vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
The account it is said to be from XXXX XXXX Bank which I have called and was unable to get an account under my social security. 
The claims said to be incurred in 2007. I have asked for more information this case is now with an attorney XXXX XXXX. XXXX law has not provided me any of the information showing that this is my debt nor the exact date in when I was served. I have contacted them several times and I have been harassed ignored of my request. Now my employer has received documents for my wages to be garnished for an amount and a sum that is not my debt. wrongfully after my wages for an account that I have verified with the original Target that my social does n't appear in their system. I would like some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter stating that I had been selected for wage garnishment. I contacted the loan servicer Transworld Systems ( TSI ) to get enrolled into a rehabilitation program. My primary complaint is the fact that there are separate departments that deal with the set-up, verification and maintenance for each account and they do not all work efficiently together. So XXXX person in XXXX department will tell you XXXX answer and then later you will be told something totally different by another person or department. 
In my case, The set-up manager told me that I needed to sign XXXX different sets of documents and return them via email, but she sent me the wrong documents. I completed the paperwork, signed and returned as instructed and no one called for 2 days. On the 3rd day, someone called and said that my paperwork was incomplete and that I would probably still have my wages garnished until I got that to them. He then said that because I did n't have a fax machine the only way to receive them was by overnight mail! I happened to be accessing my bank account at the same time and realized that even though the agreement I made with the set up payment beginning XXXX/XXXX/16 and then on the first of each month thereafter, that I had already been charged for a payment! This is my second issue. My credit card was charged on an occasion OUTSIDE of the agreement that I made with this company. After all this, they still could not confirm that even though I had already made a payment that I will not have my wages garnished because of a problem they created. I spoke with a supervisor and she mailed me the documents immediately, but I still do n't have confidence that I will not be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Trans Union assisted XXXX by continuing to report this negative information without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XXXX ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

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 2015-03-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express sent me promotional offers to open credit cards. I applied for the XXXX XXXX XXXX paid the {$75.00} annual fee and spent {$3000.00} in the first 3 months. The promotion said I would receive XXXX XXXX points for this activity. I never received the points and when I called to complain they just said I received bonus points in the past and therefore was ineligible. I also open an American Express Rewards card via a mailer. Once again the promtion stated I would receive XXXX reward points if I spent {$2000.00} in the first 3 months. The same thing happen. They said they had no record of this promtion on my profile and I was again ineligible. I also receive multi page ( XXXX pages ) mailers at least XXXX a month stating changes in their policies. I can hardly keep up with these changes and when you call to complain they say you need to read your credit card agreement. Needless to say I 'm quite upset with this company and plan to close ever account with American Express. I feel this company is mis-leading the public and their business practices should be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received XXXX letters in the mail today from Transworld Systems Inc saying I owed debt on a student loan through XXXX. I have the confirmation from XXXX that all loans were paid in 2013. After doing some research online, I 've found that I 'm not the only one who has received issues from this company. The need to be stopped from harrassing innocent people. It also says on the letter that they have contacted my place of employment which is truly unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: MA

Complaint narrative:
I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I had an American Express credit card. I closed this card more than a year ago. About two months ago I got a bill for credit secure service charge on this card, which had been closed. The card no. ends in XXXX. I called the credit card company agent on phone and explained the situation to him. I had not applied for credit secure service and I asked him how the charges were applied to a credit card that had been closed earlier. He agreed to cancel the charges and close the card again. Now again I am being subjected to the same experience. Somehow the credit card has been reopened and a charge for credit secure service has been added again. Some late charges have also been added to these charges. I have contacted the customer service agent on telephone today and spoken to him. I asked him how the card has been reopened to apply this charge. He said he does not have any information about closing of the card. He said he can cancel the late charges, but can not remove the credit secure charges. He forwarded me to their credit secure telephone number. However only automated replies were available and no human was available to discuss my situation. I feel that I am being harassed by the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I made a settlement arrangement with Midland on an old XXXX account. They agreed to accept a settlement of 40 % which I paid to them. They did not remove the balance on this account. 

