vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express canceled my account on XXXX/XXXX/XXXX. The only reason they gave me was that the account was " fraudulent '' although there were no unauthorized charges on my account. They went on say that their fraud unit did an investigation and found my account to be fraudulent. The Amex rep would not tell me too much but implied that someone claiming to be me told Amex that he ( I ) never applied for an Amex card. I have been an Amex member since XX/XX/XXXX, at the same address and the same phone number. No one from Amex called me or wrote to verify my identity or to questions me about this alleged fraud although I have been receiving my Amex bills at the same address for years and have never missed a payment. I found out that my Amex account on XXXX/XXXX/XXXX was closed when XXXX billed Amex as they every month for my internet service and the charge was denied. AMEX never informed me that they had closed my account. I can not understand how their fraud unit did an investigation on my account and Amex never contacted me for anything. Also on my online Amex account they list the last XXXX digits on your account. The XXXX digits were not the last XXXX digits on my Amex account, which I also informed the rep. I also receive a paper statement from Amex and it had the correct XXXX digits from my account. In summary, Amex had no right to close account without contacting me, interviewing me or at least informing of what they intended to do. They gave me very little information as to the specific nature of my account being " fraudulent ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 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: Client Services, Inc.
State: VA

Complaint narrative:
I had a bill from XXXX XXXX XXXX regarding a visit in XXXX 2015. I paid this debt in full in XXXX 2015. XXXX did not credit the payment and has continued to send me bills. Then, I received a letter from a collections agency today for this bill that had been paid in full. When I called the debt collection service they told me their records did not show me owing anything. If that 's the case they should not have even had me in their system. " XXXX '' told me he would contact XXXX to reconcile the account so that I would get no further correspondence. When I asked for " XXXX 's '' last name for future reference to ensure this matter had been reconciled he refused to give it to me. 

This matter is problematic for a couple of reasons. First, if I do not owe the debt then I should not have been in their system. Second, I had to give XXXX my full name, date of birth, and address before he would speak to me. There is no way for me to determine if he really was a valid debt collector and not just somebody asking for my name, birthdate and address. This could have been a scam and I just gave some unknown person my personally identifiable information. 

In addition, I had the same problem with ASE last year where they did not credit my account with my payments and I had to fight with a different debt collection agency to get my payments credited and to have them remove the improper and un-owed debt from my credit report. 

I would like someone to look into XXXX and their billing and payment received actions. This is not a company that I can simply stop using as they are emergency room physicians in this area. 

I would also like someone to look into Client Services Incorporated, the supposed debt collection agency. Refusing to give out a last name but refusing to talk to an individual before they give them their PII is unfair and insecure. I have already been advised that my information has been compromised due to a recent cyber-hacking incident and I need to be vigilant about watching my information. It puts people in a very bad position since if they do n't do anything and everything asked of them the debt collection agencies will ruin their credit and never have to answer for it. 

I would appreciate your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. 
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. 
Is there any way you can intercede to get HSBC to lower the interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XXXX XXXX, 2015 I received an email from American Express Serve notifying me, that they would start charging a monthly {$4.00} fee to keep the account open. After receiving the email I decided to cancel the card and logon onto my online account. 

After logging into my online account I attempted to close the account but was blocked from being able to do so, as their computer system then required me to respond to an additional verification email. I waited several minutes but never received a verification email which I could respond to. 

I then called their customer service number at XXXX and spoke with an agent whom I provided personal verification information ( SS #, DOB, Address ) and requested to close the account several times over the phone. The agent refused and stated that I had to first respond to the verification email ( which I have yet to receive ). We spoke on the phone for several minutes while he attempted to send multiple emails which continued not to arrive. I again requested that he close the account for me over for phone and the request was refused. The agent stated I would have to wait for the email to arrive, I asked if there was any other way I could close the account he said no. 

At this time I do not know if I will be able to close the account and am concerned about being charged penalties and late fees. I 've now spent over hour attempting to close this account and still do not have a resolutionI 'm also concerned that the current business practices and procedures in place will also prevent other consumers from being able to avoid injury as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I work very hard to pay my bills and I want very much to keep my student loan payments in good standing. I can not afford the XXXX a month payment Discover is requiring of me. And now they tell me I have no options. None. I have tried all I can to come up with a payment plan that works for us both. I am a new father and have even taken on a XXXX job to try and make ends meet. Discover let me pay a reduced payment of $ XXXX/month that was just doable for me. Now I am out of options. The only option now, it seems, according to Discover, is to default, which I do not want. I have XXXX co-signers : my brother who is in the XXXX XXXX and can not afford these payments and my sister, who also can not as she is a stay-at-home-mom. I want to be in good standing. I want to work with Discover, but they refuse. This can not be how their business works : " Sorry, too bad, nothing we can do. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.

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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion refuses to remove a debt that is past the statute of limitations the original debt is XX/XX/XXXX this is the final bill last date of activity it was sold to a collection agency that is stating the debt was XX/XX/XXXX this is incorrect this is refreshing I do have an attorney hired that is suing the collection agency. The law says 7 years 180 days since delinquency which is XXXX I want this removed I have not paid the collection agency anything and will not due to the fact that the business responsible for the accident said they would pay my medical but they did not that is besides the point the credit bureau is in the wrong taking the word of the collection agency when I sent them proof which was the final bill with the dates stated above. It plainly states on the cfpd site that I am correct about the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, In XXXX of this year, I received a new credit card from Macys. There was no indication in the paperwork that I received that my account number had changed but, it turns out it had. I had my Macys account set-up to receive ebills through XXXX XXXX XXXX but, since they had changed my account number, I stopped receiving these bills. It seems the first missed payment was in XXXX. The first contact I received from Macys that there was an issue was in XXXX. At that point they sent a letter claiming to have called me repeatedly ( this NEVER happened ) and notifying me that my account was delinquent. I called them and asked that, given the circumstances, they remove the late fees and interest charges. I have immaculate credit and, in more than a decade of doing business with their company, have never had an issue. In attempting to talk to someone about the problem I was repeatedly transferred to departments that had nothing to do with my problem or transferred to " nowhere ''. I finally sent a XXXX message and, again, beyond a courtesy acknowledgement of receipt of my message, I never receive any response from anyone. I have resolved the balance because a, I owe them and b, I care more about my credit than to continue to pursue this losing battle. However, I think someone should be made aware of the fact that they do not attempt to contact anyone until they 've racked up their share of fees and charges and, that a consumer attempting to talk to anyone about the situation is repeatedly thwarted in the most suspect manner. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We received a letter today from Household Finance Realty stating they were going to take more money from our bank account because we have n't paid our taxes or insurance on our property.We always pay our own taxes and insurance on our property, This company has no reason to even take money other than the XXXX per week for our mortgage.When we refinced with them years ago they told us that if we paid weekly that our loan would be pd off in seven years so that is whar we did, we thought that was the best thing to do so when we got ready to retire we would have the loan pd off.When the seven years came about they were still taking money from our account so we called them and they said that was not the way it was suppose to be.Now they tell us we still owe XXXX on this loan and they are going to take XXXX more from the payment every week because we were late on our XXXX tax and did n't pay our school tax.We call our local off and we pd our XXXX tax XXXX XXXX and we do not pay a school tax because of the star program.We contacted our insurance company and we have always pd our insurance on time.I told this company that they do not have our permission to take anymore money out of our account, thsi company should not be in business, there have been thousands of complaints about them always saying everybody owes them more money, The government has to close this business up, so they cant take advantage of anymore people.We are contacting a lawyer to see why they are still in business even after the XXXX has had thousands of complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX i applied for credit card with XXXX XXXX. After 1 month of using the credit credit card, the suspended my account for any reasons. On XXXX XXXX my balance was XXXX dollars that i already paid. Finally XXXX XXXX Sent me the statement that included XXXX dollars for member fees. But i just got the credit lees than 1 month. My big surprise is that charged me for the late fees for the membership fees and they sent to the credit report and they drop my credit scores down. The amount was XXXX dollars. I called XXXX XXXX and let them know and thy told to pay the member fees and claims it back. Plse help me to get my money back and fix my credit for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10 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: IN

Complaint narrative:
MCM Midland Credit Management Inc, has been harrassing me since XX/XX/2015. They are claiming I owe {$240.00} to XXXX / XXXX. 
XXXX doesnt even exist! 
To be sure, I spoke with XXXX customer service to verify my XXXX Credit Card had a balance of {$0.00}, which WAS confirmed and the account was closed. 
XXXX says I do not owe any money. 
I have pulled my credit report since then and it is clear. 
I did receive notification from the US Govt that sensitive information pertaining to me was stolen, which they provided me with free credit monitoring for the duration of three years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I had an XXXX XXXX credit card with a credit limit of {$110.00}. I lost my job so I could not make the payments. The balance owed on the card was {$86.00}. A collection agency bought the debt and is charging me an unfair price of {$390.00}. I did make a payment to them for {$50.00} on XXXX/XXXX/14 when the asking balance was {$340.00}. I do n't know how or why the balance is now {$390.00}. I did dispute this with the credit agency but they said this is justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 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: FL

Complaint narrative:
Midland Credit responding to claim on # XXXX saying that they validated the debt. They did not provide proper validation of the debt and they continue to report to the credit companies. Midland Credit or Midland funding is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Supposedly a parking ticket is in collection with Transworld Systems, according to a recent credit report. This dates back to 2014. I have never been contacted, verbally or in writing, by Transworld Systems and only discovered his erroneous debt through a credit report. I have repeatedly called Transworld at numerous different numbers, can not reach a human being and have never received a return phone call. It is impossible to pay this bill as I can not talk to anyone what will tell me how, as I have never received a written communication on his debt or how to pay it, and as these factors make it impossible to pay. An endless maze

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I contacted Sears after reviewing my account online. On my account summary it showed XXXX separate accounts. After seeing this I contacted Sears customer services I had to repeat myself over and over again asking why I have XXXX different accounts. I informed the customer service representative that the only card is the account ending in XXXX with an expiration date XX/XX/XXXX. The customer services representative immediately said " Oh would like a new card ''. I continued asking her why I have XXXX different accounts. Finally she gave me the explanation that it was my old account. I still do not understand why that account number is still showing on my account. The customer representative asked me again if I would like a new card. I said " ok ''. The customer service representative put me on hold. She came back on the phone to confirm my mailing address. Then informed me that my new card would be sent. I woke up the next morning finding out that my credit was pulled By Citi ( which provides Sears the credit card ). I have contacted Sears/Citi. I am currently in the process of purchasing my first home. I will be going to closing on XX/XX/XXXX or XX/XX/XXXX I never said yes you can pull my credit. Citi bank contacted me today the presidential office stating that it is common practice for Citi to do this when a new card is requested to protect against fraud.

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 non-monetary relief