vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My account was sent to collection I settled and paid the balance on the card on XXXX/XXXX/2016 with XXXX XXXX. When I contacted this company on XXXX/XXXX/16 I was told that they would send a letter out stating that the balance was settled and satisfied however that they do not update the credit bureaus American express does this and was provided with a telephone number of XXXX. I contacted American Express to speak with a young lady named XXXX who stated to me that I paid the on the account after my statement closed. When asked when my statement closed I was told XXXX XXXX, 2016. I made the payment on XXXX/XXXX/2016. Then she goes to states that the code for the settlement was not entered into the system as of yet. We are 3 weeks into me paying this company and you mean to tell me that my account is not updated. I want this problem fixed IMMEDIATELY and removed off of my credit with all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XXXX/XXXX/XXXX while traveling to work in the town of XXXX, CT XXXX i lost American Express travelers cheques.The following day when i contacted the claims review dept and as instructed by them i filled a claim for a refund with the supporting documents needed, which included copies of identification and purchase receipts. Since i had not heard from them in a while, I followed up with them to know the status of my claim on XXXX/XXXX/XXXX. I got a response from them denying my claim saying that " Based upon our investigation of the information furnished by you, there is insufficient substantiation that your Cheques were lost/stolen from you.Under these circumstances, we regret that we must deny your claim. '' Since then i have followed up in writing with then on multiple occasions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but to no avail. I tried to tell them that their conclusion is incorrect and that they are mistaken. Also i have been repeatedly requesting them on the phone as to what other information would they like from me that will help clarify their doubts. I have asked them as to why they feel that my claim is a false XXXX, but they do not answer or provide any explanation for denying my claim. By writing to me that they are not convinced about the loss, they indicate that i am lying. A sad situation indeed and i seek your help to settle the matter. I do not need anything else but the money that i lost so that i can bring a closure to this long running dispute please. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: TN

Complaint narrative:
The full balance was paid in Full for the purchase of a XXXX. The payment was made by check and in one payment. We made it very clear to the lender that we wanted to pay the balance in FULL and have a {$0.00} amount to owe. I received another bill for XXXX the next month. I called and spoke to the account handler through XXXX and they said it was a mistake and would have it removed it was a computer/system mistake that automatically went through and was charged to my account and they had simply failed to remove it, it was a mistake and they would take care of it. I received a bill with XXXX late fees the next month and it kept adding up for 12 plus months. After calling customer service through Bowflex I was informed to send proof of payment in full. I sent XXXX a copy of the transaction from the bank account in which the money was taken out to pay the balance in full, Now this collection company keeps sending me a bill for {$340.00}. I spoke to a lawyer and told me not to pay it, because I had already paid the balance in full and the only other payment amount I could be responsible for would be the one month late fee of {$28.00}. even though the company acknowledged that to be a computer mistake. What can I do to get this taken care of. Thanks XXXX XXXX phone XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express ( Amex ) inquiries are on my credit report fraudulently. I spoke with a customer service representative who informed me that these were applications submitted over the phone using my personal information. It is common knowledge that ANYONE can submit a credit application with someone else 's personal information. I am disputing these inquiries, made on these dates : XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 I did not submit ANY applications to American Express ( AMEX ) on these dates and wish for the hard inquiries placed on my credit reports ( XXXX and XXXX XXXX to be removed. Moreover, it should be noted, the frequency of these credit applications being submitted reflects identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX ( XXXX ) does not provide their account holders credit card on file with detailed transaction information. The information is batched into single transactions billed to XXXX , XXXX My family just discovered that XXXX XXXX XXXX XXXX has been billing us for over 2 years for hundreds of dollars ... ..all unauthorized. XXXX will only credit 60 days. We had no way of knowing of fraudulent charges based on our American Express charges monthly and this is wrong. Am. Ex & XXXX need to provide detailed transaction reports so a consumer can readily detect fraud. Please help me get credit for the numerous unauthorized transactions from XXXX on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: MI

Complaint narrative:
I have notified this complany both in writing and on the phone that this debt was included in bankrupcy and that the debt is over 10 years old they refuse to take it off my credit report and keep readding it and keep trying to collect on this debt I am sick and tired of this I want it off or I am prepared to sue for defermation of character and for the damage it has done to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX I made an agreement with XXXX XXXX XXXX to settle a lawsuit from a credit card debt. At that time the amount to be paid was {$5800.00}. The agreement was for XXXX to take {$100.00} out of my bank acct on the XXXX of every month. XXXX said it was my only option because they did not accept checks being mailed in. Until XX/XX/XXXX they took {$100.00} from my acct. And then it stopped. I do n't know why it stopped even though a balance was still due. Nothing on my end changed the bank acct was the same ( I have had this account for almost 20 years ) and no contact was received from them, ( I have had the same phone number for 25 yrs and the same address for 17 ). Then on XXXX XXXX, XXXX I received a call at my office wanting to verify employment. When I asked what this was about I was told it was in regard to a judgment gotten against me by Midland Credit Management for violating the terms of the agreement. I was never notified about this, did n't even know that a court date was set up nor did I ever receive a phone call or letter from Midland about this. When I mentioned that I did not violate the agreement that they had stopped taking the money, and that all my information was the same, the person said it was my responsibility to find out why they stopped. Again none of my info changed so why is this my responsibility? She they said I had to pay the full amount even though they had collected over {$2900.00}. It took me over 4 hours of arguing with them and lots of lies on there behalf. All of which they kept blaming me for their error. I was told that I should have sent them a check and when I said that I was told they did n't accept checks I was called a liar. Finally I was able to speak to someone who claimed to be an attorney and who blackmailed me into paying them {$500.00} to make it go away. When I ask for the lawsuit to be vacated I was told NO. This is not right, now my credit which I have been working very hard to fix is showing a Judgment against me, which is not my fault. Again I have had the same bank acct. Phone number and address all for over 17 years so they could have reached me at anytime. This is not right, I was basically black mailed into paying a debt which they failed to collect, not that I failed to pay. I hope you can assist me in taking action against this company which I am sure I am not the only person they have done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XXXX Debt Buyer Enforcement Action. On XXXX XXXX, XXXX I contacted XXXX as required by this court order, to ask for a refund as consistent with the court order, of payments made by me as a cardholder to the buyers of my debt, citing violation of the Dodd-Frank Act. I have proof of payments made since before and after XX/XX/XXXX. I was not notified by XXXX that it sold my account. I am asking for a refund and a restitution notification letter in accordance with A., B., C., and D. as provided by the CFPB website. The XXXX representative I spoke with on XX/XX/XXXX at XXXX XXXX., told me the account had been sold and that XXXX no longer had any responsibilities to this account. They say they sold it to Midland Funding, who have since sold it to a law firm. No one answers the phones at either of these locations. Can you please help me to get my refund and restitution letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had {$420.00} taken off my prepaid Bluebird American Express that I did not authorize. The account has been closed and the fraud department said they could not determine fraud was committed on my account. They have no proof that I authorized these purchases because it was done online and I did not purchase the items in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
The collection agency is calling for XXXX XXXX. I am not him. This is his sole debt. They are also calling my Mother. He is my ex husband. He is out on bond for XXXX charges of unlawful conduct on a child. I gave them his phone number, address, his parents address. They continue to call me and my Mother on her phone line. I asked them to stop calling me as did she request for the calls to us to cease. The calls continue to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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:
My Mother recently passed away. We have a joint checking account in XXXX names at HSBC. My Mother 's name OR my name. I went to the bank, provided a death certificate along with my State issued ID, and was told the account would be closed and a check would be issued in my Mother 's name at the end of the month ( XXXX ). I would like the check to be issued in my name since XXXX names are on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: TX

