vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion. 

I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an American Express ( AMEX ) customer. Prior to XXXX 2015, I made a hotel reservation through the AMEX XXXX ( XXXX ) web portal. Sometime in XXXX 2015, AMEX revised and remodeled the XXXX web portal in a manner that made prior reservations inaccessible to its customers and its AMEX Travel customer service unit. I was advised by AMEX Travel personnel that my reservation was irretrievable. Accordingly, I was led to believe my reservation was purged, erased and/or " lost. '' Months later I was charged a " no-show '' penalty by the hotel because it alleges the reservation was never cancelled, despite representations by AMEX travel that the reservation was " lost. '' I disputed the charge and AMEX has insisted that it is a valid charge. AMEX has consistently refused to acknowledge its responsibility for the penalty charge. I incurred the charge as a result of AMEX 's profound negligence, or as the result of a conspiracy of AMEX and its hotel partners to defraud and deceive its customers and impose frivolous, fraudulently incurred penalty charges when no services were rendered. I was given no opportunity to avoid imposition of such fraudulent charges. I have attached a letter I sent to AMEX that provides background on how AMEX 's negligent and/or fraudulent conduct resulted in an unlawful penalty charge that I was required to pay just to protect my consumer credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding LLC Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems calls me at least 8 times a day, after they were told not to, they will not verify the debt, they will not mail me anything and I believe the debt is outside the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 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: MA

Complaint narrative:
XX/XX/XXXX received dunning letter from Midland Attorney, XXXX, XXXX XXXX XXXX. Sent Debt Validation Letter - no reposnse. Not two weeks later I receive another dunning letter from Midland Credit Management ( MCM ) on the same alleged .debt ; Again I sent a Debt Validation Letter - no reponse. 2.5 years pass and I receive yet another dunning letter MCM. Again I send another Debt Validation letter ; this time MCM responds with less than validation. PLEASE NOTE THAT THIS DEBT IS NON COLLECTIBLE per order of the Consent Decree Between XXXX and the Consumer Financial Protection Bureau from XX/XX/XXXX. Also MCM violated the FDCPA and Massachusetts CMR 940 7.08 by contacting me XX/XX/XXXX without first Nvalidating the the alleged debt first from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for and received a credit card from american express. I have just received my first bill and no where on it is found my account number with the company. This is the first time I have ever experienced this ; in my opinion it should be illegal. No other credit card company I know of does this. I thought I had misplaced the card as I attempted to setup a bank payment for the bill for which the account number is of course required ; it took me some period of time, but I finally found it. I should not have been put to this trouble ; this is security taken a step too far - I should like to see this stopped before it becomes a fashion among the credit card issuers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 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: MA

Complaint narrative:
Midland Funding LLC continue to send collection letters for a debt that was already paid to them. Their attorneys XXXX XXXX and XXXX offered me to delete the credit report in exchange for the payment in full of {$1200.00} as of today they have not deleted the credit report and they continue trrying to collect the debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I spoke with XXXX XXXX XXXX. I told them that IXXXX was out of work and they agreed to allow me to make payments to them. They came to my house unannounced and removed some trappings from around my house. I was then contacted by Transworld, and the collector threatened me and said that this would be my only chance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This company has been calling me everyday for the past few months and hanging up without leaving a message, or leaving a message with nobody speaking except people in the background. I called XXXX of the numbers back today and they said they are " Transworld Systems Incorporated ''. I gave them my number and they said they do n't have any record of calling me, my number is not in their system so there is nothing they can do. The numbers they have called me from are XXXX, ( XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: MI

Complaint narrative:
School: XXXX, XXXX AZ
My student loan was apparently transferred from XXXX to XXXX. I have asked UAS for copies of the signed promissory notes for the XXXX loans held by XXXX. If my loans are owned by XXXX and are being serviced by UAS then they should have the original loan information. They should not be allowed to threaten to report a delinquency to the credit reporting agencies if they cannot provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
With only 11 days prior to my next mortgage payment due date on XXXX XXXX, I receive a letter from HSBC, stating that my mortgage will no longer be serviced by " HSBC '' but will now be serviced by XXXX XXXX XXXX. Concerns listed below : 1 ) The letter warns that the mortgage loan number will change but it does not provide the new mortgage number. 

2 ) The letter also instructs me to make a payment via mail to XXXX XXXX XXXX by XXXX XXXX. 

3 ) The letter states that I should update my bill payment payee but my bank requires an account number and no account number is provided. 

4 ) Since a loan number is not provided how will the moneys be credited to my mortgage if I do mail in a payment to XXXX XXXX? 

5 ) The letter states that HSBC will not accept payments and if any are received they will be forwarded to XXXX through XXXX 2016. How and where will I see that the moneys have been credited in a timely fashion? 

6 ) When exactly will the new mortgage loan number be issued? 

7 ) Recently I received an escrow analyses from HSBC asking me for additional moneys to cover a shortage in my escrow account. This particular letter lists an option for paying the difference in XXXX lump sum or by having it spread over the 12 months of payments which is my preferred option. Why does my current statement bill me for an extra {$540.00} and refers to this amount of {$3000.00} as the " regular monthly payment ''? ACCORDING TO THE ESCROW ANALYSES THE REGULAR MONTHLY PAYMENT IS {$2500.00}. 

8 ) Lastly, I 'd like a current amortized statement inclusive of all payments sent to HSBC since the mortgage service changed hands to XXXX and indicating how many outstanding payments remain. 

Given the poor ratings XXXX receives on all consumer websites I am very concerned about this change. The number one complaint is that payments are not accepted because XXXX does not recognize the account numbers. 

What are my options and why is this change taking place without sufficient notice? Eleven days for a change of this magnitude is not sufficient time. Frankly the suddenness of this whole change is rather predatory. 

I requested from HSBC to revise the regular monthly payment to what was shown on the escrow analyses in the amount of {$2500.00} rather than the {$3000.00} shown on the XXXX XXXX statement which is incorrect. 

I spoke an HSBC representative who assured me the payments would be adjusted but I have not received a new statement to reflect this and I also have not received the letter from Nationstar informing me of the new account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 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: PA

Complaint narrative:
I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TRANSWORLD SYSTEMS INC is reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV from the company and I do not have knowledge of this debt. I work very hard at keeping good credit and this collection has significant effects on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for the AMEX XXXX card with a bonus of XXXX points upon spending XXXX within 3 months. I met the spend and was awarded XXXX points by first statement in XXXX. Then in XXXX, my bonus points was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Gift Cards charged {$60.00} in inactivity fees on a {$100.00} balance card, received in 2005 and never activated. 

I have some repsonsibility for losing track of the card. XXXX of the balance in fees is excessive. Amex reversed the last $ XXXX monthly fee and reissued a card with a {$40.00} balance. I 'm not satisfied. 

Current Amex Gift Card policy, prominently displayed on the website, is " No inactivity fees or other fees after purchase '' and " Funds do not expire '' [ 1 ]. 

There was even a class action [ 2 ] settlement. All action dates have passed. I did n't find out about it until after I discovered the card and reduced balance. 

We have XXXX of these cards. Only XXXX has been addressed with Amex. I respectfully request the complaint cover both. 

