vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 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: FL

Complaint narrative:
I have XXXX collection agencys trying to collect the same debt I called original company that I owe the debt to and they said that TRANSWORLD SYSYEM INC/XXXX should not be collecting debt however they are reporting to XXXX of the credit bureau they are trying to collect a debt that I do not owe them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express had a XXXX Membership Rewards bonus for a new AMEX Platinum Card. I have had numerous AMEX cards over the years so I believed I only had the Business version of this card. I asked on their live chat and I was given the list of previous cards, this personal Platinum Card was not on this provided list. I even asked him to verify before I applied, he assured me I never had this card. After charging over XXXX on the card I was told online that I indeed had the card. I asked him to pull the chat and he said the agent made a mistake. The classic issue here is that AMEX can tell you when you apply that you do not qualify, instead they let you get the card issued, make your spend, and then are told by AMEX you do not qualify. These IT systems are smart enough to know if you qualify at application. This AMEX process is flawed and in many ways fraudulent. This company needs to address this issue, none of the other major banks, including XXXX and XXXX are so deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns. 

I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Fraudulent charges by American Express Travel Insurance were made on my American Express Card. I purchased airlines tickets on XXXX different airlines for myself and a friend, on XXXX XXXX, 2015. When I viewed my statement there was several charges for baggage, travel delay and accidental death. I contacted the company and told them multiple unauthorized fees were charged for a non-covered person and myself. I was told effective XXXX XXXX, 2015 anyone traveling on my account would be covered. I never received a notification regarding the new rules. After speaking to several people the baggage and travel delay charges were removed but to this day they have refused to credit my account for the ( XXXX ) Accidental Death charges. Insurance Representatives claim they received airline charges after XXXX XXXX, 2015. I believe my airline charges were deliberately withheld until after XXXX XXXX. I have spoken to several people and emailed an executive at American Express who has not responded to my email. A couple of representatives I spoke with by phone went out of their way to help me get a refund on the AD & D as I had for the other charges but were unsuccessful in getting a refund from the Insurance Division. I have been a long term customer of American Express and have never encountered a problem, any concerns bought to their attention were promptly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I was charged {$39.00} for a " delinquency charge on {$490.00} '' and another {$39.00} for a " late fee for 45-day past due balance ''. Both of these fees were assessed on XXXX and both were for the same balance due. So really, they 're charging me a {$78.00} late fee. The amount of these charges were disclosed on the prior statement received and I was n't able to find any mention of a " delinquency charge '' in their online help system. When I spoke with their online chat agent I was told that I was 60 days past due and 45 days past due, even though the balance was from a single charge and their statements are released once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express Serve Prepaid debit card. Not too long after, a fraudulent charge of XXXX was withdrawn from my account from a ATM in XXXX. However, I reside in XXXX. After speaking to various customer service representatives, supervisors, managers and so forth my dispute was not honored. They will not give me a feasible reason as to why. I asked them how could this happen when I have my card in my possession and they are well aware that I have no access to an ATM in XXXX. Moreover, all of my transactions were made in XXXX XXXX, XXXX. This transaction does not add up and they refuse to reimburse my XXXX. Furthermore, they have blocked my account in which I have my direct deposit linked to this card. I still have funds on that account that I can not use. The representatives are poorly trained and whenever I speak to them they are either fully unaware of what is happening with my account or some information is missing. Not only is this an inconvenience but it has also caused financial hardship. I am unable to pay any of my bills and the situation occurred a week before XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am so disappointed in Bank of America, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't bank of America truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend bank of America and all their hidden and unjust fees and they do n't help their customers out in any way!!

