vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express has, for years, not applied payments over and above the minimum payments to my higher APR balances. Numerous attempts to deal with them on this situation ends with form letters sent to me and the complaint closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am not aware of a credit charge from First Federal Credit Control. 

This reflect an original creditor of XXXX of XXXX Florida in the amount of {$210.00}. The open date XXXX XXXX, 2014. I am disputing this charge as i have no knowledge of this charge. Please assist. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I noticed an unauthorized charge on my American express blue card for XXXX XXXX XXXX had used the card on the XXXX of XXXX and XXXX charged XXXX unauthorized dollars the very next day.I had problems with their service and they had installed their equipment on my neighbors roof as well as charging me over 200 dollars when we had agreed to XXXX.I immediately cancelled their service and was never given a contract or cancellation numberAfter the statement came in.I called American express to dispute this unauthorized charge and was told they would investigate, but assured me they would n't accept any future charges from XXXX to my account for a four year period..My XXXX statement however had a XXXX dollar charge from XXXX on it despite American Express assuring me XXXX was banned from mY account for 4 years.Further scrutiny showed XXXX had added another XXXX dollar charge in XX/XX/XXXX.I of course disputed these unauthorized charges.Now American Express has ruled I must pay the XXXX dollars after a very quick investigation and still have n't ruled on the original XXXX unauthorized charge. They allowed XXXX dollars to be charged to my account which I had told them was unauthorized as early as XX/XX/XXXX.XXXX apparently is well known for this practice, however American Express was fully awarew they were making unauthorized charges yet accepted them more than once and now refuse to own up to their lapse in security on my account.XXXX was installed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX filed a judgment on me that was not properly served to me. I own this company nothing. They are saying I owe them {$990.00}, which I do not. The judgment was not properly served by a HUMAN, I received this in the mail, never receiving any statement from the court system saying when my hearing was scheduled for, so I was not able to properly represent myself. This debt is absolute bull. I owe this company not one penny! They have harassed me, refusing to provide me with proof that I signed a document indicating I owed money to XXXX. This is absolute robbery and I am requesting something to done to these criminals for taking money from hardworking people to benefit their corrupt business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I recently financed a computer from asset acceptance. I got a few weeks behind. They started calling my phone like XXXX 5 times daily. Then they started showing up to my house. What I did n't know is they are rent a center. Which if i would have known I would not have done buisness with them.That 's false information to get peoples buisness. They are coming to my house banging on my door when I have a door bell. Talking loud enough for my neighbors to hear and trying to embarrass me. I 've tried contacting corporate they are not trying to work with me they just want their stuff back then ill be out of my money I spent.This is how they do consumers in order to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a collection notice regarding a bill from XXXX XXXX. I had been to XXXX XXXX with concerns regarding XXXX XX/XX/XXXX ( I saw XXXX XXXX XXXX XXXX, who told me I hade a XXXX earlier this year at a different hospital ) but I had never received a bill for this visit. I believe there were XXXX visits, XX/XX/XXXX and XX/XX/XXXX, it was awhile ago and I do not remember. 

The bill, from Transworld Systems Inc, claimed I had never paid my bill to XXXX XXXX, which was true, because XXXX XXXX had never sent me one. I called the FTC and asked them what I should do and they told me I should call XXXX XXXX 's billing. I did and XXXX XXXX claimed that they had the wrong address for me and that they were sending my bills to an old address. I gave them my new address. They requested I start making payments for the bill in the meantime and that they would pull the debt from the collection agency. They told me to disregard any future letters from Transworld Systems Inc . I thought I made a payment over the phone at the time but I ca n't find any evidence of this. I did start making payments online immediately. Transworld sent me one more collection notice, a couple weeks later, which I disregarded as instructed. 

Although XXXX XXXX billing had told me on the phone that they would send me an itemized bill for my visits, they never did. I only ever received XXXX bill from XXXX XXXX. It was XX/XX/XXXX, for the remainder of the debt that they said I owed ( after my online payments ), and I paid that with a check. I have my bank statement as proof of this. I thought that had settled the matter. That was XX/XX/XXXX. 

A couple weeks ago I received a new collection notice from Transworld Systems Inc., claiming that I owed them almost twice as much as either they or XXXX XXXX had ever said that I owed them, and it was for those same dates, XX/XX/XXXX and XX/XX/XXXX. I received a credit card statement about a week ago that said my credit rating had dipped over XXXX points. 

