vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am currently an American Express Business Platinum card holder. For almost the last month I have been unable to use any of Membership Rewards for travel purchases or transfers. I have contacted American Express multiple times and am continuously transferred to multiple departments, all telling me different reasons for why the site is down as well as different time frames that it should work again. I have not received any call backs regarding the issue and am now going on almost 30 days of being locked out of using any membership rewards points I have earned. At this time the only help I have been offered is to have their 'travel team ' book my travel for me for a fee. It seems ridiculous that AMEX has locked me out of my account and is forcing me to pay a fee to book travel that I should otherwise be able to do for free on my own via the amex travel site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
A company the XXXX claims that I owe over {$1000.00} to pay for an audit on a account with them that I do n't have. I cancelled my account with them and yet they want to do an annual audit for a workers compensation account that I paid with them for nearly a year. 
Now a collection agency RMS sent me a letterA representative told me that they needed to audit my account in order to decide if my monthly payments for the next year coming up would be accurate. I 'm not doing business with them in the next year so there will be no payments at all. So it seems unjust to me to pay a ridiculous amount of {$1100.00} for them to run my income report etc ... 
And in the one year I did do business with them, my financial disclosure was accurate on my end so I have nothing financially to hide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I 've had problems with HSBC MasterCard and after multiple calls to HSBC customer support and Customer Relations office HSBC refunded late feed on the account. HSBC promised to refund all late charges and on XXXX XXXX, 2016 HSBC customer service told me the M/C account balance was {$0.00}. On XXXX XXXX, 2016 HSBC sent me a bill forl {$37.00} in late charges on an outstanding balance of {$0.00}. HSBC failed to do as promised and refund all late charges on this Master Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: FL

Complaint narrative:
I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
To whom it may concern My name is XXXX XXXX. I was card holder of XXXX from American express. My ending account number was XXXX. On closing date statement of XXXX/XXXX/2016 I paid my full statement with the amount of {$810.00} on XXXX/XXXX/2016 with conformation number XXXX and then contact with customer service and close the account and ask them to make sure this account have been paid in full and closed. couple month ago before the closing statement to what ever reason I did not receive the statement and when I saw in period of time which I expecting the statement from American express card statement, I did not receive it, I called to customer service and explain for them I did not receive the statement and when they check my mailing address, there was issue with their system. I never have late payment with them and paid in full till closing the account and customer service representative adjust and refund the late fee and refunded to my account. Unfortunately after closing the account they sent me another bill with amount of {$10.00} for interest without any explanation what is this interest for. I called them again and they told me this is interest for that {$27.00} late fee!! I told the customer service representative if Amex adjust the fee and the issue was with their system what 's the meaning of interest for late fee and this fee and interest is not in their agreement. I refuse to pay this {$10.00} to them and after while they sent me the check with amount of {$1.00} for my extra point!! After while they sent me another letter which they mention the account balance is XXXX.Recently when I check my credit report I saw they report this amount of {$10.00} to my credit history and mess with my credit score and this is NOT first time I got damage from this company. 
I talk to my attorney and explain the case to him, he encourage me to first open the case here to find solution for it and then if It is not work out step to next action. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Today alone I have been contacted 4 times by American express, they threaten me. Claimed that if I did n't pay them {$6000.00} this month that they would drain my account and seize all of my assets

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I disputed with all three credit rating agencies and American Express, a charge-off/write-off posted by American Express on my credit report. I provided proof of payment that brought my account current as well as paid double the amount of my minimum payments each month. Some payments were made directly on Amex and others as direct withdrawal via their agent XXXX. I was told by Amex 's agent that as long as I kept my account current and paid the amounts agreed upon, Amex would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to Amex Website as well as have automatic withdrawals. I have documentation on Amex paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to american express. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on americanexpress.com. In addition I am paying as posted on Amex 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
I am in foreclosure with HSBC Beneficial. In XXXX, the Office of the Comptroller of the Currency ( OCC ) sued HSBC for failing to meet the requirements of the Independent Foreclosure Review. I filed a complaint with the OCC and they advised me to file a complaint with CFPB. I would like to know what HSBC agreed to do for their mortgagees like myself who were placed in foreclosure with out the proper steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp.
State: CO

Complaint narrative:
I have a closed account with XXXX XXXX. They never had my billing address correct and thus I 've never received a bill. I have asked their debt collectors to send me a bill at least 5 times now. They never do, and they just keep calling. I ca n't pay a bill without actually seeing the bill, but they wo n't send it to me and just keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I canceled my membership to XXXX and then revived a notice from Transworld Systems saying I owe $XXXX. I tried to call them but the answering service hangs up, so I sent them a written request for proof of what they say I owe and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received from my employer a Judgement/wage garnishment from Midland funding. I contacted Mindalnd Funding immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to Midland Funding that the credit card owed was a legal responsibility of my exhusband, but Midland funding only gave me the option of paying the amount in full ( along with legal fees and interest rate ), or Midland would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork ( legal document ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
I HAD BEEN UNEMPLOYED AND CA N'T PAY THE DEBT OF MIDLAND CREDIT MANAGEMENT FOR THE XXXX DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I made a {$300.00} payment to First Investors Financial Services. I have spoken to them several times concerning the payment, sent them documentation to prove the payment was made, and had the bank ( XXXX XXXX ) contact them twice concerning the payment and First Investors Financial Services has continued not to recognize the payment. Please help me get First Investors to recognize this payment I have made.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
It came to my attention of XXXX midland accounts when viewing my credit reports. On separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX and XXXX pertaining XXXX Midland accounts ( XXXX ) and ( XXXX ) and the disputes were returned verified. After That I sent midland an email on their website dispute system to direct dispute with them on XXXX 2015. They have sent me no verification whats so ever, then midland sent me a bill to pay them in XXXX, I do n't read XXXX. After some investigation on my part, I am concerned that this account may not belong to me, and the reporting to XXXX XXXX and XXXX Is not accurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ). Also Midland is not suppose to report a collection account under " revolving open accounts '' Showing it is an open account on monthly terms with XXXX plus lates. This is a violation. Midland is a collection agency and did NOT extend me any credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-23 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 do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 

On turning the age of XXXX, it became my XXXX policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 

On turning the age of XXXX, it became my XXXX policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: MO

Complaint narrative:
I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and Transworld Systems. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or Transworld System. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a complaint about a purported denial by AMEX of a credit card application, which I did not submit and which was indisputably generated as a result of a computer glitch. Even though AMEX staff recognize that the denial was triggered by a technical glitch, they have refused to withdraw or amend the letter of denial on the ground that the letter was machine-generated. A letter of complaint which I addressed to AMEX on this matter has remain unanswered. A copy of the letter is herewith attached. Not satisfied with AMEX 's failure to respond to my letter of complaint, I have taken the advice of the AMEX staff and torn up all my AMEX cards. I take exception to the unsolicited letter of denial which I have received, the deliberate falsification of the record by AMEX and the potential adverse impact of a false letter of denial on my personal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I visited XXXX on XXXX XXXX, XXXX, my insurance company, XXXX paid the claim for this visit on XXXX XXXX, XXXX. XXXX XXXX XXXX contacted me about the payment and I submitted my ins. docs to them for verification of payment and I never heard anything back. XXXX XXXX I receive a letter from Transworld Systems INC claiming I owe {$970.00} which is and additional {$340.00} on top of the {$620.00} that my insurance company already paid XXXX XXXX XXXX. I disputed this claim an I provide TSI the same verification that I sent to the health center, but on XXXX/XXXX/XXXX XXXX sent a collection notice to the credit bureau now my credit score has been effected.

Company response to consumer: Closed with explanation