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 monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I purchased a vehicle XX/XX/2015 in XXXX, SC. In the process of purchasing the vehicle I agreed to purchase GAP coverage for peace of mind. This coverage was negotiated into my financing with XXXX XXXX. On XX/XX/2015 I was involved in a serious accident in which the vehicle I had purchased suffered extensive damage. Upon communication over the phone with my insurance agency, I concluded my vehicle was a total loss. I then called XXXX to verify the process for my GAP coverage. A few months later, the threatening and harassing phone calls began. To my surprise, my vehicle is listed as a repossession by XXXX and I am suffering the unbearable consequences of a negative credit situation and CONSTANT harassment even after I have informed XXXX of my request for them, and their collections agents, to stop. Their harassment over an account that never should have been marked delinquent due to my purchase of GAP coverage has led to me losing XXXX in lost potential credit opportunities, as well as embarrassment and XXXX over a matter that should have been resolved the day I signed a contract for GAP coverage. These people are horrible, unethical, and shameful. They have ruined my credit and reputation and I am not going to sit back and take it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I recently applied for and received an American Express Delta Skymiles credit card. I since activated it and used successfully for XXXX internet purchase. I tried to make a XXXX shortly after and it was declined. Not being familiar with AmEx I thought maybe the merchant just did not accept american express and they did n't have anything specifically stating whether or not they accepted amex. I tried to use my AmEx card to rent a car at XXXX XXXX rental at XXXX airport in XXXX SC several days later and was told that the card was declined. I called the customer service number on the back of my card and was immediately transfered to the fraud protection department. The representative asked for my name and birth year to verify my account. I provided the correct information, then the representative asked if I had the reference number that was left on my voice mail. I said that I did not, he checked to see if there was another way to verify my identity and after a few moments he said he was sorry that he was unable to verify my identity and I asked what was wrong, he said my account was flagged with a fraud alert. I explained that I had n't received any missed calls or voicemail. He said to keep the line open and they would call back within 72 hours. I went online and signed into my account to see if there was anything I could do from there. I noticed there were XXXX numbers on my account, my work number and my cell phone number, XXXX of which I can not edit and which I can only see the last XXXX digits. After that i figured what may have happened is that they may have called the office/work number, which is the main number and not my direct line and either does n't have voicemail and if it does i do n't have access to it. I called back and explained to the representative my situation, she said she would remove the reference number and would call me back. I asked to please call me back on my mobile number and she said not to worry they would try all phone numbers on my account. I did not receive any call and over a week passed by. I received an email this morning stating my account would be close due to a fraud alert and they have been trying to contact me but could not reach me. I called back this morning a little irate and told them this was getting ridiculous, they lady said she would have a supervisor call me back and ask if there was a preferred number. I gave her my mobile number which is listed on the account, I still have not yet received a call. I just want to use my account, this is very frustrating and it feels like some kind of scam. i have since received a bill/payment due date for my XXXX purchase, yet they wont call me back. Someone please help!!! This is the worst experience I 've ever had with a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I received a title loan with 800 Loan Mart in or around XXXX XXXX. I defaulted on the loan XXXX XXXX because the car was not working and I was paying for one repair after another to no avail. I called and emailed 800 Loan Mart hoping to work out payments apart from the contract to no avail. 800 Loan Mart sold picked up the car then sold it at auction during which time 800 Loan Mart has claimed more than 3 times the original loan amount often reporting under multiple different names as collection and/or open credit at the same time, siting the account under multiple different terms along with different account numbers and/or history and payments. I believer their business practices a damaging my name. Please look into their billing and accounting practices along with their reporting practices to the major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collection Bureau of Kansas, Inc.
State: GA

Complaint narrative:
i was contacted by collection bureau of Kansas via phone i verified who i was and last for address then she kept asking questions about income ... .all before telling me what this was about then was told this was to collect a debt instead of initially something from XXXX or XXXX i explained i filled chapter XXXX bankruptcy she persisted to make claims i stated all my debt were covered not to contact me on this because i do not owe it and disconnected i then received this letter in the mail a few days later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bayview Investment Group LLC
State: LA

Complaint narrative:
I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate
State: FL

Complaint narrative:
They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
AARGON Collection Agency XXXX is now continuing to harass me via my cell phone for a {$150.00} debt that was paid to another agency, XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 through their XXXX XXXX XXXX XXXX XXXX payment website. The original debtor is XXXX XXXX Hospital XXXX. I have already filed a complaint against both XXXX XXXX XXXX and XXXX XXXX Hospital in XXXX 2015 for this very same problem. Please refer to the following CFPB case number : XXXX. Either XXXX & XXXX and/or XXXX XXXX Hospital has now sold this note to AARGON instead of acknowledging the fact that they have been paid as of XXXX XXXX, 2015. I also received a bill dated XXXX/XXXX/2015 from AARGON still showing an amount owed of {$150.00} to XXXX XXXX Hospital. The harassment from XXXX XXXX XXXX has stopped but it seems to me that XXXX XXXX Hospital continues to break the law by trying to collect on a debt that has already been paid for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
communication tactic continue to collect a debt i did not owe false statement and representation Cohn Goldberg Deutsch, XXXX XXXX knew the facts were fraud see attached documents submitting XXXX XXXX fraud lost note affidavit. thanks to the GREAT JUDGE THAT DENIED THEIR FRAUD Foreclosure Fraud - Titles Used by XXXX XXXX of XXXX DOCUMENT IN CASE FILE IN 2008 REVEALS FORECLOSURE MILL LAW FIRM CONTROL COHN GOLDBERG DEUTSCH IN THIS CASE # XXXX KNEW THE FACTS WERE FRAUD AND WERE TRYING TO GET HIS HONORABLE JUDGE XXXX XXXX TO SIGN OFF ON THEIR FRAUD SEE ATTACHMENTS TODAY THE THIS SAME DEBT COLLECTOR LAW FIRM STILL CONTINUE TO FILE QUESTION DOCUMENTS IN COURTS TODAY CASE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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: Harris & Harris, Ltd.
State: VA

Complaint narrative:
This collection agency will not remove wrong information they put on credit report, I have sent XXXX letters asking them to validate or remove the debt and I got no response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MO

Complaint narrative:
We are Harris and Harris and we are debt collectors. Please call us at this number. 

Receive these robocalls frequently. 

I do not owe any debt to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation