vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 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: CA

Complaint narrative:
I was a student of XXXX College XXXX XXXX, XXXX, California before its closure on the XXXX of XXXX, 2015. During the course of my stay at XXXX XXXX Loans were obtained. I have been paying the monthly bills up to XXXX, 2015. 
I received a letter from University Accounting Service, LLC of the transfer of the loans, however not all the loans. Please, assist me in this situation. Are all the XXXX Loans in the Loan forbearance? Do I still continue to pay the required bills? Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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: GA

Complaint narrative:
Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Bluebird debt card is refusing to transfer Close bluebird I kill my {$170.00} into my open bluebird account I have called a number of times and it still sitting in the closed account all do too sprints cell phone service criminal activity. After 5 1/2 months and telling to go executive supervisor at XXXX cell phone service that that card is been closed they still sent that to the close the bluebird account. I will either have to file a federal lawsuit against the Bluebird if I do n't get satisfaction in 24 hours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am receiving repeated calls from someone at a collection agency on behalf of American Express. They have contacted me repeatedly about a debt that belongs to my father. They always begin the call by stating that I am not responsible. They then proceed to ask me a series of questions about my father, his intentions to pay, and when and how they can speak to him. This has been going on for months. I have repeatedly requested that this man, and I believe that it is the same individual, stop contact me at my mobile number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I noticed a charge for {$170.00} on my american express bluebird card from my health club. I went to the health club and the manager said the charge was a mistake and was based on some old paperwork that had a one time payment on the bluebird card. The manager refunded my money and gave me a receipt for the refund. American Express however will not release the funds, which I desperately need today to pay my electric bill, for 8 days. I did n't do anything to incurr this charge and I promptly addressed it when I became aware of it. American Express Bluebird however refuses to help me or even give me an email contact where I can describe the issue. It appears that American Express Bluebird Cards are being marketed as an alternative to banking when it is not. The money in a bluebird account is not secure and any merchant mistake can cause the consumer to lose all access to their money for 8 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland Funding LLC XXXX XXXX XXXX XXXX Took an account that was charged of in XX/XX/XXXX and re-aged the account to XX/XX/XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sarma
State: TX

Complaint narrative:
The company is aware of my dispute yet has not updated on my credit report that the account is disputed which is a direct violation of the FCRA. They also can not provide me verification of debt as I have requested. My social is XXXX date of birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I received in the mail yesterday, XXXX a statement, which looked like junk mail. I give the junk mail to my niece to play with. When cleaning up after her, I caught a glimpse of this paper from Midland Credit Management ... saying they are a debt collector and I have to XX/XX/2016 to pay off this debt or legal action will take place. Its states, Original Creditor XXXX XXXX I called XXXX XXXX and was told my account was written off 5 years ago and I owe XXXX XXXX. They stated it could have been sold to a third party. I received a called from my niece 's grand mother XXXX years old, two weeks ago stating someone had been calling her home looking for me ... I do n't even now this lady very well or never used her or her family as a reference ... had to instructed her not to give any information out ... why would you harassed an XXXX year old woman. Apparently they did file a suit in another state against me without my knowledge. There has been zero contact with this company except for this junk mail letter ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In the process of reviewing my credit report and taking care of any old debt, I have tried multiple times to resolve an old account with Midland Credit Management originally held by XXXX Bank ( XXXX ) from 4 years ago. I never received specific merchandise ordered or it was either lost/stolen. I requested that the lost merchandise be removed from my account. It was not. I have never received acknowledgement for a credit. Instead, the account was written off by XXXX XXXX now Bluestem ) and transferred to XXXX, who continued to bill for the merchandise and charge interest even though I requested a credit in 2013. I once again disputed the amount owed and tried to resolve the matter. Once I contacted them, XXXX began contacting me at my employer with letters and calls despite my requests to stop. They also continue to ignore my request to provide a full accounting of merchandise ordered. The only thing I receive is an invoice with an amount due. I am already in a class action suit for XXXX 's poor collection practices. I believe the continued barrage of calls and letters is because any settlement monies I receive, XXXX go to amounts XXXX claims I owe, which I dispute. I work for a law firm, so the continued letters and calls caused an issue with my employer. After continued requests to remove the amount billed for the unreceived merchandise, I am now receiving a barrage of letters to my home, and still no response to my dispute or any offer to settle the matter I have also attempted to resolve direct with XXXX, who refers me back to XXXX XXXX. XXXX 's collection practice, I believe is a violation of fair debt. I want to resolve this matter, but have been unsuccessful and the charges continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX- XXXX {$270.00} Jefferson Capital Systems- XXXX XXXX {$620.00} XXXX. Preserve at XXXX XXXX {$5100.00} Those Account does not belong to me has to be removed from my. XXXX CREDIT REPORT. Someone used my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: NY

