vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
A wage garnishment was placed on my income last week by NCO Financial, for a debt that, to the best of my knowledge, was satisfied in 2012. NCO placed an AWG on my income for at least 5 years prior to 2012 in the tune of {$4000.00} - {$5000.00} per year. Then sometime in 2012 the garnishments stopped, so the debt was paid. The debt was even removed from my credit reports. Additionally I did not receive the legally required 30 day notice that the XXXX was going to be applied to my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: MD

Complaint narrative:
I continue to receive phone calls and letters from MCM ( Midland Credit Management Inc ) stating that they are acting on the behalf of XXXX XXXX. to collect a debt of {$590.00}. I have a current and active account with XXXX that is up to date. I do not owe this fraudulent debt that is being solicited by MCM. I have stated this verbally and written letters and reported this to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting a letter I prepared for my XXXX counsel plan, but then professionally put to letterhead by them and forwarded in my behalf ... ... ..It is presented as I fully expressed to the lawyers ..They sent an initial letter XX/XX/XXXX ; and then after no response, the same letter subsequently was resent by Certiied mail on XX/XX/2016. Both attempts have resulted in no responses or acknowledgement. 
The address for American Express Company, New York, was given to me by a representative of my Delta American Express Credit Card company when I originally sought information on how to register my complaint of its unfair consumer presentation and dellivery. Hopefully, an outreach effort by your organization will assist me in receiving what is fair and due me by virture of good and honest business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX after being contacted multiple time by American Express with offers and calls to switch my XXXX branded American Express card opened in XXXX XXXX to a XXXX card because of the upcoming end in XXXX and American Express ' agreement. Eventually, I called American Express sometime around late XXXX or early XXXX XXXX to do this change and ask some questions about account history. A friendly representative informed me that upon switching to the XXXX XXXX XXXX XXXX my account history would be retained and the card would n't affect my average age of account because it would back-date to XXXX XXXX to match my XXXX card. For the past year I thought everything was fine as my new XXXX XXXX XXXX read " XXXX since XXXX ''. However, I recently requested my credit reports from XXXX and XXXX and realized that the American Express XXXX XXXX XXXX card had reported as opening in XXXX XXXX. Realizing that American Express had made in error in my credit reporting according to the promises made by the representative, I contacted them on XXXX XXXX, XXXX to find a solution. After speaking with XXXX customer service and the credit bureau department at American Express, I was allowed to open a dispute about the error so they could investigate if I was given incorrect information so that the proper date could be reported to the bureaus. This dispute was opened with XXXX in the XXXX XXXX XXXX office ( extension # XXXX ). On XXXX XXXX, XXXX, I spoke with XXXX ( ext. # XXXX ) who said the dispute was still being worked on and that he would make note that I was hoping for an update. On XXXX XXXX, XXXX I spoke with a supervisor named XXXX who informed me that while I had been given incorrect information upon opening the card they were unwilling to fix the error. I called again on XXXX XXXX, XXXX and spoke with another supervisor XXXX ( ext. XXXX ) who after acknowledging again that the case I opened on the XXXX of XXXX had found that I was given incorrect information about the backdating of my XXXX XXXX card, was unwilling to fix the error. XXXX even asked that if I had been given proper information if I would have still opened the card in XXXX of XXXX. I promptly answered no but again he was unwilling to correct the error. I feel as if American Express performed a " Bait and Switch '' by promising me something in order to push me to open an account with them, only to renege on their promises and refuse to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My membership rewards points are still frozen after I reach {$3000.00} spending in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I paid this account to portfolio recovery from hsbc bank it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also hsbc bank goes and also reports the same account as ... a charge off they hsbc sold the account to XXXX and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why hsbc still reporting it.. I need some help on this..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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:
In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have constantly requested that Midland Credit Management give me the documentation backing there claim that I owe XXXX money. The account that is attached to this debt is not valid ... I have complained about this company in the past. I keep receiving letters threatening me with this unfounded debt for XXXX. I have paid XXXX directly the debt which was owed. I have sent numerous letters with tracking numbers via USPS to this company and the response is ALWAYS the same ... They are unable to provide verification and documentation that there is a valid basis for claiming this debt. ( Which has already been paid ). This is causing me undue stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro Amex, XXXX, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX XXXX has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

