vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX 2014 a merchant has charged my credit card ending in XXXX, the amount of XXXX, after authorizing, then on XXXX, XXXX 2014 he charged again the amount of XXXX, " which was unauthorized '' this is beside the fact we never received the merchandise in full ( the tracking numbers the merchant sporting documents are showing is only part of the shipment ) also we never got a correct invoice from the vendor, ( all the invoices he sports is mocked invoices, without my permission or signature, ( in fact you can verify the date of the invoice is XXXX/XXXX/14, while the credit card charge was XXXX days before on XXXX/XXXX/14, how come he charge before I got the invoice ) After contacting American express during the last 11 months starting with the first dispute on XXXX XXXX dispute # XXXX, following with other XXXX disputes with the following dispute numbers XXXX, XXXX, XXXX, XXXX, XXXX and finely with # XXXX, a total of XXXX times, I got a response that the merchant has replied to our inquiry and has denied our request for credit, they have provided a detailed letter, " itemized invoices '' and the " proof of delivery of both shipments '', we have attached the supporting documentation " WHICH WAS PROVIDED BY THE MERCHANT '' for your review, In fact I never authorized those invoices ever, this was mocked invoices, without even my signature on it, the tracking numbers are not for the full shipment in fact he charged me a total of XXXX, my dispute is only for {$6100.00}, which is the amount of merchandise I did n't received ever, and the main point is, " I NEVER EVER AUTHORIZED THIS XXXX CHARGE '' To make it in short words to the point there is XXXX Main facts. 
1- I never authorized this XXXX XXXX I never authorized this invoices I never signed it3- I never got the merchandise in full ( the tracking numbers are not for the full amount of merchandise )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 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: MN

Complaint narrative:
In XX/XX/XXXX my wife broke her ankle and has had several surgeries and has since become XXXX due to nerve damage which has caused XXXX and with that she has many medical appointments in which needs my assistance at home to tend to her daily cares. I had to quit my career as a electrician to be at home to help her with the daily activities and many doctors appointments for ongoing treatment of XXXX and for this there is no cure so it is extremely difficult to know how she will be able to tolerate the excruciating pain. I have usually had good credit in the past and due to my wife 's circumstances I have no choice but to let my credit be less of a priority and focus on my wife and this is someone that I have been married to for over 25 years. I am in hopes of your understanding of my situation and if I could of continued to make my credit a priority I certainly would have. I am sorry for telling my whole story here but this is what happened and I hope someday you may see how XXXX affects somebody 's way of life. I have one notice that I received for this so called debt that is said to be my responsibility and that was XX/XX/XXXX to appear in conciliation court XX/XX/XXXX, other than this I have not been sent any letter from the. Thank You for taking your time to read my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
constant throughout the day every day the phone rings from XXXX to XXXX, no messages left, even if we answer the phone no one is there, they are a debt collector, we owe no one any overdue debt. The phone ringing for no reason is annoying daily and want it to stop. The number calling is- XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I filed bankrupsy in XXXX of 2014 and it was discharged in XXXX 2014. I got a garnishment that I was not made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing this email as I have no other recourse. American Express does n't have a complaint department ( at least that 's what I was told on the telephone ) and their website does n't include an email address. Over the past two days I 've been so frustrated with American Express customer service representatives. It is clear that their customer service department is outsourced. That is not an indictment upon the nationality of the representative, rather an indication of representatives who do n't care about American Express customers. Upon being provided a pin number to obtain a cash advance, as I was in an emergency, I found that my card did not work. I tried more than XXXX ATMs and spoke to more than eight representatives with American Express. The answer I got from each representative was, " I 'm sorry but I ca n't help you. '' Since when did I 'm sorry I ca n't help you become a satisfactory answer for a customer service representative to provide a long-time customer who is in an emergency? On two occasions the representatives took steps to try and provide further assistance, but ultimately resulted in blind transferring me to another department who similarly was unable to help. I spoke to supervisors and all we 're happy to state that they were unable to help me. Why should I continue to do business with a company who care so little about their customers that they hire customer service representatives who ca n't fix problems and frankly do n't care to do so? 