I was under the understanding that my debt to XXXX XXXX was settled. And again I received no notice from XXXX XXXX before receiving this collection notice, even though now they have the right address to send me any correspondence. 

I do not believe this debt is valid, as XXXX XXXX had previously led me to believe the matter was resolved and has made no attempt to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I submitted an application for an American Express XXXX credit card based on an online offer for XXXX points after spending {$3000.00} in the first XXXX months ( see attached ). Instead, I received XXXX points. I contacted American Express several times about this, and they said the XXXX points offer had expired, even though that was the offer I saw and the reason I signed up for the card. Regardless, the offer shortly after I signed up for the card was for XXXX points after spending {$5000.00} in the first XXXX months ( see attached ). In addition, American Express took away XXXX points from my account without any explanation in XX/XX/2016 ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: AZ

Complaint narrative:
XXXX/XXXX/16 I received a letter from Transworld Systems Inc, XXXX XXXX XXXX, XXXX, PA XXXX which stated the intent of the letter to collect debt from " XXXX. '' The stated amount due is {$220.00} and payment or written notification of dispute of validity is required within 30 days. The debt payment can be made online at www.transworldpayments.com using registration code XXXX. 
XXXX/XXXX/16 I attempted to call the phone number provided during the stated business hours, which was answered by an automated answering system which did not allow messages. I looked up another phone number for the company online and received the same automated message. 

I then attempted to use the registration code to log on to the website. The code worked to access an account which indicated my personal information. 

I am concerned that this company is fraudulent and may use my personal information for illegal activity. I have not released my information to them and do not believe the stated debt charges are legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld alleges a debt that has never been owed and, even if it were, the statute of limitations would have run more than five years ago. Total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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: NY

Complaint narrative:
Several months ago I started receiving debt collection letters from Transworld Systems Inc . The first letter had my name spelled incorrectly and my address incomplete. I called the company to dispute the debt ( allegedly from " XXXX XXXX, '' a company I have never done business with ) and they said they would get me more information about when and where this alleged purchase was made. I never heard back from them with additional info, but did receive a phone call a month later asking me to pay the debt. I told the representative that I did not owe this debt and ended the call. 

In the past several days I have received two more collection letters from Transworld ; XXXX has a creditor of " XXXX XXXX , XXXX '' and the other has " XXXX XXXX XXXX , XXXX '' My name and address are now correct ( likely because I told them the correct spelling and address when I called about the first fake debt several months ago ). After the second letter arrived, I called Transworld again to dispute the debt, and again was promised more information that never materialized. Today I received the 3rd letter and am not even going to bother calling this dishonest, unlawful company this time. 

I am being harassed by this company with these repeated letters attempting to collect debt I do not owe. The amounts are fairly low ( the most recent letters were for {$50.00} and {$29.00} ) but the fact is that I never did business with these companies and do not owe them any money. I would like these fraudulent attempts to scam money from me to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express Centurion Bank is unreliable as a bank for disputes against unauthorized transactions period. They closed my account out after they though XXXX charges I authorized were not authorized!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express cancelled my cards after falling behind XXXX days on one of them - My Business Rewards Gold Card. I consider my business my business and not my personal account. On XXXX XXXX, 2015 AMEX issued a letter stating my account had not been closed and provided me a reservation number to pay my account by XXXX/XXXX/15 to prevent further action. I called AMEX on XX/XX/XXXX, spoke with XXXX in Account Services, and was advised I could make the payment on XXXX/XXXX/15 as indicated in the letter. I arranged to debit my bank account on XXXX/XXXX/15 for the balance due in full of {$2200.00}. During this conversation, I was transferred to Membership Rewards and then was advised my account was already closed ( XXXX/XXXX/15 ). I asked regarding my membership rewards points and was advised my account would be reviewed for reinstatement. I have been seeking credit for over XXXX rewards points since XXXX, 2015 and have been unsuccessful ( see attached error message ). I found that AMEX later cancelled my personal card ( XXXX ) as of XXXX/XXXX/15 but failed to advise me. I spoke with AMEX on XXXX/XXXX/15 to confirm the payment was credited and the XXXX XXXX account was in good standing ( with XXXX XXXX ). This payment was confirmed by my bank and the reinstatement process was initiated. I later noticed on XXXX/XXXX/15 my personal card ( XXXX ) was being declined. It appears both of my AMEX cards were cancelled by account services. AMEX states I would need to pay a {$25.00} reinstatement fee and that is the only way to get credit or use my membership rewards points. Every conversation with AMEX gives a different story and we continue to disagree. I am looking for my rewards that I earned and should be able to use within XXXX days of cancellation. I hope you can find this complaint in line with others and take the necessary action to see that others do not experience this. Today I have been transferred over XXXX times, talked over and I am told my cards were closed due to " holistic '' reasons. What is that suppose to mean? I reached out to the executive offices and spoke with XXXX XXXX and his explanation was this is a holistic approach to account management. I am seeking that my accounts remain closed per my request, and any negative reporting be removed from my credit bureau reports, a letter of credit reference be issued to me for each account, my rewards points be honored and reinstated at no charge to me. If the can not honor the rewards points without reinstatement, I am unwilling to pay the {$25.00} fee per card. I have paid all late fees in full and never been late on my personal AMEX ( XXXX ) account. I would estimate the XXXX MR points to be at around $ XXXX-XXXX in value noted below. Please contact me if you have any questions. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX - based in XXXX Over {$1600.00} collection amount on credit report for a {$300.00} credit card since XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX and credit card company did not file a claim. I attempted to settle debt for credit card limit {$300.00}. Debt collector attempted to collect XXXX % or more of a card -- - not used/closed since XX/XX/XXXX. Predatory Lending XXXX XXXX XXXX XXXX HSBC BANK XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1600.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX HSBC BANK XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was a signer on a corporate credit card, ( American Express ), for a company that I worked for, however, I never signed or accepted any kind of personal guarantee. The company became insolvent and was dissolved by the state trustee. I have explained this to American Express and they refuse to remove this record from my personal credit. I have asked them to provide proof of the guarantor, which they have refused to provide. This incorrect reporting has cost me time, money and has negatively affected my profile for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My Credit Card was cancelled without consent or reason. XX/XX/XXXX I was notified by Amex that there was a transaction that did not go thru and there is a possibility that my card was compromised. I called them and had my card replaced. By the time I received the new card it was XX/XX/XXXX. I called and went thru a series of security questions until i was able to activate my card once again. I used my card repeatedly over the next several months, paying on time and most of the time paying XXXX times a month because my spending was greater than my limit, ( i never went over my limit ). In XX/XX/XXXX I saw a notification on my app on my phone, that my card was cancelled. I called and I was transferred to the fraud dept. where I was spoken in an unprofessional manner. The girl was almost lecturing me as how I never called back three months ago. I asked her to please calm down and transfer me to a supervisor or a manger which never happened. They told me that in XX/XX/XXXX I never called to go thru the security questions ( which i did and was able to use my card 3 months ) and there was nothing they could do. The card was cancelled indefinitely, I would need to re-apply if I wanted the card. This does not make any sense because from XX/XX/XXXX to XX/XX/XXXX I charged and paid over {$3000.00} dollars. If there was a security issue why was I using my card for 3 months? I think this is unfair. I have never paid late and not only did I pay on-time, I paid off the card most of the time. I was charged a yearly fee for a card I was unable to use for a year and I requested 3 times to speak to a manager. They told me the manager is busy and I would get a call back. Needless to say, the manager never called back and as of right now my account is closed and it was reported on my credit report which reflects as something negative. My card was connected to my XXXX frequent flyer program which offered me free bag check at check in. I travel a lot and feel this was totally unfair. Im really upset and feel that my account was closed for other issues like I pay on time or pay my card off. Im really not sure. But what I am sure is that the reason they gave me is TOTALLY BOGUS!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Call repeatedly. When phone is answered they disconnect ... then will call again later ... multiple times daily. No collections outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have a Private student loan with UAS ( University Accounting service, LLC ), that before it was XXXX. I called them today to talk about XXXX XXXX for Borrowers who attended XXXX Colleges between XXXX. They said that the Loan services is XXXX and they are not on the program of forgiveness, the only thing that they allowed to offer was Forbearance, paying {$20.00} a month but interest still accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX Toyota agreed to pay any remaining balance including any wear and tear of the vehicle. I received a bill from World Omni XXXX for {$230.00}. I disputed this in writing with both World Omni and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World Omni refuses to remove the negative " charge off '' from my credit. It should be added on or about XXXX, 2016, a representative from World Omni unlawfully accessed my credit report to determine if my potential claim under the FCRA was justiciable. This is violative under the FCRA. World Omni failed to notify the credit bureaus when they filed a negative rating that the undersigned disputed the debt. They changed their remarks on my credit report after I advised I was going to bring a lawsuit to attempt to cover up from their previous violative behavior.

Company response to consumer: Closed with explanation