vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
After a rigorous application process and having told the lenders that we wanted our mortgage to be l {$1500.00} or less, we decided to not proceed with them on financing our home purchase. A very aggressive and intimidating man made many harassing calls to our home using different phone numbers attempting to pressure us. 
He resorted to making threats and boldly told us to work with him otherwise, he would sell and misuse our financial and personal information to tarnish our stellar credit reputation. This is a VERY SERIOUS and disturbing threat to hear from a mortgage lender. This is unethical, illegal and crime of moral turpitude

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 2016-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
l am not one to complain but in this case l feel l must. 
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. 
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. 
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. 
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. 
I always thought my confidentiality was between me and the bank and never to be compromised. 
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. 
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. 
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. 
I am asking you to investigate this breach of privacy. 
Thanking you in advance for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have XXXX amex credit card. I have accumulated reward money on it for year XXXX which were supposed to be sent to me in XX/XX/XXXX month as coupon. I am yet to receive it. 
I wanted to cancel the card because of poor service but I have been told If I cancel the card I will not receive my last years reward coupon. I understand if they would have said this for year XX/XX/XXXX. I felt it was kind of a ploy to keep me from not cancelling the card. 

My card details are as follows name- XXXX XXXX credit card number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 I took advantage of an offer on XXXX to " Earn a {$100.00} Statement Credit and XXXX Bonus Miles '' when I " Apply for the XXXX XXXX XXXX Credit Card from American Express. '' The offer, which expires XXXX/XXXX/2016 is still posted. American Express gave me only {$50.00} statement credit and refuses to allow me to submit screen shots as proof and refuses to allow me to " dispute '' the amount. My billing period has since closed and I am responsible for owing an additional {$50.00} which should have been part of the {$100.00} credit. They opened a case for which they will not allow me to submit proof, and said it will be resolved in 6-8 weeks ( AFTER I will have paid the additional {$50.00} ). Delta has acknowledged that the offer is still posted and gave me a {$50.00} airline credit toward a future flight, but advised since AmEx is the card issuer/bank, I must get the additional {$50.00} credit from AmEx. AmEx says I must get it from XXXX. XXXX at least listened, acknowledged and took action. AmEx has refused any responsibility and has told me 1 ) I am mistaken ; 2 ) perhaps the offer was n't valid when I applied ( even thought I have a screen shot ) ; says it is none of my business whether or not this has happened to many OTHER customers who applied for an AmEx card via the same offer. AmEx still holds me responsible to pay the extra {$50.00} on my statement, and will not suspend it until the case is resolved. Amex will also not record it in my online credit card profile to show that there is an open case. This seems at the very least to be unethical trickery by AmEx. I hope their investigation includes ALL customers - not only those who complain - who have been cheated out of {$50.00} on their AmEx statement. {$50.00} x many customers can potentially add up to a lot of money making AmEx richer while their customers get cheated. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-22 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:
Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: American Coradius International LLC
State: NJ

Complaint narrative:
American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: TX

Complaint narrative:
a debt I want to resolve but the amount has been XXXX they want down payment of a little over {$400.00} before they talk about a program to get on. I am really concerned about the amount. the company is Midland Funding LLC. collection agency, I do not have that kind of money. I defaulted but I want to do the right thing. The account debt was bought from XXXX the original credit card issuer. The sum of {$1500.00} as the principal amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was behind on my student loan and was being threatened to be sued. I would try to pay them when I had money but if it was not what they wanted they would not except my payment and they would harass me calling every day 5-6 times a day. Then they called me to work out a deal I had to pay them XXXX $ up front then a XXXX $ a month with an interest rate of .3 percent. They send me a bill by mail telling me there taking out the money every month but there was no information about the loan on the paperwork besides how much I owe them. I went online to look at my account almost 2 years later because I felt like the total should have been a lot lower at that point and realized they never dropped my interest rate and the whole time I was paying 8 % I fault with them for months about giving me back my money or taking it off my loan called hundreds of times they would n't call back then finally they said they fixed it but they did n't they owed me almost XXXX $ and when they sent me my total in the mail it was not XXXX $ less. They kept stateing I was figuring out the numbers wrong but at one point one of the members from there team even stated that they owe me almost XXXX $ dollars but they said they were wrong! I still have not seen it fixed and they refuse to fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
The creditor in question, XXXX, XXXX XXXX XXXX, XXXX ( hired by Midland Funding LLC of XXXX XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX District Court. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided XXXX, XXXX XXXX XXXX, XXXX with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I paid a debt in full XX/XX/XXXX that was owed to the XXXX. I know the debt was resolved because prior to paying it, my tax return was garnished multiple times. after paying the debt i filed XXXX more returns and it was not garnished. Further more i contacted the IRS to confirm. XXXX/XXXX/16 i received a letter from " Transworld systems inc. '' attempting to collect on the same debt already paid. I have also received auto dialer calls to my cell phone. Upon researching the company i was able to find they have been fined recently and have universally negative reviews among debtors and companies that have tried to use their " services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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: CA