Complaint narrative:
My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 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: WA

Complaint narrative:
On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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:
For some time now, Midland Funding , LLC has been reporting XXXX accounts to the various consumer credit reporting agencies as past-due or in collection. The XXXX account shows XXXX XXXX as the original creditor, account number XXXX ( partial ) and the other shows XXXX XXXX XXXX ( account XXXX ). 

I have sent several dispute letters to Midland Funding at the address they report on their XXXX and XXXX tradelines, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I have not received any response to my inquiries or disputes. I believe I now know why -- apparently the address they list for themselves in their reports to the credit bureaus is n't even their real address. I recently received my last piece of correspondence stamped " RETURN TO SENDER -- UNDELIVERABLE AS ADDRESSED. '' As of XXXX XXXX, 2016, Midland still shows ( I checked ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as their address on both their XXXX and XXXX reporting. 

While I 'm not an expert on consumer-protection law, I do know that debt collectors like Midland are required to report and communicate only accurate information, and I would think this includes things like their own address. Further, I think this buttresses my point that if Midland ca n't so much as report their own address correctly to the credit bureaus, the data about individual accounts and debts is likely to be wrong as well. In my particular case, the amount showing as supposedly owed to XXXX XXXX is more than double what the original creditor had showed. I also have no clue what the XXXX XXXX XXXX debt relates to. 

I would like for any response to be in writing only, so there will be record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I have repeatedly tried to connect XXXX XXXX and their debt collectors who wrongfully keep charging me for a bill that XXXX claims is NOT billable to me. Their collection agency Armor continued to bill me and harass me at home and my workplace for over a YEAR. Finally it seemed to be settled as I quit receiving the bills but my credit is marked and ruined by this. I want this taken off my credit report at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Since XXXX was canceled XXXX XXXX XXXX by XXXX, GA XXXX. XXXX XXXX XXXX company ; for most XXXX XXXX, continues to charge my American Express Credit Account with American Express ( AMEX ) permission. American Express has ignored & declined my requests to stop XXXX XXXX deduction from my account. $ XXXX Monthly Deductions starting XXXX XXXX XXXX, were increased to {$10.00} Monthly deductions starting on XXXX XXXX XXXX ( without authorization ). 
AMEX Account was charged {$29.00} for XXXX Transfer Fee denied by the XXXX, AZ location, anct of FRAUD by XXXX XXXX. As of XXXX XXXX to XXXX XXXX XXXX has charged my AMEX account {$270.00} with American Express Permission, ignoring & denying my request to stop XXXX XXXX Deductions from AMEX account. XXXX XXXX Payment is coming. 
AMEX no longer allows Customer to file complaints on the AMEX website ( due numerous complaints being filed against AMEX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express sent me an invitation to apply for a XXXX charge card that included an inducement of XXXX Membership Rewards points if I applied by a certain date last XXXX. When I called in ( timely ) to apply, the representative opened the offer on his screen but at some point his system froze. He had to transfer me to another agent who regretfully informed me that after the offer is " opened '' on a system, it can not be opened on another system. AMEX then tried to pull a bait-and-switch on me in order to get me to apply for the same card with the same fee but this time with only XXXX Membership Rewards points. Despite calling several times to rectify the problem and having solid documentation, AMEX has been unable to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed this debt with equifax because I do not owe anything to Midland Management LLC for a XXXX Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to Asset Acceptance/XXXX and cashing it on this account for XXXX XXXX. They have now reported to equifax that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
When I opened my checking account online with HSBC it was advertised that I should get {$50.00} bonus for making a direct deposit to the account. I made direct deposit of {$500.00} on XXXX/XXXX/14, but I have never received {$50.00} direct deposit bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.

