vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland is trying to collect on a debt that has passed the statue of limitations. The XXXX bill they are trying to collect is over 7-8 years ago. Statue of limitations on reporting has exceeded and they continue to roll the account to continue reporting and subsequently damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 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: HI

Complaint narrative:
XXXX XXXX Bank has confirmed the current amount owed is {$430.00}. I did not agree to pay Asset Acceptance the amount they claim I owe XXXX {$630.00} XXXX, and has verified is correct. The reality that Asset Acceptance has verified an amount that I did not agree to is despicable, and is a violation of the FDCPA section 808 ( 1 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX, in XXXX Illinois is trying to collect on a debt that was under MIDLAND FUNDING LLC or MIDLAND CREDIT MANAGEMENT LLC This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact XXXX XXXX XXXX but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY MIDLAND FUNDING LLC was informed of my bankruptcy by my attorney and / or representative

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
based on information and belief this is not my debt. I never received any notice of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I sold my business in XXXX of 2013. The person who bought it from me never paid the practice and my lawyers are working on that. Ihad credit card debt with an American Express Gold card that I have hadfor XXXX years. I explained to phone counselors on several occasionsthat it will get paid, once the buyer pays me. 
A few days ago, and without any authorization from me, a women namedXXXX XXXX left a message on my husband 's office general voicemail which everyone heard saying that I had a credit card dispute whichneeded to be cleared up. 
Yesterday she CALLED MY XXXX IN XXXX XXXX TO TELL HIMTHEY WERE LOOKING FOR ME!!!! That is a complete and totalinvasion of privacy and, according to my lawyer a violation of theFederal Fair Debt Collection Practices Act. How could they contactmy husband 's son ( we just got married and I am mortified by this )? 
What 's next? Calling his ex wife?? His siblings? His parents?? 

What can be done about this violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I signed up for an American Express Platinum card that promised a XXXX point signup bonus when a spending requirement was met. This offer was publicly available on the Internet. After reaching the required spending amount, my points posted. Shortly after this, my reward account was frozen by American Express with no written notice. The only way I found out the account was frozen was by attempting to make a points transfer. After this failed I contacted the company. They stated that the account was frozen pending a review that would be completed in 6-8 weeks. After waiting this period of time, I tried another transfer. This transfer was declined as well due to the account being frozen. I have paid off the balance of this account as well as the {$450.00} annual fee. There was and has been no notification from American Express to me about the freeze of my rewards account or when the freeze will be released. American Express is electing to audit this account, freezing my ability to use my earned reward points. I feel that they hooked people into signing up for the {$450.00} card with an offer and did not deliver what they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI

Complaint narrative:
My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. 
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. 
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. 
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received an email notification suggesting I have a monthly statement available for an American Express Serve card. I visited the site and upon completing a forgotten password routine and accessing the account I was informed that my account had been created and that I would receive an American Express Serve Card in the mail within 7-10 days. I promptly called American Express wishing to put a stop to receiving a Serve card to close the account. I was informed I had a {$1.00} credit on the account from a promotion through XXXX XXXX XXXX and that American Express would have to mail me a check. Once I receive the funds I could then call and close the account. I looked up the terms of the account and found that the card has a $ 1 monthly fee associated with it and am not comfortable receiving a check without closing the account as I do not wish to have a balance due or have any obligation to American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property. 
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I purchased an airline ticket with XXXX XXXX on XXXX XXXX. Along with the cost of the ticket itself, there were charges for ancillary services associated with the air ticket. ( See attached AMEX Statement 1 ) Within the time period provided by XXXX XXXX for cancellation and refund ( 24 hours, if I recall ), I cancelled the reservation. XXXX XXXX explained they were refunding all of the charges. Over the following days, XX/XX/XXXX-XX/XX/XXXX, credits for the flight were issued. ( See attached AMEX Statement 1 ) This attachment shows XXXX charges associated with the original ticket purchase and XXXX credits posted to the account in equal sums. 