Perplexed and perturbed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
On XXXX XXXX, 2016 I wrote to Transworld Systems Inc at XXXX XXXX XXXX XXXX XXXX and informed them that under the Fair Debt Collections Practices Act that I did not want any further contact from them. Then on XXXX XXXX, 2016 I received a letter from them including attachments. This letter is still demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC BANK Credit card, Account number XXXX Date Open XX/XX/XXXX credThis account is over 7 Years old no payments was made on this account since XX/XX/XXXXi have ask for validation and they have refused

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was living in XXXX for a few month taking care of my XXXX mother. American Express cancel my membership because it was past due for a few months. I have no access to gmail in XXXX, and was n't made aware of this situation. When I came back to the States, I immediately contacted American Express and offer to pay my annual fees and request them to retro activate my account and give back the XXXX plus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA
State: NY

Complaint narrative:
I refinanced a student loan and the amount paid to the old lender I used was more than the balance I owed. I called and ask about a refund and was told that I would receive a check. Two weeks later I called and no check had been issued but they promised that it would be made the following Monday and mailed to me. I asked why it took so long for them to issue a refund and could not get a response from the customer service person or the supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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:
I filled once already with this agency and this was supposed to be removed. I have again received another letter for the exact same account. This is now harassment. I do not owe this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX is continuing to sue people in new jersey. 
XXXX Plaintiff : MIDLAND Funding LLC / XXXX XXXX XXXX Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like midland funding llc is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and Court deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express recently completed a review of my finances. My credit cards with that bank have been canceled due to what they have said : according to the income that the bank has assessed based on records on file, my income does not support the spending on the accounts. 

I am XXXX and have substantial benefits for myself and all family members. I am the payee for my daughter. My wife 's benefits are listed in our joint tax filings. The bank has assessed our income based solely on line XXXX, total [ taxable ] income, of our 2014 tax filing. Our XXXX benefits, however, are not taxable and so do not figure into line XXXX of our tax filing. 

The bank has assessed our income at less than 5 % of what should be computed in a standard lending procedure. We had only just completed a different financial review to successfully refinance our automobile, justifying our claims that the income we report to lenders is correct. 

Am I correct in my view that the lending practice of American Express is a violation of the XXXX? Is this also a violation of ECOA ( discriminating based on source of income, i.e. some sources of income shall not be considered XXXX? I have tried educating the financial review team of said bank ; they will not budge. I have spoken to XXXX of the American Express financial review team in XXXX. XXXX did most of the work on my financial review by my understanding. I also appealed to XXXX supervisor, XXXX XXXX. Both XXXX and XXXX did read aloud the portion of social security income listed on our tax filings ( my daughter 's income not shown there XXXX. Neither XXXX nor XXXX would reassess our income. According to conversations with the XXXX ladies, they are under instruction to only assess income as what is shown on XXXX filing line XXXX XXXX total taxable income ) or line XXXX XXXX adjusted gross income ) whichever is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I signed up for american express platinum card on XX/XX/2016 because i saw them advertise ( XXXX Membership Rewards Points if you spend $ XXXX in the first 3 months ). After spending $ XXXX in 2 months, i was awarded the points. When i went to redeem the points, XXXX put a block on the points and are investigating my account. I called them and see what is going on but was not given any reason or timetable to when the investigation will conclude. This is false advertising. I paid all my bills in full and my balance is XXXX. I did not do anything wrong to be treated like this. I have many XXXX cards and this is the first time i 'm being investigated. 
please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I closed an American Express Account and was given the outstanding balance which I paid in full. Tonight I went online to check on some charges on a different and found that there was an outstanding balance on the account that I had closed as well as a finace charge and late fee. I had several instances when? I had contacted Amex regarding this not receiving paper bills on this account and had requested that they resume sending paper statements, but I would only get the current statement and future statements would were not sent. I have an issue with a credit card company not notifying me in any way regarding my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I referred XXXX persons to apply for AMEX XXXX credit card, and I shall receive XXXX bonus points per person when they get approved. I sent them the invitation email through AMEX system, and they received and clicked the link in that email to apply and they XXXX all got approved for that card. However 8 weeks later I did not receive my referring bonus. I contacted with AMEX and they said there is no record that my friend applied through my referring. I swear XXXX that I watched them click the link in my referring email and then get approved. How could they have no record!!! It must be their system errors or the bank intend to lie for this issue. I learned from social media that I am not the only one who met with this issue with AMEX and I believe that you also received other complaint about this issue. I just want to get the points I should receive. I have contacted with AMEX and they filed a investigation but keeps the same conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit management sent me letters in XXXX I 'm English speaking I called them several times to provide documents of paid accounts and have year to receive any documents I do n't know where my money went

