vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX

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: IN

Complaint narrative:
I received a letter from a law firm stating that I was a defendant in a law suit in XXXX XXXX XXXX XXXX, and the debt collector was Asset Acceptance , LLC. Knowing that they had the wrong person, I contacted the law firm. The woman at the law firm determined that the name matched but that it was not my social security number. She said to write a letter to the court explaining that and that they should dismiss it on XXXX, but they filed a motion to proceed on XXXX. The person at the law office said that it was a name match. They somehow have my name and address, but I have NEVER ignored any letter or invoice that I have received in my life. They somehow got my name and address and attached it to the person who owed a debt. I do not who the creditor is. All of this has happened so fast that I am in a bind. The hearing is on XXXX at XXXX. How do I find out who is behind this and how to proceed?? I am XXXX and on a fixed income. I have perfect credit and do not want it or my reputation destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA
State: SC

Complaint narrative:
I have a student loan with Mohela that I am paying on time, it is not delinquent. 
The payment for XXXX 2017 is due now and 16 days past due and they are calling my mother about this debt. she has nothing to do with this loan, thee loan is in my name only. 
This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express promised a bonus offer would be credited within 5-7 business days. American Express now refuses to honor that promise, saying that it will be 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is another complaint against Midland as I received NO validation in XXXX as stated in the first complaint Subject : Your submission, [ Case number : XXXX ] I would like validation initial signed contract, list of charges, payments made etc on this debt which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 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: FL

Complaint narrative:
I have never done business with this company and do not have a contract with them and never will I want this account to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have a C & XXXX against Midland and they still called my work cell phone. I attached the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I filed case number XXXX - XXXX on XXXX/XXXX/16. The outcome was timely, HOWEVER, because HSBC purposely took 5+ mo on a task they stated would take " UP TO '' 90 days, my buyer backed out & no longer wants my property, in addition I now owe my lawyer over {$1600.00} in fee 's & also almost {$6000.00} in taxes & maintenance fee 's ( that my lawyer pd on my behalf ) but only because my buyer had agreed to pay them in addition to my asking price. This sale was not lost because of an oversight 15+ yrs ago, it was a direct result of HSBC 's negligence, to handle my request in a timely manner as they had indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: TN

Complaint narrative:
Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XX/XX/XXXX I had over XXXX worth of XXXX on my AMEX account. On the same day AMEX took an unathorized payment of XXXX to pay off the fraud balance. This was withdrawn electronically from my bank account. I have been trying since XX/XX/XXXX to receive the money back. AMEX will not refund it via ACH since it is not XXXX XXXX. It is now XX/XX/XXXX and they still have not refunded teh money, continue to have my address wrong, I live in the XXXX, and have been Not find a solution. This was an unauthorized drafting of funds acknoweldge by them but they will not refund the money so I can get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I went online to obtain my credit score. My credit card company, XXXX, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my XXXX score, I should call TransUnion, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from TransUnion. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XXXX XXXX I called TransUnion at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that XXXX was using a different scoring model than TransUnion does ( they mentioned XXXX ). They were denying that they even supplied the score that XXXX was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and XXXX, and they refused. They told me to go back to XXXX for any explanation of the score. So I called XXXX at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the XXXX site XXXX XXXX or TransUnion. The XXXX Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that XXXX DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just XXXX or two months without any negative data to support it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Ceannate
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, the XXXX XXXX XXXX Ohio Bankruptcy Court discharged my debts in a Chapter XXXX case ( # XXXX ) by the Honorable XXXX XXXX XXXX, U.S. Bankruptcy Judge. XXXX of the discharged debts included a student loan with the U.S. Department of Education in the amount of {$3100.00}. 

Since then, I have been subjected to ongoing harassment and illegal tactics by several collection agencies -- all of which I 've had to dispute sooner or later. The latest agency, FMS Investment Corporation. FMS has unlawfully threatened wage-garnishment unless I pay in FULL - which includes provision of personal information to their agency ( employer, wages, bank accounts, revolving credit, disposable wages and tax return info ). I sent the XXXX Bankruptcy discharge documentation requested by FMS in my " objection '' to the wage garnishment and " request for hearing '' within the deadline period. The documents were sent to FMS certified mail ; signature required/return receipt via USPS on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I received another correspondence in ( form ) letter from FMS. This letter states : " you have provided no evidence or application to support the objections or claim for discharge relief that you raised in your request for hearing. '' That statement is 100 % false, as I consulted my XXXX Bankruptcy attorney to request the exact documents being requested by FMS to settle this once again. 

In addition, my Federal Income Tax Return has been seized many times over the last 16 years. I have n't seen a tax return refund for many years. 

I would welcome any feedback and eventual recourse -- and to finally put closure to this neverending nightmare. The next deadline imposed by FMS is fast approaching : XXXX/XXXX/XXXX. 

Thank you for your time and consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I opened a new PNC checking account on XX/XX/2016 in response to a {$300.00} new account bonus that was advertised. 
I met the two requirements of the bonus, including ( 1 ) 10 debit card transactions which were completed on XX/XX/2016 and ( 2 ) direct deposits totaling {$5000.00} which were completed on XX/XX/2016 and XX/XX/2016. Attached is documentation showing the promotion, completed debit transactions, and account alerts I received confirming that two {$2500.00} direct deposits were made. 

PNC should have credited my account with the bonus by now, but they have not. I 'm requesting credit for {$300.00} honoring the promotion.

Company response to consumer: Closed
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX. in XX/XX/2016 I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone 12 payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from Transworld Systems Inc. stating i needed to make 12 payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: VT

Complaint narrative:
I continuously receive calls at home, work, and on my cell from Midland Credit Management ( MCM ) for a debt that they can not verify is mine. They call from XXXX at least XXXX10 times a day including Sundays. I have told them that the debt they have listed is not mine or was paid a long time ago. It 's from 2007 on my credit report. They can not provide me proper proof that this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/2016 we stayed at a XXXX in XXXX UT and used our American Express Bluebird card to pay for the room. As per normal they held funds to cover the transaction then charged the funds, but they never released the " hold ''. When I called the XXXX they informed me that they did not do automatic releases and it would be up to my financial institution to release the funds. I called American Express and was told that they could not release the funds either, it was n't their " policy ''. So-XXXX will not do an auto release, even though they have been paid, and American Express will not release because it is not " their policy ''. So who has my {$88.00} and who is responsible for returning these funds to me? It has been nearly XXXX weeks and someone still has my {$88.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: NC

Complaint narrative:
Transworld Systems is reporting that I have a debt with them from XXXX. This account is not in my name. The account is in the name of XXXX. I have disputed this account, but they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for an AMEX XXXX loan after receiving a preauthorization notification in the amount of {$5300.00}. 

I electronically signed the documents within the specified time frame, called their call center to confirm. I was told It would disburse within 72 hours. Now it 's showing cancelled, that I did n't sign the documents and that I need to apply again ( causing another inquiry on my credit report. ) Unacceptable and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SD

Complaint narrative:
Did not provide a response Delinquent Account Lender XXXX/XXXX/16 HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX XXXX A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it XXXX / XXXX is posting an account delinquent which is being reported as 30,60,90 days past due. This should n't even be on my history. Also I called them and they keep giving me the run around and can not find this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
They are now sending Arrest Warrant emails threatening me to pay the loan back. Yes I know I still owe the loan, but they have been very unreasonable with trying to agree on payment arrangements. Now they are sending me very threatening emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hi i am trying to get some help in reaching out to Midland Funding. I discover they had placed an account on my credit and i really do n't know what the account is for. I have tried to contact them for the past several months by mail, so i could have a record of the communication- its no use no one has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
First of all I never received anything in regards to this debt, it just magically appeared on my credit report. I have tried to contact Midland Funding , LLC numerous times to get them to fix some inaccuracies they are reporting across the XXXX credit bureaus. I sent a direct dispute on XXXX/XXXX/2015 which I never received a response to, then sent another one on XX/XX/2015. I contacted Midland Funding , LLC and spoke with someone who was clearly only reading from a script who told me they sent out a response to my direct dispute dated XX/XX/2015 on XX/XX/2015, which I have yet to receive. The main issue that I have with them is that on my Equifax report they are reporting as the ORIGINAL CREDITOR. On XXXX and XXXX they are reporting correcting, that they are a debt collector collecting for the Original Creditor XXXX. I 've noticed a lot of people have the same problems with Midland Funding , LLC. Everyone I have spoken with at their offices calls me a criminal and one of them even used curse words at me. This is not an acceptable company.

Company response to consumer: Closed with explanation