Complaint narrative:
Attention Midland : The last correspondence I sent your company on XX/XX/2016 pertained to a demand for validation. Your company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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:
I was assigned my current home telephone number approximately XXXX months ago. Since the assignment I have received numerous unsolicited calls and XXXX put a stop on XXXX of them. However, Transworld Systems , Inc., a collection agency attempting to collect a debt has consistently continued to call me even after I have called them on XXXX different occasions giving my name and telling them they are calling the wrong number. Using their ID code XXXX they verified they are collecting on XXXX different people and my name is not among them. They promised to remove my number from their records again today XXXX/XXXX/16. I am sure I will continue to receive their calls since I have called them XXXX times before. Listing of calls : XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 It is illegal to call after XXXX XXXX but they did

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
When I signed up for the American Express XXXX XXXX credit card a few years ago, I had a XXXX membership number that was tied to that account. Sometimes last year, however, that XXXX member number expired and I signed up with a new XXXX membership with a different membership number. About 4 months ago, I was told by American Express that my XXXX XXXX XXXX was a victim of ID Theft and that they were going to issue a new card to me. After a couple of weeks waiting for my new card, I contacted American Express customer service to find out why. They told me that it was because they had my old expired XXXX membership number tied with that credit card, and according to American Express, in order to have the XXXX XXXX credit card, it requires an active XXXX membership. I explained to them my situation, that I have a new membership number with XXXX. They told me to fill out a form to link my new membership number with the credit card. About 2 months ago, I linked my new XXXX membership number with my credit card and contacted American Express to send me my new card. Every time they told me they were going to send me my new card, it never comes, and I would need to call them again. This has happened more than XXXX times calling them and complaining to them. 

Three weeks ago, I called American Express customer service, and they told me they cancelled my American Express XXXX XXXX credit card without my consent! Then the representative started asking me about my personal info ( SSN, Birthdate, Income ), and when I asked him why he needed all that information, he told me he was going to apply for a new credit card for me to my surprise! Since I just wanted my credit card, I gave him all that info. A couple weeks past, and I still had n't get my credit card. Last week, I spoke with the supervisor of American Express over the phone and explained to him the situation and filed a complaint with him, and the supervisor " promised '' me that my credit card will be arriving on XXXX/XXXX/2015 and that he will be calling me to follow up if I received it. I did not receive my credit card. 

I have already put a lot of patience into this issue and have put as much effort that I could to get my credit card, and I do n't know what else to do besides write this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Someone used my information to open a credit card fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I sent a letter asking them to verify the debt and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express sent me a bill on XXXX XXXX 2016 for a balance or a minimum payment due on XXXX XXXX 2016, I paid my bill on XXXX XXXX 2016 for XXXX times the minimum payment due, however, i was charged a late fee and received a past due minimum payment for XXXX on the XXXX XXXX, 2016 statement. I phoned American Express and shared my XXXX XXXX payment which was made on XXXX XXXX, 2016 and owed the minimum payment of XXXX for XXXX, but the company applied my payment to the XXXX bill. I was advised that I made my payment too early, that bills had to be paid the the day after the statement date. I do not have this payment rule in any cardholder agreement for payment. I spent 4 hours on the phone being passed from agent to agent and had to pay an errorenous minimum payment and wait for XXXX adjustment. I do not have disclosure needed from American Express about how payments are applied that are received prior to due date or how late payment and interest is applied. The removed the late payment and supposedly noted the account that XXXX was not passed due. I asked to speak to a Manager or a Supervisor, and was put on hold by XXXX different agents for 10 or more minutes for the another person to come on but did not identify themselves as manager or supervisor and repeated the same info. The customer service department is not located in the US and when you call corporate headquarters in XXXX, you are transferred back to XXXX. The written customer complaint is a PO Box # with no name attached to whom to send the written complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 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: FL

Complaint narrative:
There are XXXX accounts listed on my credit file from Midland Funding LLC which are very old. I have disputed several times with no verification ( initial signed contract and proof when the date the last payment was made ). Can your agency help assist me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10 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: TN

Complaint narrative:
Received a demanding letter from Midland Credit Management ( MCM ) stating I owed {$760.00} to them. XXXX heading was Pre-Legal Notification. XXXX states, " If we do n't hear from you or receive payment by XX/XX/XXXX, we may proceed with forwarding this account to an attorney. '' I received the letter on XX/XX/XXXX 
I responded in writing disputing my responsibility for this debt and requested a validation notice from MCM. Note, their letter did not state that I had this option which I understand is required by the FDCPA. 
MCM submitted a response to my request with a statement from XXXX Bank. The name on the account is similar to mine but the address is Nevada. After a quick search, I found the person sharing my name who resides in Nevada with the matching address on the Credit One Bank statement. 
It appears that MCM targets individuals with similar or matching names and bullies them into paying a debt that they do not owe by threatening legal action. 
I have attached the letters I have received from MCM and my XXXX written responses disputing this debt. 
I have formally asked them to stop all communications with me regarding a debt that is not my responsibility.

Company response to consumer: Closed with non-monetary relief