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 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: PA

Complaint narrative:
I have disputed this debt over and over with the credit bureaus and the collection agency. Midland constantly is allegedly doing a reasonable investigation and verifying the account is reporting XXXX accurately. I disagree. While i have constantly asked Midland to verify and validate the debt and provide proof of it such as a contract or account statements showing what was bought with the alleged credit card. They have never sent any documentation at all. They only ever sent me a letter stating to call them to resolve my dispute. Since they have never sent me any documentation regarding the validity of this account they have violated the recent CFPB consent order from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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: PA

Complaint narrative:
Midland Credit Management received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with Midland credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted Midland Credit for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with Midland Credit Management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was a student of XXXX College whose parent company is XXXX Colleges between XX/XX/XXXX to XX/XX/XXXX. XXXX has shut down due to issues beyond my comprehension. Upon signing up for XXXX, I was told that I would be getting lifetime job placement through the program and other various promises. While in school, I had exhausted my federal loans. In order to continue, they told me I needed to sign up for private loans. Now that I 've been out of school, the interest and the amount of loans are affecting me financially. I 'm afraid to default on these loans as I 'm aware that it could ruin me financially. I just recently lost my job and have never been unemployed for more than a decade. I 'm seeking for a refund and reduction to these aggressive loans as the financial office made an ultimatum that if I did not sign up for the student loans, I could not finish. After hearing that XXXX would shut down, I asked the Dean whether the school would shut down or not. He said no and to continue my education. I know I 'm a little late on filing this complaint, but the form I had previously filled out was strictly for my federal loans only. I 've been doing this all on my own and no longer have access to documentation to my time at XXXX, other than my statements from the Private Loan company. It used to be genesis, but then it got moved to University XXXX. Please help and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called today XX/XX/XXXX XXXX PT ... the Transunion in Pennsylvania , spoke to a representative named XXXX and i politely asked that they may remove XXXX inquiries from my credit report as i fell victim to their inquiry error ... Removing and reinserting information on a credit file is by section 611 fcra laws illegal without notification within 5 days of reinserting. There were plenty of inquiries that were recently removed XX/XX/2016 and essentially put back on immediately without my acknowledgement which in turn later just expired due to the 2yrs statute, yet there was recently another glitch error that removed and reinserted my inquiries just last week. ALSO a XXXX sheet just got mailed to me stating i applied for some loan with them under Transunion 's reporting, although not showing on my report as of today, i do n't recall ever associating with them at all. I have the sheet attatched. Dont tell me to contact creditors because i 'm not portraying all these to be unauthorized, but this is a error on TU end. Company courtesy, I need these current inquiries off immediately and permanently this time. Inquiries : Screening Pros XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX

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 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
I worked breifly for a mortgage company that made many misrepresentations about their pricing and funding times. I quit the company XXXX/XXXX/XX/XX/2014 and asked when they were going to pay me my final commission. They told me on the following pay period. When the following pay period came, they changed their story to say that I never originated the file. I have a sworn statement from the borrower saying that I was the only one who originated the loan. This mortgage company is committing fraud by saying someone else originated this loan. I have all the email correspondence between the borrower and I during the initial phases and a letter saying I originated the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: MOHELA
State: OH

Complaint narrative:
I was unemployed from XXXX XXXX, XXXX to XXXX XXXX, XXXX requested monthly help from Mohela telling them I had number money for any payments for my student loans. They did n't inform me until XXXX XXXX that I could defer with any penalty monthly. In XXXX XXXX I was informed by a Mohela agent that I could have submitted for a 6 month deferment the day that I was unemployed due to my unemployment.

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