vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX XXXX offers an email stock option recommendation trading service, which recommends option purchases every Friday morning before something like XXXX XXXX XXXX. The offer, which I responded to was four weeks for the price of one week with an automatic renewal at {$79.00} per month. They also warn that there are no refund if the automated renewal is executed. 

As I enrolled after XXXX XXXX. XXXX on XXXX XXXX, 2015, my first set of recommendations came on XXXX XXXX, the second on XXXX XXXX, the third on XXXX XXXX, and the fourth and final set on XXXX XXXX. On XXXX XXXX, which was a Sunday, they charged my credit card the {$79.00}. 

My complaint is 1 ) as they know that they will not give refunds on the automatic charges 2 ) as they provide us the recommendations via our email address Why do n't they email us a reminder that they are going to submit the {$79.00} charge, especially to senior citizens like my self, who get distracted and forget. Also, the first set of recommendations under the {$79.00} would have been Friday XXXX XXXX, 2015, so they could have email a reminder. Also, they use a third party payment processing company. I called that company and requested that they have someone from XXXX XXXX call me. That never happened and my credit card company was unable to get them to issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around XXXX/XXXX/15 and continues through today ( XXXX/XXXX/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I do n't know what this is.. I paid all debt off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
Augusta Collection Agency is vicious. I contacted them to pay once I found out the bill existed ( someone else actually used my credit card, but I wanted to pay it so it would not hurt my credit ). Augusta Collection Agency messed up the information I gave them to pay the bill. So, they called me, but my friend answered. They discussed the debt with this third party. Then when I called and complained the woman was rude to me. I asked for the manager and he got on the phone and was worse. He yelled, was profane and threatened to refuse to accept my payment and send the bill to collections, if I did not apologize to them. He was lying to me, because I did not know at the time it had already been reported on my credit. So, I had to apologize to them for them to accept my payment, even though they were in the wrong. They are horrible, XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
To Whom it may concern, I 'm submitting a complaint as American Express is using unfair and deceptive practices as it relates to the issuance of Medallion Qualification Miles ( " MQM '' ) SkyMiles on their Delta Reserve Card. American Express claims to give XXXX MQM SkyMiles at XXXX different spending levels on their Delta Reserve Card ; a benefit for which they charge {$450.00} a year. They claim to issue XXXX MQM SkyMiles once {$30000.00} of total spend is reached, and another XXXX MQM SkyMiles once another {$30000.00} is spent for a total spend of {$60000.00}. However, the " Total Spend '' section of their website, which is the only place to track total spend, is according to American Express, not accurate. In my case, I tracked my spending for the entire 2016 year in order to meet the {$60000.00} threshold, and reached {$60000.00} in " Total Spend '' according to their website. When no MQM SkyMiles were issued, I contacted American Express and was told that although the website showed over {$60000.00} in total spend, that the actual amount was approximately {$57000.00} as the website included the $ XXXX in interest that American Express charged me, and those interest charges were not considered part of the " Total Spend ''. The only place to track spending is under " Statements & Activity XXXX Year-End Summary '' and it is labeled " Total Spend '' with no other disclosures or stipulations to indicate otherwise. As American Express is representing this amount on their website as the total spend for the year without stating, even in fine print, otherwise, it should uphold its agreement to payout the XXXX MQM SkyMiles as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 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: CO

Complaint narrative:
8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week. 
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years. 

