vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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:
I have submitted XXXX disputes to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA-XXXX, ( XXXX ) XXXX ) XX/XX/XXXX. XXXX was in XX/XX/XXXX for a collection account on my report that i could not validate. I sent them a letter requesting the information about the account to investigate. I received no response. I sent a follow up letter on XX/XX/XXXX again requesting information, i again received no response. XXXX reported that Midland had stated they verified they debt, yet have had zero contact with myself, sent me zero notices and refuse to provide how they verified this debt and that they own it. The bank they state their collecting on behalf of closed XX/XX/XXXX XXXX XXXX XXXX ). I previously had XXXX credit cards fraudulently opened at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ; I spoke with them over several months XX/XX/XXXX and they investigated, AND removed all XXXX accounts due to their internal investigation results. I have XXXX debt owed to XXXX Bank, but Midland placed on my report that i had a charge off XX/XX/XXXX -- 2 years AFTER this bank closed. They reported on my report that my Date of First Delinquency was XX/XX/XXXX -- which is odd because there have been no active XXXX Bank accounts since XXXX when sold to XXXX XXXX. It 's also inaccurate because a collection agency ca n't open an account XX/XX/XXXX if that consumer did n't become delinquent until XX/XX/XXXX -- their info is not accurate and they are unable to validate this item. They have refused to send any supporting information and are reporting inaccurate and false data to my XXXX, XXXX and XXXX credit reports. Due to Midlands lack of response and inability to provide any info about this debt, supporting it belongs to me, or any correspondence, I 'd like it removed from my credit report per FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 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: AZ

Complaint narrative:
Midland Funding purchased an old XX/XX/XXXX XXXX credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address Midland had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have an old credit card which was purchased by a third party collection agency. That agency is now reporting on my credit report as collections but also as being late with payments. My on-time payment percentage dropped based on their reporting. How can an account be sold off but also be 30 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Hello, My Name is XXXX XXXX and I am a home owner with a mortgage through HSBC. I have never missed a payment on my mortgage and was late XXXX due to a mistake. I am in dire straits. I am having to XXXX XXXX to pay XXXX, and things are getting tight, I have been trying to get my mortgage refinanced at as low a rate as possible with no PMI since XXXX 2014. I have lost XXXX. Your assistance would be appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Last XXXX my wife applied for an American Express card through XXXX. Instead of assigning her name to the card, American Express assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in XXXX ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from American Express ( Amex agent XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had Amex not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as Amex is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have sent XXXX written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Bank of America overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-30 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: MD

Complaint narrative:
I have been receiving calls for a debt owed by XXXX XXXX from Midland Credit Management. I do not know who XXXX XXXX is. They have been calling XXXX times a day for the past week. Yesterday I called and said that I do not know XXXX XXXX and asked them to stop calling. Today they called again and I again reiterated that I do not know XXXX and if they call again I 'll be filing a complaint. They called again so here I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: MA

Complaint narrative:
I was n't able to pay a private student loan I got over ten years ago in Missouri ( MOHELA ). Eventually, a judgment was taken out against me. I have finally graduated from college and would be able to pay a reasonable amount per month, but the exorbitant attorney 's fees and 10 % interest on the judgment are keeping me from basically ever being able to pay off this loan. Also, the attorney will not give me information about how to pay electronically, is not agreeing to the payment arrangement I proposed, and now is trying to make my father pay -- he has even less money than I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court. 

Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest. 

No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; North Star Finance for {$400.00} ; and XXXX for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: MN

Complaint narrative:
XXXX charges higher interest and I do n't believe to be amortizing my loan correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has reported to credit reporting agencies ( including XXXX XXXX XXXX ) that the XXXX business credit accounts with them were " charged off '' while XXXX cards were paid as agreed and American Express refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: NE

Complaint narrative:
Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in XXXX. Midland credit management also notified me past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
XXXX is reporting that I have an outstanding balance owed to HSBC Lending for {$11000.00}. I have contacted XXXX to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that HSBC received. So far, XXXX has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for XXXX not to supply it, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Every since I open my account with American Express Serve has been charging me Monthly Fees and not applying my direct deposit two day before my payday. I usually get paid on Saturday and as today XXXX XXXX, 2016 did not receive my payment. Please review my account and make they working according to Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express cancelled XXXX credit cards. They supposedly cancelled each card due to a charge going to XXXX. They said " using an AMEX card for cash is against policy ''. That charge was not going to or for cash. It was going to my companies XXXX to pay for services for my company. Not everyone accepts American Express. If THAT action is against terms, they could have temporarily suspended or just slapped my wrist and told me, not to do that. They do not think about how this could implicate my business and personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged {$30.00} by HSBC for a returned check fee. My credit card company also charged me {$30.00} for a returned check fee and almost {$15.00} in interest for the period between the due date and the date I paid with another check. It is unacceptable for a bank to be unwilling to provide a copy of your own signature to verify that they have a correct signature on file. I also requested that they mail me new signature cards - which they have failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: World Omni Financial Corp.
State: GA

Complaint narrative:
Southeast Toyota Finance ( phone number XXXX calls my number 3-4 times per day asking for someone who used to work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
I have several student loans through Sallie Mae called the " smart option '' student loan. We have tried multiple times to consolidate these loans or get the payments lowered. As of right now they want us to pay almost {$600.00} per month which is not even feasible at the moment. We were at one point put into a program which lowered the interest rates from almost 11 % down to 4 % for 1 year and then down to 2 % for 1 year but we were only allowed into that program because the loan had defaulted. The loans have been paid for 3-4 years without missing a payment and they wo n't let us consolidate or lower the interest payment. The last person I spoke to told me that the only way they could help us with anything would be to let the loan go to collections/default. Of course then it would hit our credit and hurt other things leaving only one choice, to pay. For student loans only totaling {$36000.00} a {$700.00} a month payment is just a bit much. All we want is a fair rate and a fair monthly payment. Do n't get any student loan through Sallie Mae unless it is a government subsidized or unsubsidized student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 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: CA

Complaint narrative:
I was contacted by telephone by a company purporting to be attempting to collect a debt I owed. They would not give me any information about the debt and were demanding that I provide my date of birth and social security number. I am positive that do not have any debts that would be in collection. The phone number for the debt collector was XXXX XXXX XXXX XXXX. The person identified himself as being with Transworld Systems.

Company response to consumer: Closed with explanation