vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: MD

Complaint narrative:
Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Pacific Rim Alliance Corporation
State: AZ

Complaint narrative:
After paying on this loan since XXXX of 2014, I would call just to find out that the amount of the loans continues to stay around the amount the I borrowed. I was not under the impression that the payment that I make every payday most if not all is going towards the payment. I came to find out that it 's only paying towards the interest.

Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( XXXX ) HFC lured Me into a loan agreement by overvaluing the residence by {$70000.00}. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from XXXX and other charges applied to Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am having trouble with American Express investigating fraudulent activeity on my card as well as paying {$2100.00} when not authorized to do so. 
Every 60 days they remove the dispute without resolve andthen charge me {$27.00} for being late when I have paid all lineitem charges in full each month that are not in dispute. I am an attorney and careful about following the law. It is in legal, but nothing is being done, so every sixty days I come backhere and complain again. The account has been in disputesince XXXX 2013 with no resolve -- and because theydeem the account late every sixty days, when it is reallyin dispute they remove my rewards points earned and I haveto spend hours trying to get them just to comply with the law, not to mention reconciling the account. Please read theattached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: IL

Complaint narrative:
I began paying Student loans in XXXX XXXX. Beginning Balance was XXXX @ interest rate of 6.55 %. Have made all payments required by the U. S. Department of Education through XXXX, XXXX. At that time I was informed that my loans were transferred from XXXX to MOHELA, another U.S. Dept. of Education loan servicer. Automatic debit to my checking account has continued on the XXXX of each month to the present. I calculate that I have paid more than enough interest during this 4.5 year period to reduce my principal. Instead, MOHELA says my principal balance has increased to {$36000.00} as of XXXX/XXXX/XXXX. So while I thought my principal balance was being reduced each month, my principal balance was increase by {$4600.00}. I can not determine how this is possible from the XXXX website, or from my conversation with their HELP line. All Loans were for a degrees at XXXX in XXXX, KS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Client Services, Inc.
State: CA

Complaint narrative:
I owe Client Services, debt collector agency, ( Add : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; Ph # XXXX ), an amount of {$1300.00}. 
I wish to pay the amount but they are refusing to accept payment by Credit Card. 
I have no other way to pay this amount but they are refusing to accept the amount from Credit Card. Say that it ia aginst their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX / midland credit management is reporting as a collection item. I have no idea what this is for. I do not owe midland or XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GVA Holdings, LLC
State: CT

Complaint narrative:
I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My credit card with American Express ( card no. XXXX ) went delinquent due to income drop and recent ( XXXX ) unemployment. Nonetheless the account was paid up-to-date, as of the last billing or at least I thought. Thought sometimes late payments were made according to the billing received ( last paid XX/XX/XXXX ) and according to the billing the account is not overdue. In retrospect while I am being billed the account was placed with a collection agency XXXX XXXX XXXX. I wrote them XXXX XXXX, offering a payment arrangement and requesting a lowering of the interest rate that American Expressed increased to 27 %. 
That went nowhere, while at the same time I paid American Express according to their billing. Then I received notice from a XXXX firm ( XXXX XXXX XXXX, XXXX. ) XX/XX/XXXX. They were requesting that I contact them to discuss repayment of the debt that I am paying to American Express. I called American Express and got a recording to call the attorney 's office. I called the Attorney 's office on XX/XX/XXXX between the hours of XXXX Est. and XXXX Est. and was transferred countless times, and left on hold for over XXXX minutes. I called them again today XX/XX/XXXX between XXXX and XXXX. I was transferred at least XXXX times and again left holding the phone for over 10 minutes. At this point, American Express is billing me but not taking my calls, calls to the attorneys office are an exercise in futility, and I am concerned about an attorney suing me, while American express is billing me and I am making an attempt to repay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to XXXX 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of XXXX % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was XXXX and have been paying XXXX per paycheck since XXXX of 2012, which is 41 months as of today. The total I have paid as of today is XXXX dollars or more. I can not receive a callback from Asset Acceptance LLC to explain why they are still garnishing my pay even though I have paid XXXX over the total debt owed. They will not stop the garnishment after numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
This is my place of employment and they continue to call this number instead of my private number even though they have been requested numerous times that I can not receive these calls at work nor confirm my social security number at work. It is a public place that anyone can hear the conversation. I have requested they call my private number but refuse to and then state that is me refusing the debt and still continue to call my work