This is false representation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2016 I received an email from American Express offering XXXX XXXX if I applied for a credit card. I had been holding off on applying for any cards but thought the XXXX XXXX would be worth it. I applied and re-read the email I received. My husband worked for a credit bureau and so we have always been selective when it comes to this type of decisions. The email stated, " earn XXXX XXXX after spending {$1000.00} or more on your card in eligible purchases in the first 3 months of card membership. Plus, receive a {$50.00} statement credit after you make a XXXX purchase with your new card in the first three months. " I spent over {$1000.00} in the first three months and waited to see the XXXX XXXX ... they never showed on my account. I contacted Amex several times only to get the run around. After finally speaking to a supervisor, I was asked for a promotion code but explained that the email I received had a direct link and was never asked to submit a promotion code. I saved the email, sent it to Amex to review and was told I would have a response within XXXX6 weeks. This happened two more times after waiting 6 weeks each time. Every time I spoke to someone I was told that the promotion code I used did not offer but XXXX XXXX. I repeatedly explained that the email I received and used to sign up for my card had no promotion code attached but rather used a direct link from that promotional email. I have waited months, spoken to at least XXXX supervisors and no one can get this resolved. I have attempted everything I can, I feel lied to and incredibly disappointed in the amex customer service. I have been treated as a liar when I have proven that I am a loyal customer who has continuously paid on time and only used the email that I received from them. XXXX supervisor had the audacity to say that I was attempting to get higher XXXX becuase their amounts and promo emails fluctuate. I had to explain that I had received offers of up to XXXX XXXX before yet i was not asking for that. I was simply asking for what was promised in the email I received from them. it had come down to principle. Their promotional email was either faulty and the direct link did not take me to the correct page or it was a blatant lie. Either way, after months of attempting to correct this issue I have come to a realization that American Express only employs incompetent people who can not resolve this simple issue. I do not recommend them to anyone anymore as I now see that correcting even the smallest issues are nearly impossible, they are not willing to take the time to research the matter rather they pass you off to different representatives, tell you to wait XXXX8 weeks each time you call or do n't bother to give you an answer but " this has already been reviewed and nothing can be done ''. Their business practices are nothing short of unprofessional, deceitful and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 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: FL

Complaint narrative:
I was approved for the $ XXXX limit amex card. After a month I finally decided to use my card. Within a day they froze my account and asked me to submit documents as if I was applying for a mortgage. I felt it was contracts of adhesion so I applied and was approved for another card with without all the hassle and a much higher limit. After canceling my account they sent the account to collections without notifying me. I tried contacted XXXX at ext. XXXX who originally asked me for a numerous amount of supporting documents to keep the account open, but response. They have now destroyed my credit for an alleged {$100.00} balance I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I received a letter from First Federal Credit Control, Inc.indicating that I have been placed in collections by a creditor ( XXXX ). I called First Federal XXXX today and was advised that XXXX XXXX from XXXX wants to collect {$460.00}. I was involved in a motor vehicle accident and gave the hospital the name of my vehicle insurance company ( XXXX ). I have never received a bill from XXXX XXXX and feel strongly that he ( or she ) should have contacted me if XXXX did not cover the charges for accident which took place in XX/XX/XXXX. I am concerned that the doctor waited until XX/XX/XXXX to send me to collections without XXXX sending me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Having participated in Credit Counseling XXXX XXXX, which I do NOT need, on or about XXXX XXXX, I submitted Ocwen Loan Servicing, LCC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via certified mail my loan modification package. XXXX XXXX, I wrote Ocwen the reason for the delay of my loan modification to no avail. 
1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 
2 ) Contracted with XXXX - XXXX Home Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX and completed said modification on or about XXXX XXXX. Note : The representative involved in the modification process informed that I did NOT have to or make any mortgage payments being the fact of the modification loan in process. 
3 ) Representative later informed me that my modification loan was prepared by " XXXX XXXX XXXX '' which required me to correct the Cashier Check instead of XXXX. 
4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 
5 XXXX Learning from XXXX XXXX Bank - XXXX OH, Ocwen disclosed derogatory information with numerous credit bureau 's resulting denial of my credit application. 
6 XXXX As of this dated report, a " Partial Payment Agreement '' was not disclosed and do not know what it referenced to. 
7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. 
XXXX ) Combination of mortgage payment/ derogatory reports to the credit bureau 's, Ocwen Loan Servicing and the Debt Collection Division are not responding the issues I am concerned with, hereby requesting the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for American Platinum card with XXXX Membership Rewards points bonus after spending {$3000.00} in the first 3 months. The spending requirement was met, all spending are legitimate, no Manufacturing Spending, the XXXX points was posted to my account. Once the bonus posted I then closed this account. A few weeks later, the bonus was removed from my account for no reasons, the online forum suggested that maybe due to the American Platinum credit card account was closed " too soon '', however there are not wordings at all in the Terms & Conditions that the account MUST be opened, I have all the rights to close the account any time. I am requesting the XXXX MR points to re-post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I took a {$4000.00} balance transfer from Citi Card. This cost me {$120.00} for 0 % interest for 15 months. I continues to make my regular charges to my Citi Card. I made my monthly payment, on time, paying off all my purchases and a little additional. I was charged interest because I did not pay off the full balance of my credit card statement which includes the {$4000.00} I borrowed at 0 % interest. They charges interest on my purchases even though I paid off my purchases in full and on time.

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 monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Re-Inserted accounts violate the FCRA and needs to be remove permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied the AMEX Platinum Card when they have XXXX reward offer this XX/XX/XXXX and get approved. 
I met the spending requirement within 3 month, and then AMEX gave me the XXXX rewards at XX/XX/XXXX. 

However, they took my XXXX reward back few days ago without any info. 
I called AMEX customer service they said there is a unusually point activity flag on my account. 
But this does n't make any sense because I did n't use any point since I earn it. 
And then, the representative said he will help me to open a case to investigate that. 
However, I contact AMEX representative again today, and he told me he ca n't find out any update or further state on my case. 

It makes me feel worry about AMEX might not investigate this mistake fair and get my reward back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.

Company response to consumer: Closed with explanation