vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We were late with out payment and arranged a payoff with them due XX/XX/XXXX. They instead sent a repossession team to our house and hollered at the top of their lungs to pay my debt and called me a " XXXX ''. One of the guys had his hands in a fist and was threatening to XXXX me. I recorded this on our home security system with the originals at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This company wrote me a letter about a debt I do not owe. They say the debt is owed to XXXX XXXX. I have never done business with such a company. 

The amount owed was {$30.00}. The fees were {$4.00}. The total was {$34.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
This is a copy of the voice transcript of a message from Trans world Systems. They think I have a debt. 
" company (? ). This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX-either (? ) at XXXX. Again that 's XXXX had either (? ) at XXXX. Thank you. Trans world systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up with XXXX on the internet to receive recipes. I thought it was {$9.00} per year. The ad did not specify the time period. After the initial trial period they started billing my credit card {$9.00} per month. I called my credit card company, American Express and opened a dispute. I canceled the subscription on XXXX XXXX, 2016. American Express told me on XXXX XXXX and XXXX XXXX that a merchant block had been placed on my account. This company refuses to honor my cancellation and continues to bill my American Express card. I have contacted American Express who says that do n't know why or how the company continues to bill me. The latest charge was XXXX/XXXX/2016, completely unauthorized. I spoke with American Express again on XXXX XXXX, 2016. They told me there was a block on my card but the merchant can bill me anyway. Something must be done about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was contacted by Midland Funding LLC. They have filed a lawsuit # XXXX out of the XXXX XXXX # XXXX Judge XXXX XXXX in XXXX Texas, filed XXXX we have ahd this problem with XXXX concerning a different case. You have helped us in the past. We have a letter from the previous bank that reimbursed our account over {$5200.00} in XX/XX/XXXX. We have also have had credir card companies sending mail to XXXX XXXX. We have been married over XXXX years and XXXX does not get any mail for nearly XXXX years with the name of XXXX XXXX. The credit card company who sold the debt to Midland Funding was XXXX credit card. We never had a credit card of that name. I do not have the credit card # nor when it was issued. We only use our debit card when we do not write a check, we have paid bills on line with both our checking account and debit card. This has put us in an extremely difficult situation. We do not have the money to retain an attorney, so my husband is doing all the legal paperwork. Midland 's phone # is XXXX, the address is XXXX XXXX XXXX XXXX California, XXXX. Please help us if you can. My husband requested documents, ie signed application forms from XXXX and Midland Funding concerning where I signed the original application so we can prove that the signature will and does match my own signature. 

Thank You, XXXX XXXX ( maiden name on credit card ) Married name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received an application for the American Express Platinum Card in the mail ( RSVP XXXX ). When reading the fine print for access to XXXX, as one of the benefits, the AMEX advertisement under " Additional Disclosures, Number XXXX '' makes this statement " The Card Member 's spouse and children under the age of XXXX or up to XXXX companions may enter the club as complimentary guests. '' Per XXXX Access and Policies ( XXXX ), it states : " Platinum American Express cardholders may enter the club with up to XXXX guests for an additional fee. '' That fee is {$29.00} per guest. This policy was last updated on XXXX XXXX, 2015. The AMEX policy was last updated in XXXX 2015. 