[ 1 ] XXXX [ 2 ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Both XXXX along with Midland Funding LLC, are still attempting to extort money from me. Every year Midland Funding try 's the same XXXX.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is XXXX doing the dirty work. Allegedly I owe Midland Funding {$4200.00} dollars this year. As always neither Midland Funding nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit on XXXX XXXX XXXX to find that my credit report had an error in there that included XXXX Mississippi two times I have no knowledge of this account that is reporting on XXXX XXXX from XXXX Mississippi I believe that the credit bureau Equifax added that account on my report due to retaliation because I file a complaint on them with the CFPB I am asking for both of the XXXX Mississippi accounts to be deleted off my report this error has made my credit score go down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express reported a collection account on my personal credit report even though the collection account is not my personal account. The borrower on the subject American Express account is a corporation which is " XXXX XXXX XXXX XXXX XXXX, XXXX '' and has a corporate tax id # of XXXX. Thus, this corporation, and not me individually, is the borrower. Because I am not personally the borrower the reporting information has no reason to reflect on my personal credit report ( My social security number is XXXX ). The corporation is the borrower, not me, and is a separate and distinct legal entity under Florida and Federal law. ( the corporation is a Florida corporation ). The account number that is being reported that belongs tot he corporation is XXXX XXXX XXXX XXXX. For whatever reason the account number that is reflected on the attached statement is different but notice the amount that is stated on the credit report {$30000.00}, is the same exact amount as on the attached statement. It is in fact the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express agreement stated that I would receive XXXX membership reward points after XXXX in purchases in 92 days ( three months ). This was a promotional program. I have not received those points. I contacted American Express Customer Service regarding the points not being applied to my account. I have not received a resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have an American Express Delta Platinum credit card, of which one of the advertised benefit is XXXX bonus Medallion ( Elite ) Qualifying Miles after {$25000.00} of eligible spend is applied to the card. I believe that I reached this threshold bonus in Calendar Year XX/XX/2016, but my bonus Miles never posted to my XXXX account. I contacted American Express about the problem back in XX/XX/XXXX and they opened an investigation which they informed me this evening had been closed with a ruling against me. 

I was informed that the research department had determined that I had spent {$XXXX}. ( Other representatives told me that I had spent {$XXXX}, meaning that there is n't even a consensus within the company of how the " eligible '' spend is calculated. ) Most importantly, American Express includes a feature called a " Year End Summary '' that is featured prominently in the online account portion of their website and shows all charges and categories of those charges made for the previous calendar year. My Year End Summary shows that I made charges totaling {$XXXX} in XX/XX/2016. If that number is calculated differently than the number for the threshold bonus, that is incredibly misleading. 

If one or more of my transactions did not meet one of Amex 's apparently multiple definitions of " eligible '' I could have easily completed additional spend, if I had been aware of the issue and had n't been misled to believe that I had already met the threshold until it was too late. I believe that Amex purposely misleads consumers into thinking they 've spent more than they have in order to avoid paying out such threshold bonuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I purchased an XXXX XXXX on XXXX XXXX, XXXX with my American Express Blue Card ( No. XXXX XXXX XXXX ). It proved almost immediately defective. I shipped it back to be repaired. The company billed me {$83.00}. I disputed this claim as the product was clearly defective. American Express agreed and reversed THAT charge. However, after an airplane flight early in XXXX the product proved defective yet again. I gave up on it as XXXX XXXX refused to fix it. I filed a dispute with American Express to get my money back ( I bought another XXXX from XXXX which has worked fine for over a year now ). 

The defective product should have been covered under American Express 's warranty programs. I treated the defective product in no way badly and it was only a few months old. American Express has refused to honor their warranty. ( The last Claim Number I have with American Express for this matter is XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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: CA

Complaint narrative:
I have disputed the issue with the credit reporting company and received NO response other than we will send it out today. We paid a judgement off XX/XX/XXXX and have not been able to be released on the lien/credit report as no Satisfaction of Judgement has every been received by myself, my wife, representatives or the courthouse. Please see attached letter to them for information on steps we 've taken to take care of this. This has been an ongoing battle for close to five years, but more recently more aggressive in obtaining it due to escrow. XXXX XXXX was attorney for Midland/MCM ( Collector ) for XXXX the original debtor. 
MCM # XXXX ; XXXX # XXXX ; XXXX XXXX ; XXXX Superior Court Case # XXXX FYI : XXXX XXXX mishandled many clients XX/XX/XXXX according to many articles online.

Company response to consumer: Closed with explanation