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

Complaint narrative:
Hello, I make regular payments to my student loan. The loan was originally made through XXXX, but has since been bought by MOHELA. All payments I make to MOHELA, whether they are over the amount due or in advance of the due date, are applied to interest in their entirety. Not XXXX is applied to the outstanding principal balance. I have attached a statement for reference. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Amex put me on a payment plan using ACH withdrawal from my checking account for {$230.00} a month and they have already taken out XXXX 's payment. This morning I got a call from their collections department saying they have no record of that payment plant and that I owed them approx {$2400.00} immediately. The conversation became heated and resulted with me hanging up the phone after they continued to state they had no idea what I was talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied and was approved for an XXXX XXXX credit card, but the company failed to honor the solicited promotion. The company offered a bonus membership points reward to new members who spend {$1000.00} or more with in the first 92 days of the membership. Before I applied for the card, I called the company and asked them specifically about how to qualify for the award, and I was told that all I have to do is to make {$1000.00} on my account within the first XXXX days of the membership. The company did not tell me that a transaction on the XXXX day would not be applied to {$1000.00}. Then, I applied for the card online after relying on what the representative told me over the phone. During the first XXXX days, I have made in the total of {$15000.00} on my account which is more than {$1000.00} miminum to qualify for the bonus. Later, I spoke with the representative on a recorded line and she said that a transaction on the 92nd day would not count toward {$1000.00} minimum because that transaction would not be posted on the account on the same day. Therefore, I will not be qualified for bonus membership reward for new customer/card member as originally advertised and solicited. The company did not make it clear in the first place about the transaction on the last offering day. I applied for the card because I wanted to get new customer bonus points. I did everything as the representative said, and I should get the bonus but the company said no because the transaction that I made on the XXXX will not count toward the {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have received several notices on a debt collection in my wife 's name. The name is incorrect and we have no record of the service for which this debt claims. I have written several times to the collector and they refused to disclose any information on the debt to me. I have written and telephoned the company multiple times with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened an American Express business card for a company I worked for. I was asked for certain information over the telephone like my SSN and I had admittedly asked the rep was my credit being pulled or was the credit going to use my credit I was told " No ''. I said perfect because this is not my card it is intended to be a business and I did not agree to have my credit touched. I filed a consumer complaint a year ago because of the terms of the card. I was told XXXX thing and the company received different terms then what was told to me. I did not know my credit was linked to this card until I receive a IRS document saying I have to claim income because the company had settled the card amount with American Express. I would like to file a formal complaint on my own behalf because I was lied to and I have tried to get American Express to fix their mistake. I found out it was on my credit report also. I called american express to get it removed from my credit. I never given permission to use or look up my credit. At this point, I believe this is considered to be fraud committed by XXXX of American Express employees. I have only received a phone call to say the company apologizes for the inconvenience and that the rep would be retrained and that was a year ago. After the managers reviewed all calls. My personal information was used and taken without my permission and I would like for the company to fix this problem. I have been denied credit, I have received higher interest rate for items I have purchased due to American Express not completely fixing the problem. When I received the phone call to apologize I had no idea that the card was used under my SSN. I only found out after I was denied credit. I tried to call and have it taken off now everyone at American Express states they have no information about my card other than it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I received a notice from a collection agency regarding a medical bill, but never received a medical bill from the hospital.

Company response to consumer: Closed with explanation