vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I enrolled in American Express has premier shipping plan with a fee of XXXX $ so that I do n't need to pay shipping charges. I enrolled in 90 day trial. They are not supposed to charge during the trial but they charged XXXX $ when I called them they said they will refund the fee when I cancel within 90 days. 

I cancelled my plan within 90 days but they did n't refund my charges. When I called them to cancel they said they will refund in 15 business days and now it is past 15 business days and when I called them again ( I was waiting on the phone for 90 minutes ) they are saying they need to reprocess the refund. I am not sure whether I will really get the refund. 

There are two problems1. They are not refunding in timely manner ( they already crossed the time they mentioned in terms and conditions ) and I am not sure they will refund me. 
2. They are not supposed to charge during the trail but still they charged my account. 

I spent lot of time to track this and I am looking for compensation for my lost timeMy case number with AMEX is # XXXXMy order number that contains the Premier shipping charges is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Recently American Expresss closed my account due to discriminatory and retailiatory acts. After I raised the complaint with CFPB and with AMEX, they in turn, closed the account after I requested to be given an opportunity to pay the account over time. Instead, they retailiated against me knowingly. They were welll aware that I submitted a complaint to CFPB and then again to AMEX Presidential Office for resolution. No one attempted to work with me on resolving this debt, based on my request to pay overtime. My mother, was also assigned as the Manager of the Account and they deleted this from the system illegally as well. 

Now based on extenuating financial hardhsip existing with my family and a sibling diagnosed with a XXXX, we are unable to pay this balance in fulll and have suggested to pay {$100.00} per month to this account, until I am able to settle the balance. 

There is no neeed for the assigned Debt Collection Representative, XXXX to make illegal attempts calling 3rd Parties whom he does not have a right, nor was he given their phone numbers. How did obtain phone numbers of other family members illegally. We have also requested that he desist in his maneuvers against these individuals, utilized as a harassing tactic against me! 

Do not call their phones again! 

We will commence paying XXXX/mth this month. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Judgment against me in XX/XX/XXXX for $ XXXX.Instead of bankruptcy I chose to pay my debts. For some reason this debt was n't inc when I refinanced my home in XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX monthly payments $ XXXX {$600.00} automatically deducted from my checking account. Then deduction stopped I had paid {$9000.00} of the debt. Apparently Asset sold the acct to Midland Credit for the balance of {$1100.00}. Midland filed papers with XXXX XXXX, Fl with the ORIGINAL debt of {$100000.00} and started garnishing my wages. Midland refused to send me or my employer anything written of the balance, would n't return phone calls to my employer. They are still garnishing my pay and to date have about {$5000.00}. Midland rep told me they " have the right to collect up to the original debt ''. Is this legal. This is causing a financial hardship. I 'm a RN, I have to refuse addtl shifts, because that much more is taken. This month, XX/XX/XXXX they will have kept over {$2000.00} in one month. I need help I ca n't afford a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( XXXX ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Augusta Collection Agency, Inc.
State: OH

Complaint narrative:
Bill is for ambulance service in XXXX 2014. Insurance information and permission to bill insurance company was provided at time of service. In a conversation with the insurance company today ( XXXX XXXX, XXXX XXXX XXXX ) confirmed that ambulance service was covered under that policy but indicated that the ambulance company never submitted a bill ; they had one year to submit a bill according to the insurance company. The company never sent a correspondence with billing information to me at my current address at that time ; I only learned about the bill more than a year later. More specifically, I never received any information indicating that they did not submit the claim, nor did I receive a bill until after one year after it was too late to submit on my own. Today, XXXX XXXX XXXX company representative ( XXXX XXXX ) refused to provide any medical or billing information to me after I learned of the bill. She referred me to Augusta Collection Agency who 's supervisor, XXXX XXXX, refused to provide me with any information as well ; she only insisted I pay despite that this was a covered service. She further threatened me stating that this would not be removed from my credit report. XXXX XXXX XXXX was given permission to bill my insurance company but never did this. Further, they did not communicate in a timely manner that there was an outstanding bill or that any action was required on my part within one year. If there was a problem with billing my insurance, I should have been informed within one year so that I could have assisted in that process. Even at this time my information and original bill is being refused to me by both XXXX XXXX XXXX company and XXXX XXXX XXXX. This should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX XXXX XXXX and loans charged my American Express account {$450.00} without my approval they got my credit card information because I was trying to refinance my mortgage. I was going through another company called first rate mortgage who gave them my credit card information and told them to charge my card. I sent American Express the details but they kept taking quick and loan word over mine. You can check my credit report and see I pay my bills but I refuse to pay for charges I did not approve so I closed all my American Express accounts. Since than XXXX XXXX Mortgage went out of business I was approved for their loan but I cancelled it and went to another company for my mortgage. The report says American charged off {$670.00} in XXXX XXXX this was the charge {$450.00} that I disputed like 6 times and each time after about 3 months they kept putting it back on my card so i told them I was tired of dealing with them so do what you want I was not paying for something I did not charge to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am currently dealing with an account with Midland funding. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to Midland funding and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have now received XXXX letters from the Transworld Systems INC located at XXXX XXXX XXXX. XXXX, PA XXXX regarding something that I paid off 20 days ago. 

I am annoyed and frustrated that I am continuing to receive these letters even though I have confirmation from the company, XXXX, that I have paid off everything and that my remaining balance is XXXX. 

Please help me to resolve this issue. As a tax-paying citizen of the United States, I do not enjoy being harassed by companies that are preventing me from experiencing the freedom and liberty as a law-abiding citizen.

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

Complaint narrative:
I used my American Express card to book a international flight on XXXX airlines with the flight originating in the USA. Shortly after takeoff the passenger sitting behind me began to show signs of severe illness. XXXX. I repeatedly asked him to stop and cover his mouth as he was spraying me with his XXXX. After no compliance i contacted a flight attendant who forcibly moved the passenger to a vacant aisle in the back of the plane away from passengers seeing that he was very sick. 

An hour later he was back sitting behind me continuing his actions. The flight attendant ordered him to move repeatedly and then gave up. 

While reporting it in XXXX at the XXXX desk I was told in order to file a dispute I would need to go to the XXXX police and file a report in XXXX which is a lie as the flight originated in the USA. They then cited the contract of carriage however I am pretty sure they are required to ban visibly ill people from flying so was moot and they did n't do anything further. 

I then contacted American Express to dispute the charge. American Express did not follow up and the airline kept my money and severely endangered my health. 

Under US criminal law spraying people with XXXX is classified as assault and in some cases assault with a deadly weapon. XXXX did not ensure my safety and were severely negligent a case has already been filed with the CFPB and American Express 's response was not satisfactory. American express has no right to keep my money per violation of the purchasing agreement which insures my safety during a course of travel. It is inferred by all reasonable means that all passengers are entitled to safety and that the airline staff will take all necessary acrtions. I will be filing a criminal case in the next week against American Express and XXXX. This is clear fraud. 
Issue Transaction issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding is reporting a debt of {$4400.00} for XX/XX/XXXX. at one time it reported 2 debts for {$720.00} during this period I disputed, and they changed it to XXXX. A debt of $ XXXX for a period taken in XXXX reported and removed. 
XXXX was reported in my name 2 times taken out in XX/XX/XXXX. and updated. However now this amount of $ XXXX plus is reflecting again. There has NEVER been an account opened from XX/XX/XXXX, with a credit limit for an amount of {$4400.00}. Please ask the Midland funding Company to show the signed contract, along with an offer for a credit line of XXXX plus the credit card number. There is clearly a shell game going on here with the Midland Funding Company. Thank you for your time. XXXX SPEED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am unaware of this debt with Midland Funding LLC it says XXXX XXXX XXXX Acct. It shows {$910.00} balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I disputed the purchase with Am/Ex as the item I ordered was n't as described in the XXXX ad ( XXXX XXXX {$50.00} ordered and {$20.00} received ). Item ID : XXXX Transaction ID : XXXX. Since the merchant refused to reply to my message I returned the item and received confirmation from XXXX that it was received ( please see the attached info ). The info was provided to Am/Ex however it refused to provide a full refund and instead it made misleading statements about the case progress and requirements. Am/Ex claims that the purchase was refunded while fraudulently claiming the {$20.00} refund from a different merchant and different transaction as part of the settlement. It also made several misleading statements about the status of dispute and it did n't bother to review the info provided as evidence for the claim. Instead it took the evidence of the delivery of fraudulent transaction as justification for its conclusion of the case. Am/Ex also has failed to provide the copy of the response it was sent from the merchant as promised verbally it will do so. I need it in order to file a criminal complaint against the merchant here in IL as the XXXX different IDs ( entity/personal ) has been provided in due course of the transaction ( selling, shipping and return ). In this case it appears that Am/Ex is aiding and abetting fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Hello, I went to XXXX in XXXX, MI. I read an article on the way XXXX defrauded student loans. I, too, was in school at that time and had XXXX of those XXXX loans. I feel that I should not have to repay the remainder of that loan based upon that lawsuit against them. My loan, no doubt, has been sold to UAS ( University Accounting Services ) LLC. The address is : XXXX, MN XXXX. Any help would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
i really dont know where to start but im not really happy with my mortgage financial company i have been with hsbc for 14 years and this last 2 years has gotten crazy i had problems with them since day one but this is getting very stress for me, so here i begain XX/XX/XXXX i paid my house payments and XX/XX/XXXX i went on vacation and my husband XXXX had called me and told me that hsbc called and said that i hadnt made any house payments since XX/XX/XXXX so i proceeded to call them and they said no they didnt say that and so i got it straighten out and thought we were doing ok for year XXXX XXXX at the beginning of the year i recieve my bill in the mail like my first statement for XXXX so then a few weeks later i got a bill for XXXX i proceeded to pay it then i thought very thing was ok no phone calles no lettters until XX/XX/XXXX XXXX i started getting foreclosure notices and i called and they said we were behind 6 month of payments and i told they needed recheck the records and so i didnt want to fight with them i cried and had to tell XXXX and so i agreed to pay a payment of XXXX and they also said i wasnt making the full payemn of XXXX i never reicieve a notice i was going to refiance and ran into errors they hsbc hadnt put it on our credit for 1 year i called and asked why and they told me that they havent done it for a year so i had got an email from XXXX and and i called and they put it back on my credit and they insisted that i was 3 months behind i paid the XXXX and i asked when it was going to going to be posted and they told me that day and as of today XX/XX/XXXX, its not been posted and i have to do a phone conference with XXXX on XX/XX/XXXX so she can do a defered payment and she asked when i would make the XX/XX/XXXX payment i told her on jauary XXXX and im calling that payment so i can get a reference number this has cause me so much stress i had to put a hold on paying other bills, and the broker called me and told me he couldnt refieance me for another year and with them hsbc changing my payment date from the XXXX of the month to the XXXX of the month is going to show me late and they have showed on my credit from day one that i was always late because they would hold the payment for 2 or 3 weeks they are a really hard fianacial company to work with im XXXX and want to refiance but they are ruining my credit

Company response to consumer: Closed with explanation