXXX is unwilling to verify the information that they received when transferred over. If they are reporting on my credit report based on information received from a previous provider than that appears to be faulty. I am asking that Mohela verify the information that they received when the account was transferred and/or correct my credit report as required by the FCRA ; and therefore it is a violation of the Fair Credit Reporting Act.. Per Mohela my account was transferred over delinquent in XX/XX/XXXX ; and continue to base their reporting off of inadequate and unconfirmed information and due to this violation I am requesting my credit report be updated as required by law.

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: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Supposed debt is from a XXXX on XXXX/XXXX/14 ; discovered open collections while checking my credit score. Disputed & was informed by both XXXX and XXXX that the report of collection was erased. Now, 3 weeks later, I got a bill from Transworld for {$1500.00} and change. This is literally the FIRST communication I 've received from them EVER regarding this debt. Was still paying off XXXX bills a year ago & called XXXX to settle up with my tax refund. Was told my balance was XXXX and that I owed nothing. Asked for & received confirmation that this was correct. Not once in the last year have I gotten any phone calls or mail from Transworld, and now, AFTER the issue was supposedly resolved, they are telling me I owe over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I never received any communication from the hospital or the collection agency. The only way I learned of the debt was through a credit report. The collection agency has failed to, upon request, send a bill and verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I attempted to make the minimum payment to my credit card company. Somehow the payment was entered as the entire statement balance which I can not afford and will cause severe financial problems for my family. I contacted the credit card company immediately when I read the confirmation email to stop the payment. The representative was extremely rude and unhelpful saying that there is no way the website could have an error and there is no way for them to stop the payment. I called back later and spoke with someone more polite who said there is no way to stop the payment and it 's in the disclosure - the teeny tiny print that no one looks at. I honestly thought I clicked minimum payment and can not believe that they wo n't reverse the charge. I 'm current and was even paying a week ahead of time. I called my bank to stop payment on the American Express payment and they will for XXXX bucks but it could happen after Amex charges me and then I am stuck with the massive charge that will cause my car loan, electric bill, gas bill, other credit card payment, water bill, car insurance, etc to all find insufficient funds in my bank account and I 'll no doubt get a {$35.00} fee for each instance that I can not afford to pay. I am absolutely dumbfounded that Amex ca n't work with me when a mistake was made and the result will be a financial nightmare for XXXX of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have disputed with AMEX the negative information they report on my credit report. AMEX signed for receipt of dispute on XXXX/XXXX/2016. According to the FCRA 623 ( a ) ( 3 ) - AMEX was required to add a statement of dispute within 30 days of receipt of dispute. However on XXXX/XXXX/2016 I checked one of reports and i saw that they failed to add this notice of dispute. i have sent AMEX a letter and proof ( see attached ) regarding this violation of my rights and not being compliant with the FRCA however currently I have n't yet received a response from them regarding their violation nor have they removed the negative information from my reports. 

This is my final goodwill attempt to allow AMEX to clear up this issue and remove all negative information [ in a timely manner ] from my account. Otherwise I will be suing AMEX in small claims court closest to me. I will request {$5000.00} as i have outlined in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have an Citi Dividend card. expired on XXXX. XXXX 2015. Last year i used this card to subscribe an subscription for a year. The subscription service was supposed to terminate in XXXX 2015. Anyway they charged the subscription fee last year. But subscription service provider automatically renew my subscription and tried to charge {$250.00} from my card again. I did n't know it because i was out XXXX at that time. Also At that time the card already expired. they issued me a new card with the same number. I never activate the new card. The credit card still let the charge go through. I did n't know there was balance on my card and never received any notice from the credit company. One month later when I came back, I miss the payment deadline 5 days. I had been charged {$250.00} plus {$25.00} late fee and {$4.00} interest for it. I immediately paid it to avoid more interest. the statement shows XXXX balance. Next month I used the credit card a couple of times, and I paid the balance on time. When I checked the statement online, I found they charged me a big piece of interest again. And the interest is not only from the {$250.00} but also from the balance i used after my previous payment although i paid in full on time that month. That is ridiculous and not honest. The total interest and late fee charge is about {$83.00}. Also I called the subscription service provider they canceled the service for me and issued refund for me. But the credit company hurt me a lot. Let the charge go through even I did not activate the card. And they tried hard to charge interest and late fee on it even the original charge was not placed by myself. I would want all my interest and late fee back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 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 checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the XXXX cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is not abiding by the disclosure requirement in the Credit Card Accountability Responsibility Disclosure Act of 2009 involving Applying Payments. 

Per XXXX giving a narrative on this stipulation : Highest interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates first. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances. 

I have called American Express asking them about this, and a representative informed me that they do not always follow the above stipulation. The call was recorded on their end as they have previously stated, so the individual making this comment is on tape. American Express did not apply the excess amount of the {$750.00} payment I recently made to the Cash Advance Balance but instead appeared to apply it completely towards the Purchases balance even though Purchases have an introductory Interest Rate of 0 % for 12 months. The minimum payment due was {$170.00}. {$580.00} should have gone towards the Cash Advance Balance, which either less or none of that amount went to the Cash Advance Balance. 
No agent I spoke with at their organization was able to answer as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
submitted a claim for an item I could not return, why is this taking so long to approve?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up with XXXX XXXX/XXXX/XXXX. After getting XXXX three times in two months from this gym I complained to the manager and they canceled my account and credited me the amount that was charged to my account. Over the past four years I have canceled my credit card and have been issue new cards with new numbers at least 2 times maybe more. I do this whenever their was a major data breach with any of the companies I have done business with. I typically to not go through my credit card statement with a fine tooth comb, I glance through it, making sure nothing major is sticking out every month. After the XXXX XXXX ordeal I decided looked at this month statement a lot closer and noticed I 'm being charged {$65.00} per month from XXXX XXXX. I contacted the gym to inquire about the charges. They were shocked I have been charged and advised me to contact my credit card company. I contacted my credit card company and this is what I was told. Regardless the amount of time I have canceled my card in the past few years and had new numbered card sent in its replacement if their was a merchant who has been charging me every month they will continue to allow this charge as a service to me regardless of the canceled card. If I have ever done any business with any company in the past with any of my canceled cards they will allow the charges to go through. ARE YOU KIDDING ME? 
What is the point of canceling the card? 
I was advised I should hire someone to go through my credit card statement every month if I 'm worried about the charges. 
Year to date for XXXX I have spent $ XXXX so far on this card I average $ XXXX a year on this card and pay it off every month. For me to go through every charge every month will take hours and hours of my time. 
The whole reason of canceling a card is to stop unauthorized charges form continuing to happen. I asked them to provide me the contract by where I agreed to allow them to allow charges to my canceled card. They do not have this agreement. 
I requested the agreement by where this merchant was allowed to charge my current account? They do not have this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 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:
APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XXXX XXXX, 2017, my debit Bluebird account by American Express was disabled, I only used the card once a month to paid my rent. When I called them on the phone about it they refused to discussed the matter with me. I have had this card for over 2 years, and I do not understand how my card can be disabled without my authorization. I need to know what happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened AMEX premier reward gold credit card using the promotion code sent specifically to me. The mail contained XXXX or XXXX pages of document explaining all the great benefits/offers and highlighted XXXX bonus points as welcome bonus. I applied for this credit card mainly for that welcome bonus. AMEX approved it and I completed the requirement for the bonus offer. But AMEX did n't honor this because I have had this product previously. I claimed that AMEX never should have sent me this offer if that was the rule and they were completely silent on that. This is completely a marketing scam and luring customer with all the great promotions they will never honor. I 'm not talking about the general fliers or internet ad which targets anybody. This promotion and advertisement specifically targeted me in a mail with my name on it. They already knew I 'm not qualified for the promotion but AMEX lured me to open the credit card. I do n't expect this bad business from such a big company like AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I signed up for the American Express Platinum card a few months ago after seeing their advertisement that states that they would give out XXXX Membership Rewards ( MR ) points ( equivalent to {$1000.00} cash ) to anyone who spends {$3000.00} on the card in the first 3 months. I spent over {$3000.00} and was awarded the XXXX MR points. A few days ago, I logged into my account and the points had been removed. American Express has sited " Returns '' as a reason for removing people 's XXXX MR points. You can see in the attached statement, however, that I had never had any returns on my card and I spent {$3400.00}, well over the {$3000.00} requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. 
HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in XXXX my financial situation change due to my Mother XXXX done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe {$89.00} and I pay XXXX monthly for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan? 
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I signed up for the American Express EveryDay Card on the sign-up offer of XXXX Membership Reward points as long as I spent over {$2000.00} in 3 months. I met the terms of the offer by spending over {$2200.00} in the first three months - which was confirmed by several American Express representatives - and 6 months later I have still not received the points. During this same time I also added a American Express Offer on two different American Express cards that said I would earn XXXX points if I spend {$200.00} at a hotel chain. I spent the {$200.00} dollars on both cards ( {$400.00} total ) and only received the points on one card. I 've contacted American Express multiple times over these issues and each time the representatives assure me that the points will be added to my account shortly, which has yet to happen.

Company response to consumer: Closed with explanation