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
RE : Credit Card Reporting HSBC Account # XXXX Age of Accounts/Length of credit history Dear Consumer Financial Protection Bureau : I have a closed HSBC account and that had this credit card for over five years and still has a balance on it. According to XXXX, they claim the creditor requested it removed ( credit grantor removed ). I also reviewed my credit history and discovered that other accounts such as my XXXX XXXX account that I had for over 17 years was also not factored in my credit history/ age of accounts. 
The result of creditor removing my HSBC account caused the age of my credit history to shorten and caused a poor status. These actions to remove the above referenced account was done intentionally to cause the age of my credit history to shorten, resulting in a poor age/history status. 
I have had this HSBC account since 2003, and there is a 13 year perfect paying status that has been removed by someone either from HSBC or the credit bureaus to cause the age of my accounts to be more recent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have credit cards that offer variable rebate rates, as high as XXXX percent. They are currently American Express cards, but, my new XXXX XXXX issued card has the same problem. 
The billing statements do not supply any detail as to which vendors paid which percentage. 
Without this information I can not tell where to shop. For example I get XXXX Percent at grocery stores, XXXX grocery has a gas station, I get XXXX percent ( on this card, but XXXX percent on my new XXXX card ) if it is a gas station but XXXX percent if it is a grocery store. Since there is no detail I can not determine which card to use or where to buy my gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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 paid the debt off and the collection company is still reporting as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Irecieved a consumer credit report claiming I was denied for AMEX serve card. upon contacting American Express I was informed that I was approved and there should be no reason on any file to deny my Request since the Credit Company itself did not deny me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I upgraded to an American Express Blue Cash Preferred card In XXXX ( annual fee {$62.00}, advertised as 6 % cash back at supermarkets ) from the XXXX card ( no annual fee, 3 % back. ) In XXXX, I realized that I had not received any " Reward Points '' for cash back since I switched. I called and spent a huge amount of time on the phone and was told there was a computer problem that would be fixed within a few days and someone would be in touch with me. 

I have called and web-chatted several times since then and gotten nowhere. 

Today I called and spoke with a supervisor named XXXX, who would not give me a last name or identifying number. She said there were many thousands of people affected by the problem and we would all eventually get all the cash back that we are entitled to, but she could not tell me when, and would not send me an email putting anything in writing. 

My friend thinks this is a scam - that American Express realized 6 % costs them too much and we will all eventually be told we do n't qualify for some reason. ( The fine print says " additional conditions apply '' but does n't spell out the conditions. ) It seems preposterous that American Express ca n't fix a computer program problem in 6 months. Is this a scam? 

Many thousands ( millions? ) of people probably switched to these cards when they saw the 6 % so I assume this issue affects many many people. ( some may not even realize they are not getting the cash back rewards that were advertised and promised ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 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: MO

Complaint narrative:
XXXX XXXX, XX/XX/2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The creditor Midland funding LLC original creditor XXXX has entered a judgement against me for a debt that has past the statue of limitations and is time-barred in XXXX. I believe they are conducting unfair business practices. They have violated the Fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: WA

Complaint narrative:
This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied XX/XX/2016 for American Express Personal Platinum with a bonus of XXXX membership rewards points. XX/XX/XXXX those points were awarded after I spent XXXX in purchases on the card. On XX/XX/XXXX the XXXX awarded points and XXXX points in my previous balance were frozen. I could not use them, spend them, or transfer them. I opened another CFPB complaint and AMEX responded stating my spend was not enough ( over XXXX ) to earn the bonus, which was false. I decided to close the card on XX/XX/XXXX to see if my points would unfreeze. They did, and I was able to buy a gift card. Then on XXXX XXXX I tried to use my points again and they were frozen. On XX/XX/XXXX I logged in to see I was negative XXXX points in my account which means AMEX took back the bonus I had earned. I called Amex on XX/XX/XXXX and the membership rewards person informed me that my spending had been fine, but that the personal platinum product was identical to my XXXX Platinum and therefore I would n't earn the bonus. The problem here is that the XXXX Platinum is not the same product, and the wording in my offer for the XXXX XXXX did not say anything about having only XXXX platinum card in your portfolio. Also, I received no bonus for the XXXX Platinum as it is a banking solution from my investments, and does n't appear to be tied to any other Personal Platinum product. After doing research I was informed that the XXXX are not the same product, and AMEX has stolen the points I earned for my first ever Personal Platinum product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB, This complaint is in regards to American Express not awarding a bonus offer on a credit card after meeting the T & C and minimum organic spending requirement. 

Several months ago, XXXX Membership Reward points were awarded by a representative and a chat log was indicative of this. This bonus offer was attached to an American Express Platinum card that I had downgraded after a poor experience at a XXXX XXXX in XXXX. The points were awarded and listed as 'available, ' leading me to believe all terms and conditions of the offer were fulfilled. 

Strangely, I was not given any indication or letter about the lack of bonus offer and believe I may have been misled by false advertising. I would like to request intervention. Thank you.

Company response to consumer: Closed with explanation