These XXXX advertisements are in direct contradiction. The AMEX advertisement fails " Truth-In Advertising Laws '' established by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently signed up for a American Express Blue Cash Everyday card. Upon signing up a scheduled an automatic payment so that the required payment would be paid in a timely manner. I received a confirmation XXXX/XXXX/2016 that my automatic payments were set up. My first payment date was n't until XXXX/XXXX/2016 ; however, I recently received a late payment fee of {$27.00} since the automated payment was not processed. I called the customer support number and learned that even though I configured my automatic payment over two weeks in advance that it would not start until XXXX/XXXX/2016. This resulted in the company charging me a late fee even though I had actively tried to set up payment.I had to contact the company and they made it seem like it was my fault for not paying the first payment on time and that they were doing me a courtesy in refunding my late fee. I think there are probably many people that are in the same situation as me but may not been as vigilant with their statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XX/XX/XXXX-XX/XX/XXXX, after XXXX military service. I moved back to XXXX XX/XX/XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) Midland Funding , LLC is the collection company in the states, represented by XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was double charged by a vendor. American Express has only investigated superficially and will not thoroughly investigate what is clearly a double charge. We have provided proof clearly indicating the charge was unwarranted as well as proof that the vendor has repeatedly lied to American Express but they wo n't take my claims seriously at all. The vendor has created a false narrative along with false papers to assert that the charge was owed. I understand that Amex can not be expected to see through the lies, however, my claim is simple. I am asking to see signed authorization for XXXX charges. American Express has only XXXX signed authorization and can not provide any further proof towards the second charge and yet they wo n't refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I received treatment from a place called XXXX before I was seen by a doctor I had to submit my insurance information and a debit card on file. I never received a bill for the remaining balance that insurance did not pay instead the company was bought out by XXXX XXXX XXXX and all bills were turned over to Transworld collections I noticed the bill on my credit report and called and paid the bill immediately but also wondered why they did not use the debit card on file or XXXX card to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express cancelled my card with them after being a member since XXXX. The representative I spoke to because of a return payment ( 2 ) times stated I needed a review and had to send documents in to prove my income. I had fraud on my personal checking account and it caused two payments to be returned I was in contact with American Express, but due to the fact that I am a XXXX elderly man, this representative abused his authority and took this review to levels not necessary, he was rude, and had his mind made up about closing the account before I even sent the required information, I feel discriminated against and I lost a very important card valuable to my business operation. Now since canceling the card I receive collection calls a week before the due date everyday automatic call telling me my card is past due, I made a payment today the due date and had to speak to a representative because my payment could not be done automatically because they placed the account in collections even though the due date was XXXX/XXXX/XXXX and not past due. For the past 6 days I have received calls in the early am and late at night outside the collection law boundaries and the account is not late. I feel that American Express has egregiously treated me and discriminated against me because I am a XXXX elderly male.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Claim Number # XXXX I am very pleased to receive a check after CFPB reached an agreement with Equity Accelerator Program which is associated with HSBC Bank. I have a mortgage loan with HSBC in XXXX along with other accounts, but the bank seems just ca n't offer me an easy access to my loan account online like the other accounts I have with them. then, three years ago, i filed complaint to my financial manger in XXXX XXXX and demand a more transparent loan account information showing how much i have paid and the balance of my loan account in daily basis ONLINE like the other accounts. as you see from the attached, the mortgage information is always un-accessible online. to get my mortgage info, i had to made a call and then was transferred to a remote unknown country to get my mortgage information!!! Even so, they are not helpful and have no concept what they are doing. To make a story short, finally i receive my loan info monthly through mail, but online information has never existed. it always experiencing an " ERROR ''. Last week, I made a call to mortgage center ( this time within the U.S ) to find out the exactly amount to pay off my mortgage. I was given a number, but after we did some calculations the numbers were off what we owe. I bought a house for {$200000.00} in XXXX in XXXX with 20 % down. then, in XXXX, i signed up a speedy seven years payoff program by paying bi-weekly with Equity Accelerator. I am not an expert of figuring out how much i have paid to the loan and the balance, but I was given the number of {$87000.00} to pay off the loan as XXXX/XXXX/XXXX. we are skeptical about the numbers and hoping CFPB as our watch dog to help us to fight and deal with giant bank like HSBC. thank you so much for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GVA Holdings, LLC
State: OR

Complaint narrative:
Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My complaint is against American Express - this credit card company refuses to send account statements thus I have no way of verifying what I am being charge plus my not sending monthly statements I do not received the required address and information necessary to write to inquire about charges, payment history etc. 
Also, because Amex does not send statements I do not have mailing address to mail payments. 
Because American Express did not send statements I miss a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Opened an XXXX card and have been paying on time as well as using card for purchases american express started to remove features and other benefits from my card. As I do pay a member fee like all other members i expect to have the same benefits and features as those with the same card. After several long chats and calls they refuse to assist me as a member. After checking my credit and looking at what could cause this there was only one reason it was discriminatory on my race, religion or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX marked my XXXX XXXX XXXX card as " lost or stolen '' even though I did n't report it as lost or stolen, while I was overseas. I never got any notification from my online account or from my email of this happening. I found out because a number of merchants could n't charge anything to the card, and I called XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX to find out what was going on. The XXXX representative said that the card has been marked as lost/stolen. I asked them to reverse the notation but was told it ca n't be done as a security measure. When I asked to get the card replaced, as I needed it in XXXX, they made a huge fuss about it - that they could n't replace the Platinum because my card was new, even though this whole mess was squarely XXXX XXXX 's fault that they marked the card as lost/stolen in the first place. After insisting that I need the card and that the card must be replaced ASAP for several hours, they finally agreed to " make an exception '' and send the card to me within a week to XXXX, XXXX where I would be at the time ( the time that it would take for the international shippers to deliver the package with the card ). I was supposed to get an email within 4-5 days, but I never got it, which was n't a surprise as XXXX XXXX had n't sent me any useful emails, such as when my card was invalidated. In any case, the Platinum, which was supposed to arrive by XX/XX/XXXX in XXXX as promised by XXXX XXXX, never arrived. I tried calling XXXX XXXX from my international location, but due to telephone issues on the XXXX XXXX, I could n't talk to anyone. I 've spent a total of 20 hours trying to resolve this issue, and going through hardships on my trip because of XXXX XXXX 's repeated mistakes and excuses. To add insult to the injury, I 've been charged the annual fee after only having a working card for 4 days. On my return from XXXX, I checked my mail to see if XXXX sent the card accidentally to my home address. However, I 've received no replacement card even at my card 's listed address. 

Additionally, I have lost a month 's worth of charges to the new card to receive the sign on bonus ( which is to receive XXXX XXXX XXXX after spending {$3000.00} in 3 months ). I ended up having to spend approximately {$2100.00} from XX/XX/XXXX until XX/XX/XXXX I would have nearly reached the minimum bonus spending requirement in this first month on this overseas trip. Hence, XXXX not only inconvenienced me immensely on my trip but also deprived me to meet the minimum spending requirements. 

XXXX XXXX invalidating my card without me reporting it as such is a security issue, and them claiming that they sent my card, never actually replacing the card anywhere, and also charging the annual fee when I have n't had a working card due to their mistake is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is claiming I owe them for a card. They have reported this on my credit report. I have never opened, or requested a card to be opened with them. The have not provided me anything with my signature showing i requested a card, they have not provided any proof showing where this card we deliveredd to, nor have they provided anything showing who signed for the card. they refuse to remove the reporting from my credit report. and XXXX and XXXX refuse to remove it. claiming it was verified. this is impossible As I did not open any account with American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 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: IL

Complaint narrative:
MIDLAND FUNDING LLC is reporting a debt to credit reporting agencies that is not mine, and that has previously been reported AND REMOVED. This is an ongoing issue where they wait a short time and then re-report the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have been disputing this information since XX/XX/XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a HIPPA violation notification XX/XX/2016 to this company. I need forms showing where I signed for these account. Also my HIPPA rights have been violated once any medical information has been shared with any 3rd party agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
hsbc now has made it real hard to reach. i spent an hour trying to call XXXX. 
new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had taken a loan out with XXXX finance XX/XX/2005, to do repairs to my house. I monies to repay them came out of my checking account automatic every month. Payments were made for about 2.5 years with no problem. Then my husband lost his job and I could n't afford to pay them. I had contacted them about the problem. However I have n't been able to pay them, so they put it on my credit. They have now sold the information to Midland funding, where they continue to report it on my credit. The problem I have is they have been on my credit for about 7 years already. I have disputed the account because they have stayed on my credit long enough. They never gave me the credit for the payments. They have also tacked on all theses interest and late fees that an {$7000.00} loan has turned into an XXXX debt. My dispute is that they have been on my credit for 7 years I thought it is suppose to come off. I contacted my bank and they said they only hold on to the information for only 7 years and they could n't give me my pay history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The credit card issuer, American Express, did not honor their acquisition reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief