vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have to choose XXXX of the XXXX options given in the form at CFPB to describe my issue, but I am not sure my issue matched any of them well, since my issue is related to a time-barred debt as described below. 

Midland Funding LLC ( " Midland '' ) is deceptively collecting or attempting to collect from me a time-barred debt through arbitration at the XXXX XXXX XXXX ( " XXXX '' ), and thus violates the consent order issued by CFPB on XXXX XXXX 2015 against Midland ( and a few other debt collectors, defined together as " Encore '' in the consent order ). 

On or about XXXX XXXX 2015, Midland via its attorney filed to XXXX a counterclaim against me in connection with collecting or attempting to collect from me a credit card debt. This alleged credit card account is a " debt '' as defined in the consent order issued by CFPB against Midland on XXXX XXXX 2015. I, as a natural person allegedly obliged to pay this debt, is a " consumer '' as defined in this CFPB consent order. Midland is a " debt collector '' as defined in the CFPB consent order. The alleged debt is beyond the applicable statute of limitations. Midland 's conduct violates the consent order about prohibition against deceptively collecting time-barred debt through litigation or arbitration ( Paragraph XXXX in the consent order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have XXXX jobs where I work part time XXXX. I have went into work with a message that MCM company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( MCM company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation
State: TX

Complaint narrative:
Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have asked XXXX XXXX XXXX to produce the original contract beating my signature on the authorization agreement for a few months now. The only thing they send is the letter I will attach and billing statements which do not legally prove that I requested the alleged account to be open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I signed up for an American Express Platinum card with a XXXX point welcome bonus. The card has a {$450.00} annual fee. I met the requirements for the offer with {$3000.00} of spending in the first three months of opening the account and had the points posted to my membership rewards account. American express put a hold on my rewards account and I immediately stopped spending on my cards with the idea that I should not use the card until the issue was resolved. American Express took back the XXXX points that posted to my account after the three months had ended. They factored an airline fee credit into their calculations and determined that I had come short by {$2.00} to meet the minimum spend. They rendered this decision after the period had passed under which I could have canceled the account and received a refund for my annual fee of {$450.00}. American Express was never transparent throughout this process, never indicated that I needed to do additional spending on the card *after* I had met the terms and conditions and kept me in the dark until after I was ineligible for a refund. Had I known this issue was not going to be resolved ( I was specifically told on the phone that they would give me the XXXX points back because the fee credit was a computer error ), I would have canceled my account for a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had been calling Amex for months to say that a charge ( {$5.00} ) was being billed every month by a company that I did n't recognize. Every month, they would say that they would credit me the funds and the vendor would be blocked from charging further. Every month, I would need to call back. This morning, I called to try to resolve the issue once and for all. I spoke to 17 people from the XXXX to XXXX to XXXX. As always, their front line personnel had made an error and no one has been willing to resolve the issue. I made 47 attempts today alone and I was either disconnected or told that there was nothing they could do. They claim that they do n't keep notes from previous conversations. Basically, they are blackmailing me - I must pay my bill in full, but there is no room to discuss the fact that there was a huge error with my account. The agent cancelled my card after she specifically told me that she would n't and refused to provide a replacement card. Her comment was that " I should n't have complained about a {$5.00} charge if I did n't want to be inconvenienced. '' It ca n't be that they can bill you for anything and everything, you have no right to dispute and then if you do n't pay your bill, they ruin your credit. This is a distinct pattern with Amex - all calls go overseas, the front-line personnel are not professional, do n't understand what you are saying, continually make mistakes and provide customers with erroneous information and then a customer has no where to go to lodge a legitimate grievance or complain. I have also tried going on-line with a customer service agent. The response was that " they could n't assist me - I should call! ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Since XXXX 2015, I have repeatedly tried to get a dispute started for a charge XXXX put on my American Express Serve card for approximately {$94.00}, because these were cable wires, AND LITERALLY, NOT ONE OF THESE WIRES OR ANYTHING ELSE I MIGHT HAVE RECEIVED WORKS! I HAVE REPEATEDLY CALLED SERVE, AND NO MATTER HOW MANY TIMES I CALL TO START A DISPUTE, I 'M TOLD ALL KINDS OF XXXX ABOUT WHY THE CHARGE CA N'T BE DISPUTED - WHICH IS B.S!!! IN THE BEGINNING, I DID GET A DISPUTE FORM IN MY EMAIL ; THEN, 3 DAYS LATER, SERVE WROTE ME AND SAID IT WAS CLOSING THE CASE, BECAUSE " I FAILED TO RESPOND!! '' SINCE THEN, I HAVE ENCOUNTERED NOTHING BUT EXCUSES AND HEADACHES IN TRYING TO START A DISPUTE! THIS IS WHY I AM WRITING. I WANT MY XXXX MONEY BACK AND I WANT IT NOW!!! PLEASE ASSISTS ME IN THE RETURN OF THE {$94.00} APPROXIMATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX. 