American Express XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call 3-4 times a day?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
keeps calling my job and harassing me at work on a debt that is over 15 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XX/XX/XXXX. I filed multiple claims multiple times but they never got back to me or recredited my account. I do n't even see credits from large fraud charges to merchant named XXXX. There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges American Express is holding my liable for as of now that equals my total current balance. THis has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew AE would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against AE now using this CFPB service. They still have not done anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I purchased an item in XXXX from a vendor in the XXXX. This vendor knew we lived in Alaska and charged shipping at the time of purchase. Turns out that in XXXX when finally ready to ship the product they dumped it off with a shipping company and never checked back up on it until I continued to follow up. Turns out they could not figure out how to ship it and a shipper that we mentioned shipped to Alaska was almost quadruple the price they charged us for shipping. I opened up a dispute with both paypal and my credit card company Citibank Costco Visa in XXXX. Once the vendor knew there was a dispute open he tried to salvage the transaction by telling us he was going to re-collect the item and box it according to USPS standards to send it XXXX. He asked if I could close the dispute in order to submit an invoice for the extra {$200.00} in shipping that it would cost us to go this route. I then closed the dispute with paypal and my Citibank Visa. I have not received the product. I as not invoiced for any additional {$200.00} because it appears the vendor can not ship the item. I am not able to re-open a dispute with paypal or my Citibank Visa. I do not think that is right because if a customer does not receive a product, they should be eligible for refund despite the original transaction happening in XXXX and despite closing the dispute in XXXX 2016. A vendor can and will lie in order to hang on to a person 's money. However, a good credit card company should protect their patron regardless when a product is not received. This product was not and will not be received.

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 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: IL

Complaint narrative:
XX/XX/2016 I have been receiving several call a day from a debt collection agency by the name of Midland Credit Management. The first call was answered by my step-father. This company claimed to be working with XXXX XXXX and that I had an account in collections in excess of XXXX USD. According to my step-father, the representative attempted to solicit the amount from him. My step-father, not trusting this caller stated, " I do n't have any money to give to you. '' which was then met with a reply that for an amount of XXXX USD they would pull the account out of collections. After a second refusal the call was ended. Several calls later, I personally answered and the same information was repeated that they work with XXXX XXXX and that I had a debt to pay. I notified them several times that this is false information and that I would be contacting XXXX XXXX. After calling XXXX XXXX 's fraud department I was told by their representative that midland is not associated with them. This did not seem to dissuade Midland as several more calls followed. The final call being today, XXXX XXXX, 2016. Again After several attempts to notify this company that this account does not belong to me and that if these phone calls continue, legal recourse would be taken, I was told that I would be taken off of their call list. If a company can not keep accurate records of their debts and attempts several times to collect debts from persons unrelated to these accounts, There should be some sort recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
My AMEX card was compromised. They decided to cancel my account. In the process, they forfeited my reward dollars instead of instructing me to cash them out. Unethical, unfair, borderline fraud. At the least, the worst customer service i have experienced in my life. Just straight up theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Called American Express, tel. XXXX. Paying off this closed account. 
Over telephone chose payment of entire amount due. Paid what was quoted ontheir electronic payment center as amount due. Got billed again an interest chargeof {$5.00} even though the machine informed I was paying off the entire amount. Spoke with a representative named XXXX. He said I had to pay this, could not be waived. I told him I wanted to appeal, said I could not appeal. This is a recurring monthly interest charge that should not be charged. The account was closed. The entire amount was paid off, why is there a recurring interest charge being billed. This is fraud. Want a refund of my {$5.00} that I had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express card offered me to shop on XXXX XXXX, 2015, the small business Saturday, and told me if I spend more than {$10.00} on XXXX/XXXX/15, I will get {$10.00} statement credit, so I did spend {$19.00} on a small business XXXX I chatted with Amex rep in earlier XXXX, the rep told me I am definitely qualified. Today I am chatting with a XXXX rep since I received my statement, and the credit is not showing up on statement. Now this rep told me this credit requires vendor approval, and will take up to 90 days to post, the vendor approval and takes 90 days to post were never disclosed in the initial offer. I feel being cheated by Amex.

Company response to consumer: Closed with monetary relief