As of this date, XXXX XXXX, there was a charge posted to my current billing statement posted to my American Express card for one of the charges associated with the ticket. ( See attached AMEX Statement 2, see {$190.00} XXXX XXXX charge. ) In speaking with XXXX XXXX, they are not able to look up receipts for tickets issued longer than 14 days previous. They were not able to explain what the charge appeared, despite my explanation that the charge was posted now, not in XX/XX/XXXX. They are filing a request for the receipt which will come within 14 days. 

In speaking with American Express, they find XXXX charges on my account associated with the original ticket. XXXX of these charges is for the {$190.00} authorized on XXXX XXXX, but posted on XXXX XXXX. However, they find XXXX credits associated with refunding the original ticket. Their assumption is that XXXX issued all of the credits, but not all of the charges. They assume XXXX realized the error and issued the {$190.00} charge in XXXX based upon a XX/XX/XXXX authorization. 

If this is the case, then I will also be seeing a sixth charge posted to my account in the coming months should XXXX realize the error. This sixth charge, the largest of {$970.00}, already appears on my account statement. American Express representatives explained they do not find this charge on my account. Therefore, it remains unclear if this charge has or has not been posted by XXXX XXXX to my account. 

I would like to know if there is any obligation on the part of the vendor to post charges in a timely manner, based upon the authorization date. 

What seems the error of XXXX XXXX is causing great difficulty as the XXXX charges should have already been posted and refunded. As you might imagine, news that the charges are appearing in XXXX from an error in XXXX severely complicates my monthly financial budget. 

It seems that there should be a fair and reasonable window for vendors to post a charge that is reasonably within the authorization date. It is not intuitively fair that the reconciliation calendar of XXXX XXXX accounts should so heavily burden my own monthly billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2015 I was online trying to book some tickets XXXX. When I went to purchase the tickets and try to use my bluebird XXXX American express XXXX credit card number the transaction was declined. I then had to use another credit card to purchase the tickets. A few minutes later I went to pay something with my bluebird card and was denied again. I logged in my account and found that the transaction for the tickets XXXX was pending and taken out from my bluebird balance. I called American Express and they told me to call XXXX and that they would reverse the transaction. I then called XXXX and was told that they are not allowed to reverse transactions that bluebird had to put the money back in my account. After an hour of back and forth I was told by XXXX Employee No : XXXX ( manager from bluebird ) that they could not put my funds back in my account until XXXX working days, How could they hold my money for XXXX days for nothing that is my fault. Who is making the interest on these funds while they are in pending transactions. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH

Complaint narrative:
attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that AMEX complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I called customer service to obtain information about foreign exchange fees and was advised that they did n't apply to my account prior to traveling to XXXX. When foreign exchange fees appeared on my statement I called customer service again and I was advised that my card holder agreement indicated that foreign exchange fees applied to my account. When I complained about being provided misinformation on my previous call I was told that American Express provides appropriate training to their representatives, however, the cardholder agreement superceeded information that customer service representatives provided. When I initially called I was not offered a copy of my cardholder agreement and I was not advised that the cardholder agreement superceeded information that representatives provide. I was also advised that American Express did not have a customer complaint department and did not have a process to handle customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have an account with PayPal that involves promotional purchases in which interest is not payable if you pay the charged balance within the promotional period, in this case 6 months. In reviewing my account upon making a payment today ( XXXX/XXXX/XXXX ) I discovered that a charge in the amount of {$360.00} in XXXX XXXX did not have any portion of my payments since the purchase applied to reduce the outstanding balance, thus leaving the balance as of today the same as it was in XXXX. In speaking with a PayPal representative ( who was very helpful and cordial ), I was informed that {$230.00} of my previous monthly payments should have been allocated to this purchase to reduce the outstanding balance to {$120.00}. She explained that it appears that a system processing error occurred which did not automatically allocate my payments to reduce the balance. In order to avoid paying the accrued interest for the purchase ( {$35.00} ) I had to immediately make an additional payment of {$120.00} since the promotion payment period expired tomorrow ( XXXX/XXXX/XXXX ). I had already made a payment of {$150.00} on my account.

Company response to consumer: Closed with explanation