My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us. 

In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating. 

I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected. 

I ended the call after speaking with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I would like to file a complaint against midland capital funding LLC for attempting to Sue me and Collect on an Old XXXX Debt, that they Purchased from XXXX XXXX in XXXX or XXXX, the account was opened in XXXX by me, and Midland Funding Bought The Charged Off Account in XXXX or XXXX, and they are in the process of suing me, at this Time. Louisiana XXXX states that after 3 years a company can not attempt to collect on this type of account. The Statue of Limitations has Expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a XXXX card on XX/XX/2016. The advertising for this card promised " apply by XX/XX/2016 to get 10 % back when you use the Card at XXXX XXXX in XX/XX/XXXX, up to {$200.00}. '' I have not been receiving this benefit as promised despite a total of {$490.00} in payments to my wireless telephone service provider, XXXX ( listed in billing as " XXXX '' ). I called American Express customer service on XX/XX/2016 to inform them of this error on their part ; the agent I spoke with verified that I was eligible for the bonus, did not know why I was not receiving the benefit and they said they would " open a case '' and that this would be investigated. I called again approximately 4 weeks later and was told that there was still an " open case '' and that this was still " being investigated. '' I am extremely upset that I was promised a benefit ( which was the main reason I opened the card ) and that your company is not fulfilling it as promised, despite promises it was being investigated and my patiently waiting more than a month and a half for a resolution. I do n't appreciate being blown off like this. It 's time for your company to do as promised and provide me the 10 % back on my wireless telephone payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express card connected to XXXX. I had a platinum card for a year, with a {$150.00} annual fee. When I got the bill with the coming year 's fee, I called and asked to have the card changed to a XXXX card with a {$95.00} fee. That was done and I was told that I would be charged {$95.00} for the year and the {$150.00} would be credited back to my account. I paid the {$95.00}. When I got the next bill, the annual fee charges were prorated so I was charged XXXX month at the higher fee. I called to have that corrected and customer service person was extremely unhelpful and patronizing. I asked to speak to a supervisor and after considerable resistance I got someone else who was also patronizing. He kept repeating, " XXXX XXXX, you must understand .... " I understood extremely well, but he refused to acknowledge the issue or what I had been told in my previous call. I asked to speak to his supervisor and, again, after resistance I was told someone would call me within 48 hours. I have not received that call. I was going to call back but have no hope that I will be able to reach someone helpful. The amount of money is under {$5.00} but I find the lack of accountability and the difficulty in getting acceptable customer service or any remedy extremely troubling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an American Express XXXX card in XXXX 2016 with a XXXX point membership rewards bonus after spending {$3000.00} within 90 days. I spent over {$3000.00} on the card and the points posted to my account on XXXX. They were listed as " available '' in my rewards account and I used some of them to book flights. On XXXX, XXXX points were deducted from my account, leaving me with a negative balance. When I contacted Amex about this, they informed me that I had returned purchases and no longer qualified for the bonus. I 've not returned any purchases, ever, on this card. When I inquired further, they agreed with me ( on a recorded phone call ) that I met the bonus requirements and a computer glitch had caused the points to be deducted. They informed me that the points would be added back to my account soon. That was several weeks ago, and as of today, the points have not been added back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
Due to a pending divorce from my spouse, I requested a loan modification from my Lender, HSBC, and received an approval today wherein they lowered the payment. However, the interest rate was not changed and is still 9.25 %. This is predatory lending because the current interest rates are 4 % or less and mine is more than double. It appears that they only reamoratized my 30-year mortgage and included my taxes and home insurance payment into the mortgage payment. Previously I paid the principle and interest only and was responsible for paying my yearly taxes and home insurance on my own separately. I have explained to HSBC while I will accept this " modification, '' I am only doing so to preserve my credit and that I am extremely dissatisfied with the fact that my interest in extremely high and not competitive at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default. 
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder. 
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid. 
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase. 

The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I took out federal and private loans while in school at XXXX University in XXXX XXXX SC ( XX/XX/XXXX-XX/XX/XXXX ) I consolidated and did a income based payment but this private student loan is in a total of about {$25000.00} which I took out with ACS. For the past 2 years I 've been managing my debt really well so I 'm always on top of what 's going on with my financials like whats in collections, trying to handle defaulted student loans one at a time and what I can and ca n't payoff because I 'm definitely not rich and the collection agency that I last spoke with a few months ago that my defaulted private student loan is with, wanted outrageous down payments and monthly payments. So today I checked my credit which I do about 2-3 times a month. Today I see my XXXX report went down XXXX points from 7 days ago when it was last updated. I checked to see what happened and it shows a collection company name TRANSWORLD SYSTEMS Inc claiming an unpaid educational debt of over {$35000.00}. It claims the debt first went delinquent XX/XX/XXXX. I have no knowledge of this debt or the amounts its claiming and I definitely did n't take out a student loan or any loan recently, especially for it to be delinquent as of XX/XX/XXXX. I researched the name of TRANSWORLD SYSTEMS Inc and got discouraged because everyone is saying it 's a scam. Please help me out, I have no idea what to do and I really want to put this private loan behind me. Working with collection agencies are nothing like working with the original lender like the US Dept of Ed. Attached is what I see when I check my credit. Again I have no idea what this debt that TRANSWORLD SYSTEMS Inc has on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: LA

Complaint narrative:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I HAVE SAVING, CHECKING, DEBIT CARD, CREDITCARD AT THE HSBC IN CALIFORNIA BRUNCH. 
1-I CAN NOT USE MY ACOOUNT PROPERLY ON INTERNET BANKING WITH BIIL PAYMENT, BANK TO BANK TRANSFER, WIRE TRANSFER.DATA BASE PROGRAM INCOMPLETE, EACH TIME I REPORTED THE ON MY ACCOUNT WITH HSBC EMAIL SYSTEM .ALSO CHAT ROOM SUPPORT. HSBC STOP RECORDING CUSTOMER PROBLEMS ON EMAIL SYSTEM. 
2-MY DEBIT CARD IS NOT FUNCTION ON MY ACCOUNT WITDROW MONEY AT ATM ON INTERNATIONAL BANKING XXXX XXXX.BECAUSE HSBC DOES NOT HAVE INTERNATIONAL BANKING IN XXXX. I HAVE TRAVELED HERE IN XXXX FOUR DAYS WITHOUT MONEY WITH HSBC. 
I CONTACTED HSBC CUSTOMER INTERNATIONAL SUPORT GROUP NY, XXXX, XXXX .I REPORTED ALL THESE PROBLEMS WITH PIN, CARDS PROBLEM AND SO MANY CHECKING TO DO WITH CUSTOMER SUPPORT .THEY ALL HIDE THE PROBLEMS OR THEY HAVE NO INFORMATION TO TELL ME AS CUSTOMER DIRECT. 
HSBC HAS VERY BIG PROBLEMS AND UNFAIR DEALING WITH AS CUSTOMER. 
ILLEGAL HOLDING MY BANK ACCOUNT AND I CAN NOT TO USE MY MONEY. 
I HAVE NOT BEEN TREATED FAIRLY.HSBC BANK IS VIOLATING BANKING REGULATION AND CONSUMER PROTECTIONA LAW. 
SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS : My card was stolen XX/XX/2016. I immediately notifed AMEX and received a new card. However, when I received the next billing statement there were charges amounting to {$1800.00} that I did not make. I immediately called AMEX and they said they would take care of it and send it to their fraud claim department and that was it. ( I went through the whole list of charges and a person checked them off. ) Since then I have received endless number of communications from American Express stating they were looking into it, in some instances they credited me for {$8.00} which was a charge ( that I did not make ) at a drive through restaurant, and they credited me for other amounts but then charged them back to me, stating that they contacted the companies where the charges were made and the company said the card was presented so they charged the amount back to me -- -YES, THE CARD WAS PRESENTED, THE CARD WAS STOLEN, THEY OBVIOUSLY DID NOT CHECK ID. I HAVE CALLED, EMAILED, WRITTEN LETTERS, ALL TO NO AVAIL. They even charged me late charges for nonpayment of the amount -- -I am so frustrated. The fraudulent charges were all made within 24 hours or so of the card being stolen and my reporting. I have a file XXXX of communications from AMEX and still no solution to this incredible instance. Please tell me what to do. thank you very much. XXXX XXXX

Company response to consumer: Closed with monetary relief