vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Was walking to my gate in XXXX XXXX when was approached by a sales rep for Delta Amex cards. He asked if I already had a card said yes ( Gold card ) and he proceeded to try to upgrade me to the Platinum card. I waffled because I told him I had literally just paid my annual fee on the Gold card and one of his selling points was that the fee for the first year for the Platinum card was going to be only {$95.00} and then {$190.00} annually after that. Just received my first bill and lo and behold not only was my card not upgraded it was an entirely new account and I was charged {$190.00} for my annual fee. I have called the company on XX/XX/XXXX and today XX/XX/XXXX. I filed a complaint with Amex on XX/XX/XXXX about the false advertising and for my troubles was told they would issue me a {$40.00} credit which would post to my account within 48 hours. I checked today and the {$40.00} has not posted and is not pending so I called Amex again, spent another hour on the phone just to be told they need to investigate the first complaint because they are not showing I was to receive {$40.00} credit. My complaint is obvious false and deceptive advertising on the part of Delta Amex. Not only was I immediately charged the {$190.00} when I was told it would be {$95.00}, I have not been credited back my pro-rated portion on my Gold card fee ( cancelled that card back in XX/XX/XXXX ) and was told I would not receive my Companion Ticket which is supposed to be issued upon invoice on the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 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: TN

Complaint narrative:
Asset Acceptance is a fraudulent company that has bought consumer information and falsely reports incorrect information to the credit bureaus. The number listed is for Midland Funding. When calling the number listed, Midland Funding states that they have bought Asset Acceptance and they do n't show an account matching my social and name. Asset Acceptance has several numbers that goes to a voicemail and ask you to leave a message. The one time I did reach a live person, they said the computers are down. They do n't have a physical address only a PO Box . I have NEVER received any correspondence via mail. The only contact has always been reporting on my credit and my efforts to track this company down. This company is a nightmare. I need to get this resolved and removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I submitted a credit dispute related to a charge of XXXX on an American express CC ending in XXXX for a charge at XXXX XXXX on XXXX/XXXX/2016. Charge was unauthorized because this reservation was not associated at any time with this specific credit card. The hotel had this CC on file from another transaction and proceeded to bill this CC. I never provided verbal to written approval for this charge. All other transactions at this hotel are associated with a signed agreement. I disputed the credit with AXP. 
The hotel provided AXP with folio information but never a signed agreement related to this charge. AXP made a determination in favor of the hotel on XXXX/XXXX/2016 without having received details from the hotel which it seems to have received on XXXX/XXXX/2016. I am requesting a reversal of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
IN XX/XX/XXXX I TOOK OUT A LOAN WITH HOUSEHOLD FIN FOR XXXX AND MY PAYMENTS WERE XXXX ON THE XXXX OF THE MONTH ON A FIXED RATE, AT SOME POINT THEY GAVE THE LOAN TO XXXX, I CONT. TO PAY IN XX/XX/XXXX THEY SOLD THE LOAN TO BENAFINICAL AND MY HUSBAND DIED IN XX/XX/XXXX WHICH I CONT TO PAY WHEN I NOTIFY ALL PARTIES INVOLVED THEY SAID THAT MY NAME WAS NOT ON THE LOAN IN WHICH I DID SIGN SO I CONT TO PAY AND THEN THEY RAISED THE LOAN TO XXXX TOLD THEM IT WAS A FIXED RATE SAID NOT THERE PROBLEM PROVE IT AND I JUST CONT TO PAY XX/XX/XXXX THEY TRIED TO RAISE MY LOAN AGAIN TOLD THEM I COULD NOT AFFORD THIS AND THIS LOAN SHOULD BE PAID OFF BY NOW I MADE A PAYMENT IN XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEN THEY STARTED SENDING ME MY PAYMENTS BACK SAYING THEY ARE GOING TO FORECLOSE ON MY HOUSE TOLD THEM THAT I HAVE PAID THEM OVER XXXX HOW DO I STILL OWE OVER XXXX, THEY SAID THAT THEY CANT TALK TO ME I HIRED A ATTORNEY AND GAVE HIM POWER OF ATTORNEY AND THEY WONT TALK TO HIM, I FEEL AS THOUGH THEY ARE RIPPING ME OFF I NEVER MISSED A PAYMENT EVEN WHEN I DI MY CHAPTER XXXX I CONT TO PAY THEM .. ALL I WANT IS MY PAYMENT HISTORY BECAUSE THEY ARE SAYING THEY WILL SETTLE FOR XXXX I THINK THAT IS A BIT MUCH ON A XXXX XXXX LOAN I AM XXXX YRS OLD AND XXXX I CANT FIGHT THIS ANYMORE AND EVEN THOUGH MY HOUSE IS MY MAIN CONCERN CAN YO U PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: NY

Complaint narrative:
I contacted Midland Credit with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Sullivan Asset Management, LLC
State: IL

Complaint narrative:
XXXX got this debt firat and then sold it to XXXX XXXX and then sold it to Sullive asset management. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing this letter to formally dispute the following with American Express : 1. Statements that are very confusing and nearly impossible for consumers to understand. Particularly those individuals who have balances that have been transferred to the pay overtime section of their bill. 
2. Recent transactions that were charged to my account by American Express, initially as credit ( adjustments ) then as debits. 
I was given the option to pay balances over time by American Express with a credit limit of XXXX. However, I noticed several adjustments on my account in the amounts of XXXX, XXXX and XXXX. When asked on two occasions how these amounts were arrived at, American Express has yet to produce any evidence regarding how the amounts were derived. 
Also, when I manually added up all of my charges and all of my payments ( not taking into account interest ), the aggregate total reflected was less than the amount that appeared on my XX/XX/XXXX statement. 
Please see letters sent to American Express along with corresponding statements. 
If you can investigate this matter, I would appreciate it immensely. 
Thank you for your time and consideration and for your commitment to ensuring that consumers are treated fairly and not unjustly taken advantage of. That means more than words can express. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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:
There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Automatically charged the Auto Rental insurance with the new AMEX credit card. 
I did not explicitly asked for auto rental insurance for the new card and already got insurance via the rental agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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: TX

Complaint narrative:
I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$4000.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$4000.00} when in fact, {$3000.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I disputed a charge of {$100.00} to XXXX XXXX XXXX on XXXX XXXX, 2017 - a few hours after the transaction fraudulent transaction occurred. After a couple of days after BlueBird 's " investigation, '' they responded by saying that this was in fact an authorized transaction and my dispute was denied. 
Independently, I was able to uncover directly from XXXX the following ( I spoke with XXXX XXXX at XXXX ) That this transaction was charged on line and was not charged by me. 
That the order number was XXXX That the order was mailed to a person that I have never heard of by the name of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
I was specifically told by XXXX XXXX NOT to contact XXXX XXXX myself and instead this must be disputed through American Express. 
Bluebird is insisting that this is not a fraudulent transaction and they refuse to send me documentation that backs up their claim after I requested it. 

The account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation
State: TX

Complaint narrative:
I tool out a private loan with ASFG when starting XXXX college. They closed their doors before I finished school. I do n't believe I should have to repay when I have n't finished my education. I am getting harassing calls. It needs to be stopped. Of other students are getting their loans wiped, I believe money should be tok.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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:
I was billed {$270.00} by XXXX XXXX XXXX which I paid by my check No XXXX dated XXXX XXXX, 2015. My check cleared my bank account on XXXX XXXX, 2015. I subsequently received a debt collection notice dated XXXX XXXX, 2015 from Transworld Systems Inc., Collection Agency, XXXX XXXX XXXX, XXXX, PA XXXX, correspondence to be sent to XXXX, DE. I have since received further collection notices dated XXXX XXXX, 2015 and XXXX XXXX, 2015, despite the fact I advised the collection agency on XXXX XXXX, 2015 that I dispute the debt because it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express that I signed up for because it made it easier to shop at XXXX, has repeatedly overcharged interest. I finally decided to cancel the card, called for the payoff, wrote a check for that amount and sent it that day. They cancelled the card but they are now charging {$9.00} on no purchases and saying that I owe interest on previous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: PR

Complaint narrative:
On XX/XX/XXXX, I received a letter from the debt collection company named " Transworld Systems , Inc. '' ( XXXX XXXX XXXX, XXXX, PA XXXX ), claiming that I owed to XXXX XXXX of XXXX {$440.00}. 

On XX/XX/XXXX, I wrote a letter to Transworld Systems with a copy to the XXXX XXXX XXXX stating that I already had paid the alleged debt. I enclosed with my response information of the electronic payment that I did ( confirmation number ) and notified that the equipment was pickup by a XXXX employed on XXXX XXXX, XXXX. ( Please, see Exhibit XXXX ). 

A few days later, on XXXX XXXX, Transworld sent to me a XXXX letter alleging that the same debt mentioned before was unpaid. I responded again that I already had paid the debt and that the equipment was returned, so, no balance was pending. I also asked for a cease and desist of sending to me their collections letters. ( Please, see Exhibit XXXX ). 

However, on XX/XX/XXXX, I received a XXXX collection letter ( dated XX/XX/XXXX ) alleging that the same debt was still unpaid without any consideration to the letters and supporting documents that I previously submitted demonstrating that I paid the alleged debt in full since XX/XX/XXXX. 

These insistent and continuously submissions of letters asking for a non-existence debt are obviously an illegal harassment against me. So, herein I am asking from the " Consumer Financial Protection Bureau '' their protection of these XXXX companies ' illegal harassments ( XXXX XXXX and Transworld Systems , Inc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: OH

Complaint narrative:
Debt was settled in FULL with XXXX, and yet they continue to report open collections, even after I 've CMRRR mailed them the payment info

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I sent 3 letters asking Midland Credit Management to verify XXXX debts that appeared on my credit report because I have absolutely no knowledge or recollection of them. I sent the letters with a tracking receipt. XXXX XXXX XXXX sent me the same letter in response 3 separate times. I am unsure how to proceed with them but I definitely want to clear my name. I do n't think that they are following the law and I wo n't pay a debt that is n't really mine. I 've heard how unscrupulous this company can be and I would someone to investigate to help me get to the bottom of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My payment due date fell on Sunday, XXXX XXXX. As you know, XXXX XXXX is a holiday. My full payment of {$34.00} was received XXXX XXXX and I was charged a {$27.00} late fee. I told the rep that I believed the Credit Card Act required that American Express accept my payment without a late fee within one business day of the due date. The rep told me that there is no such act. I sent them this " The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on XXXX XXXX, 2009. The Credit CARD Act details when credit card issuers have to accept payments. If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as the payment is received the following business day by XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 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: OH

Complaint narrative:
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XX/XX/XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XX/XX/XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XX/XX/XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XX/XX/XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it XXXX way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XX/XX/XXXX and NOT XX/XX/XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.

Company response to consumer: Closed with non-monetary relief