vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? 
I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Debt was discharged in bankruptcy in XXXX. Received letter XXXX from 3rd party collection agency stating that I still owe original creditor. I called XXXX, XXXX XXXX XXXX, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I cancelled my account due to relocation and just received a bill from collection agency that I owed XXXX XXXX {$290.00} when I have not been using their services for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express is stalking me on social media and calling my friends and family members to collect a debt I owe them. I have explained our situation, and am paying them slowly, but they continue to harass my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX. 
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.

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

Complaint narrative:
XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. 

I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I went to pay my American Express ( AE ) Credit card balanceon XXXX XXXX. I auto paid my balance for the last 5-6 years. 
using my XXXX account. I gave them instructions to use XXXX account for a payment of {$2100.00}. 

On XXXX XXXX I received a notice from AE my bank rejected the payment. 
I checked the money was still in my XXXX account. 

I recently moved from XXXX to XXXX. I found out XXXX does not have any branches in XXXX. I did not have enough money in my XXXX account to settle the amount owed. My XXXX XXXX got a bank check from XXXX to cover the balance. I have never done any business with XXXX.She mailed in a check to American Express. The check cleared the XXXX payment. 

What I found out next shocked me. American Express did not use my XXXX account in XXXX as requested but instead just took the account info from the XXXX Check deposited in XXXX and sent that info in for payment.Of course it was rejected. 

This is illegal and was certainly not authorized by me. When I called American Express for an answer. They told me I did tell them to use XXXX but there was no record of that account after 6 years of use. 

Their supervisor XXXX was most very condescending when speaking to me and lied through he teeth about where the new info came from. 
to protect his XXXX. 

Some one put that false info in for whatever, who knows? Their employees need more sensitivity training. I feel American Express should be severely fined and I should be awarded a small sum for all their abuse and time spent fixing the problem. 
training.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have no knowledge of this acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Miller Davis & Peoples
State: FL

Complaint narrative:
Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me. 

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: FL

Complaint narrative:
MIDLAND CREDIT FUNDING IS REPORTING THAT I OWE THEM A DEBT. I SENT THEM A NOTICES REQUESTING VALIDATION AND NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX XXXX and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: VA

Complaint narrative:
I have any knowledge of the said account Midland Credit Management I have contact this company in the past & thru CFPB asking for validation of this account the out come is always a letter stating that the info is correct! How is this info correct? How did you verify this information to be correct? What proof do you have to show this info is correct? Can you please share with me how you found this info is correct? I tried to request verification online today thru XXXX & i received a statement saying that MIDLAND wo n't reinvestigate this matter but it was never proven to me how is was my debt! I have attach the letter that was sent to me just stating that the info is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I received a letter from the American Express that one of my card is being converted to dissimilar card forcefully. I contacted regular customer service, but they were no help. I contacted American Express Executive Office by phone at XXXX. I was told to submit my concern either by Fax or e-mail at XXXX, which I did by e-mail on XX/XX/2016. Since I have not received any acknowledgement from the American Express, so I called the XXXX again. The lady told me that she could n't help because she did not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
For 32 years we were a loyal, dedicated, exclusive customer for American Express. We paid them about {$100000.00} per year on average ( sometimes way more ). We used their Rewards Program sparingly, and only when absolutely necessary ( for example to pay for a last minute critical airfare ). According to them, XX/XX/2015 they revised the Rewards program we participated in. According to them we were notified multiple times via mail. Nobody here recalls seeing anything. The new revised program required us " opting in '' to maintain our point balance of XXXX. The fee was going from {$110.00} per year to {$170.00}, which for us would be no problem. According to them, by not " opting in '' we reverted to a non-reward program at {$95.00} per year but would lose all accumulated reward points. As I said, we never knew anything was taking place. A new card came at that time, but it was a chip bearing card and we assumed it to be just the chip making it necessary to send out. Last weekend, we found out by accident ( trying to book hotel rooms ) that " there were no points any more ''. They had cancelled and taken 32 years of accumulated reward points, XXXX in all. In my words, they STOLE the rewards points. I find this HIGHLY unethical, mean spirited to a long time loyal customer, and bad business practice as they refused to reconstruct the program to what it was, even at maybe a nominal cost to me ( for missing something I NEVER saw ). So that 's how American Express treats it 's great long time customers. Let 's let everyone know. This looks like a nice plan to get rid of as many open Rewards points as possible without honoring their intent. Great management decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 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: TN

Complaint narrative:
I have received XXXX calls from this company telling me that I owe a debt. I do not know what type of debt, I do not stay on the phone long enough with them to find out. I do not have any type of delinquent debt, whatsoever. I once did, but over 7 years have passed since that debt was owed. Additionally, it would be " barred debt '' regardless, based on my state 's law ( s ). I think that they have bought a delinquent debt list that still has my name on it. I am concerned that this company or a future company may try and put it in my credit file with a CRA. This entire matter needs to be investigated and my name removed from their and/or anyone else 's purchased bad debt list ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: FL

Complaint narrative:
I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. 
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. 
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. 
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
over 7 years since last payment was made -- should be removed from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I submitted a payment to Southeast Toyota in XXXX 2013 and the company marked me as 30 days past due on my credit report, however, I had submitted bank statements at the time showing that i made the payment and it posted to my account, and the date, but they refuse to make the necessary changes to correct the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up. 

XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that. 

XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have filed several complaints to this company and they insist on charging the wrong amount. It 's a healthcare debt for which my insurance has guaranteed I do not owe as much as the debt collection agency says I owe. The debt collection agency says the health insurance does n't cover it, which does n't make sense because the health insurance says that I do. I am unsure what road I should take now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.

Company response to consumer: Closed with explanation