vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I have attached documentation regarding the identity theft directly from XXXX XXXX which includes a contact number that any third party may call to validate my claim of identity theft. I have also attached documentation from another collection agency that investigated my claim of identity theft and found that identity theft did indeed happen and deleted the account from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Vinson Mortgage Services, Inc.
State: IL

Complaint narrative:
In XXXX of 2016, I was the real estate XXXX representing a couple trying to buy their first home. That had already been working with XXXX XXXX of Vinson Mortgage at the time, and as the transaction continued, his behavior became more and more hostile and unprofessional to everyone else involved in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I leased a XXXX XXXX in XXXX XXXX for my daughter from Chrysler Capital. Recently she was relocated by her employer and no longer needs the car. I have found a third party ready and willing to make the lease payments and use the car for the remaining 26 months of the lease. My lease with Chrysler Capital is very clear that they will permit a sublease unless they believe in good faith that the sublease will jeopardize their rights or increase their risk. Under the Sublease, I would continue to be Chrysler Capital 's lessee and hence, Chrysler Capital 's risk is unchanged and their rights are unaffected. 

In several phone discussions with Chrysler Capital, I got nowhere. They finally said that any such solution was not available with no further explanation. I wrote to Chrysler Capital on XXXX XXXX formally requesting their consent, they did n't respond. I have written to them again today. 

So instead of having a third party cover my remaining {$7500.00} of payments, I have the XXXX XXXX sitting in my driveway where it will remain for the next two years unless Chrysler Capital provides the consent. I will continue to make the payments but this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Inaccurate information being reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Neighborhood Title Loans I
State: TN

Complaint narrative:
On XXXX XXXX XXXX I applied for a {$600.00} Title Loan. I was told I would pay back {$730.00} which would include interest. I have not missed a payment and have even paid a few dollars extra. Then on XXXX XXXX XXXX I made {$140.00} payment and I have paid a total to date of {$590.00}. And, when asked about the new balance I was told it is now {$500.00}. That means if I pay it off in XXXX XXXX, I will be paying a total of {$1100.00} to have borrowed {$600.00}. And, if I do n't pay it off then, which I ca n't because I am XXXX on a fixed income, so there is no telling how much more interest I will have to pay. And, this is not the first time I have had to borrow money on my car, a XXXX Chevrolet Cavalier with them. Before they let me have {$2000.00} for the same car in XXXX XXXX. The time pay period before did n't last long because I paid them off with the money my deceased brother had left me and I still ended up broke, because the interest rate was so HIGH! Sometime we as XXXX need to take these loans out so we can do a few extra things before we leave this earth. But, why do they have to take advantage of us like this. We have worked hard all our lives and all we have now is a small Social Security retirement check. Please help us out. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
On XX/XX/2016, I received a letter from Kramer and Frank that states I owe {$100.00} to XXXX XXXX XXXX. I have not received a bill for this amount from XXXX XXXX XXXX, and they have not attempted to contact me about the amount owed. 

I have no problem paying the amount owed, but Kramer and Frank needs to send me an itemized bill of medical charges. Simply stating I owe {$100.00} to XXXX XXXX XXXX is n't enough to demonstrate that I owe this debt. Furthermore, I have attempted to match the unpaid amount to my XXXX XXXX XXXX XXXX XXXX claims, and there are no matching dollar amounts. In addition, once they have provided an itemized bill, proving I owe the amount stated in the letter, I am willing to pay the amount under the condition that they completely remove the collection item from my credit bureau reports, specifically because XXXX XXXX XXXX has not sent me a bill for this amount prior to placing the account for collection with Kramer and Frank. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
For nearly a year, I have been unable to access my FICO score online as promised by American Express. I contacted American Express several times during this time period, and after each call, I would check my FICO score online, and each time I would be unable to access my score. More recently, I made telephone calls to American Express at ( XXXX ) XXXX regarding this matter. The most recent of these telephone calls resulted in the following tickets being opened : ticket # XXXX opened on XXXX/XXXX/2016 and ticket # XXXX opened on XXXX/XXXX/2016. To date, XXXX/XXXX/2016, I am still unable to access my FICO score despite repeated calls to American Express customer service ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: NH

Complaint narrative:
I contacted CA on several occasions via certified returned receipt to validate the debt. The CA ignored my requests to verify but continue to report to CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Frequent calls at my place of employment and told them to not call my job as I could lose my job. They will not give me any information on why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I logged onto Midland Credit 's website to make payment arrangements. After logging in and choosing my payment plan it says that a payment MUST be made today to be able to take advantage of this offer. Wanted a credit card or checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: TX

Complaint narrative:
I 've requested Validation of the alleged debt owed and they only continue to send me the same canned response collection letters and collection letters in another language, looks like XXXX, which only tells me they are ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I referred a friend to apply the American Express ( AKA, AmEx ) XXXX credit card a couple of months ago. According to AmEx, I believe I should receive a XXXX points bonus for the referral. However I did not receive that. After contacting AmEx six times within three months about this issue, AmEx refused to honor this promotion. AmEx claimed my friend did not apply through my referral link. However, they did not provide any evidence besides their words. My friend called AmEx and told them she actually applied this card through the link in my email. As a result, AmEx have failed their obligation. I request AmEx to honor their promotion and post the points to my account. 
I am attaching my conversations with AmEx about this issue for your reference. 
Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Chat ID XXXX dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I went ahead and placed two payments on this prepaid card from XXXX. The first one was on XXXX XXXX 2015 for {$450.00}, and I have my receipt, and this was supposed to be credited to the American Express Serve card. The second deposit was on XXXX XXXX 2015 for {$350.00} and at this particular time XXXX XXXX 2015, that 's when we noticed that there was nothing in the account and the account was closed without our consent, and we do n't know whom, because these people hide behind the phone. They told me that they could n't speak to me about this account because it was closed. I asked them if it was closed, where did the money go? They would n't tell me where they were located. I filed two inquiries and have gotten no information. I filed a complaint with the FDIC and they stated that they could n't help me and said that you guys have jurisdiction over this issue.I do have the receipts to validate and verify the matter. They refused to refund my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I signed up for an American Express Platinum card with a XXXX Membership Rewards bonus after completing {$3000.00} in spending over the first three month. I completed the spend requirements and was awarded the bonus on XX/XX/XXXX, but the bonus was taken back on XX/XX/XXXX. No one at American Express will tell me why the bonus was was taken back. I feel as this is a bait-and-switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is a continuation of Complaint XXXX against American Express. Today, XXXX XXXX, I received a letter from AmEx dated XXXX XXXX, 2015 as follows : " Thank you for your inquiry concerning the {$290.00} refund check that was issued for the credit balance on your account. We processed a stop payment and issued a new check. 
" You may now choose to received your future Account Communications from us by e-mail. To set up this convenient option now, please visit your Profile & Preferences at americanexpress.com/XXXX and go to the Communication Preference tab. 
" Thank you for your Card Membership. 
" Sincerely, " American Express customer care. Dispute Reference XXXX '' Of course, there was no check included. What is going on with this company? I 'm at my wits end. Any help you can be, please, please, please. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland credit harassing phone calls night and day. Now, sending me a demand for payment for which I do not owe. They do not have a license to practice in the state of Massachusetts, as well as violating numerous illegal debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL

Complaint narrative:
Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Original debt for XXXX was paid in the year it occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On a recent trip I used my bluebird account to pay for the hotel. 
Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.

Company response to consumer: Closed with monetary relief