Complaint narrative:
I am writing you about a response I received from MIDLAND CREDIT MANAGEMENT. I Disputed an account that was charged off on my credit reports with the XXXX major credit bureaus. It was charged off on XXXX. I am filing an complaint because Midland Credit Management is requesting the XXXX major credit reporting agencies report this account they have bought of mine that is over seven years old -- as " DISPUTED ''. They requested this as of XXXX. This Dispute is OVER 30 days old. They continue to request it as an ongoing continuous dispute. I am no longer Disputing this account as inaccurate. I NO LONGER want Midland Credit management to keep processing this dispute. It is well over 30 days past my initial dispute. I want to pay debts and resolve problems, unfortunately, MIDLAND is holding my credit report hostage to dispute notations -- - that are old disputes that should have been resolved in 30 days. Otherwise, I could pay more off with better credit reports. If they keep reporting as disputed, I will have to take legal action. I know you can assist me with this considering Midland 's legal trouble and history.They are no longer legally allowed to investigate my OLD dispute. This account is # XXXX. I am NO LONGER DISPUTING THIS ACCOUNT WITH MIDLAND CREDIT MANAGEMENT , INC . ADDRESS : XXXX, CA, XXXX.PHONE : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I opened a credit card with XXXX/ XXXX XXXX bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or XXXX ago. MCM midland credit management ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a letter notifying me that my mortgage loan will be transfer from HSBC to XXXX Mortgage, and now that I have received my first new statement it has a lot of legal fees added to my account, when I call the new mortgage to ask about it they said their charges from my previous company HSBC, if HSBC sold or transfer my account to an other company why they are charging me the legal fees if my account is NOT pass due or behind on my payments? I have actually been sending extra principal on my payments for the last 5 months, this is totally an abuse from this big mortgage company 's, this is just not right and is a robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I changed cable companies after XXXX installed their qqequipment on my neighbors roof and their bill eas XXXX times what had been agreed upon.I signed no contract, but noticed on my next American Express statement XXXX had charged XXXX on XXXX XXXX and XXXX more the very next day.I immediately disputed the charge with American express who also assured me XXXX would not be permitted to charge my Amex account again.They charged XXXX the next month and XXXX the following month.I agai disputed the charges, which Amex had said would n't be permitted to be even added to my account.Amex has sided with XXXX in my dispute .How I ACCRUED 850 DOLLARS IN CABLE FEES IN XXXX MONTHS IS BEYOND ME, BUT American EXPRESS STOPPED ME FROM CANCELLING MY CARD WITH ASSURANCES XXXX COULD N'T ROB ME ANYMORE.Amex decided against me before they even got my letter disputing the charges.I had no contract with XXXX and the flier they sent only had XXXX XXXX early termination fee with contract, which I never signed.American Express allowed an unauthorized transaction they had full fore knowledge of from XXXX XXXX when I made my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
At the beginning of 2015 the bank of American Express requested me to pay a annual membership fee XXXX {$.00} I phoned the bank and replied that I ' d rather cancel my bank account than to pay the membership fee. The bank said " No problem, it is only upon your wish, even though when you not pay the membership fee at the deadline of XXXX 2015, this bank credit card can continue serve you two months. '' Considering my available Points as high as XXXX on XXXX I consumed it with a balence of XXXX $ and tried to redeempoints for the statement credit. But to my dissapointment, the redeem function of America Express Website could n't run at all. I 'v already tried to do redeem with my rewards no less than XXXX times, but everytime I tried, the website showed me inevitably this " We 're sorry, the system is down and we are unable to process your request at this time. Please come back and try again later. '' _ this simply means undo! Now the bank insist me to pay the membership fee plus consume bill plus late fee plus interests, totally XXXX $ and all my rewards has to be abandoned. I 'v live chatted with the bank XXXX times but the bank could n't help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NJ

Complaint narrative:
I used XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.

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