5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills. 
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report. 
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
They will not answer calls to discuss debt repayment options! I continuously call their customer service number, navigate the automated system, am put on hold, told I will speak with the next available assistant in order the call was received, then told by computer voice that there is heavy call volume and to call back at another time and then I am disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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:
Debt paid in full. Reporting a full balance of {$290.00} and late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
I have been getting bank withdrawals from Northern Plains Funding, that I did not authorize. I contacted this organization trying to just settle whatever debt there was and the have been getting the run around all week and avoiding closing this account. I found online that this company is associated with illegal lending and identity theft and are hiding behind a XXXX. I have reported the identity theft and am stopping payment t through my bank, although I would rather just settle this issue so I do n't get any judgements, leins, or negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Ordered a product from a company with my American Express card. The account was closed about a month or 2 later. About 6 months later the product stopped working and the company issued me a refund to the original card. Called American Express and they said they had the credit. They were holding it. And when I had asked they said they would issue a check. It has been almost 4 weeks and still no check. I called them, they said they mailed it. Said they would send another one, but I asked them to send it via a method that was trackable and they would not. They are holding my money hostage and will not release the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
On XXXX XXXX, XXXX we received a letter from Transworld Systems , Inc. stating their records indicated we owe a balance of {$210.00} to XXXX XXXX XXXX Support for a medical bill incurred for our son. On XXXX XXXX, XXXX we phoned Transworld and requested written verification of this bill. On XXXX XXXX, we contacted the XXXX provider and were told no such balance was owed on this account, nor any other XXXX account. Transworld mailed us a copy of our statement from XXXX reflecting that a {$210.00} charge was incurred on XXXX/XXXX/XXXX. It also clearly states at top and bottom of statement that patient balance is {$0.00}. However, their correspondence does not address the balance, nor indicate that their attempt to collect this payment, is no longer being pursued, as a result of reviewing our provider 's statement. We are requesting that this agency immediately withdraw and cease this collection attempt and wrote a letter to the agency with a copy of our medical bill statement on XXXX XXXX, XXXX. As of today, we have not received a response. I am mailing a second copy of our original letter to Transworld again today. We would like written verification that this collection attempt has ceased as a result of updated and accurate information. We do not wish to see this false information fraudulently reported on our credit reports. Any assistance you can provide in resolving this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The first card still had a balance on it when the new card with my name arrived in the mail. The balance never transferred over and the first card stopped working. I called and they could not figure out or help me. Ok, so I let that go. I have been using the new card with my name on it for a couple months. Yesterday I put cash on the card at XXXX like I always do. The money is not showing up on the card. Customer Service sees the transaction in system and tells me it will take up to 45 days to dispute and fix the problem. Really? They get to sit and or use my money for 45 days. They can clearly see I put cash on the card and ca n't fix this today. Tells me to check my email for progress on the dispute. This is a scam and after I get or if I get my money I will use the card until it 's at zero and then cut it up. American Express prepaid card via their Serve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The card ( American Express Business Card ) promised 3 % cash back on one selected category up to XXXX per calendar year. Amex did not pay me cash back for my advertising expenditures ( my selected category ) totaling over XXXX. They stated that despite the fact that the charges were made for advertising they would not give me the cash back because the companies like XXXX and XXXX XXXX and almost ALL other major advertising outlets do not code their transactions as advertising ( most are coded as business services ) ... I was not eligible for the cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland mailed a post card to me that anyone could see and know I had credit issues. If they wanted to communicate with me it should have been in a discreet envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: MOHELA
State: ID

Complaint narrative:
I obtained about XXXX in student loan debt XX/XX/XXXX. When I graduated from college XX/XX/XXXX, I was n't able to pay back my loan at the minimum payment because of other debt. They would n't allow me to use an income-based payment plan because that only calculated my income and not any of my bills. Not being able to make the payment they always suggested that I do a forebearance which continued to accrue interest. When I finally had the opportunity to consolidate my loans, the lowest rate was 8.25 %. My debt is now XXXX and I pay 8.25 % interest on it. I 'm not allowed to re-consolidate at a lower rate so I 'm stuck with this high interest debt of XXXX. I 've been making monthly payments for a few years but I can only pay $ XXXX/month because of other income obligations. This does n't even cover my interest. I will be paying for this loan for the rest of my life with no opportunity to re-consolidate at a lower rate and the principal payoff increases every month. If I was able to use the income based repayment plan and have it factor in my bills vs my income, I probably could have made payments rather than forbearance. They made the forbearance option way too easy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Critical Resolution Mediation LLC
State: IN

Complaint narrative:
I have been called several times ( XXXX within XXXX ) with this place telling me that someone wrote a check and attached my name to it, and the check was bad so I need to pay. When I question who it was that wrote it was told not my business. When asked what its for and the amount they hung up. Tried to call them back and they start scream and cussing at me, also making XXXX comments to me. They refuse to mail anything to me. But want me to pay {$200.00} to them for something that is not mine or I will go to jail. I have never wrote a bad check even called my bank to verify all my recent checks where fine which they was. Then they started calling my husband 's phone doing the same thing telling him I need to learn to pay my debt. But I pulled my credit nothing on it at all, and they wo n't tell me what the check was for or when it was wrote just keep asking for me to pay or go to jail. The number that keeps calling is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-08-18 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: TrueAccord Corp.
State: PA

Complaint narrative:
I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. 
My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cottonwood Financial Ltd.
State: MD

Complaint narrative:
I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERICAN PACIFIC MORTGAGE
State: OR

Complaint narrative:
I was pre-approved for a conventional home loan XX/XX/XXXX by All Pacific Mortgage. I provided bank statements, pay stubs, and showed adequate funds for the down payment and closing costs. At that time I was XXXX. I did not find a house to purchase before XXXX. I then found a house XX/XX/XXXX. My pre approval letter expired while I was XXXX. My realtor spoke to the lender who sent me a new pre approval letter since my employment, income and savings had not changed since I got the last letter. The seller accepted my offer but on Thursday XXXX XXXX 2015 I received a phone call from the mortgage broker. He stated that the underwriter and banks will not lend to because I am on unpaid XXXX and I will not be getting paid for XX/XX/XXXX and XX/XX/XXXX. Then the broker stated that they would consider lending to me if I returned to work and ended my maternity leave early. He also spoke to my realtor and stated the same facts. I never received an email or any other form of written communication from the mortgage broker about not being eligible for the mortgage loan due to my XXXX status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation