vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation
State: CA

Complaint narrative:
I am writing regarding several bills that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. This matter impacts both myself and my husband, XXXX XXXX, as we both visited XXXX XXXX 's office on five ( 5 ) total occasions between XXXX - XXXX 2015. 

At the time of each of our visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a Tier XXXX Preferred provider under XXXX XXXX 's policy, clearly documented by a screenshot of XXXX XXXX 's website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit and submitted the difference to collections. 

I have contacted XXXX XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with a representative there as recently as this month, who confirmed this again and stated that XXXX XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing in XXXX 2015 that there was no basis on which to submit this matter to collections, and repeated that assertion this week. However, XXXX XXXX 's office still submitted the bills to collections, where they remain. 

The dates of the visits in question are as follows : XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 Per this documentation, we have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. We have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence to obtain accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 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:
Midland Funding , LLC is reporting alleged debts of {$3200.00} ( Acct # XXXX ) on my credit reports without any standing & in violation of the Texas Finance Code/Section 392. Their reporting is harming my credit reputation. Their actions are also in violation of the Texas Deceptive Trade Practices Act, actionable by triple damages. I have sent them the required 60 notice to cure per DTPA statutes and I intend to pursue a claim against their XXXX bond on file with the state of Texas. There is roughly 30 days left on the 60 day notice to cure. In addition, Midland is in violation of the Consumer Financial Protection Act of XX/XX/XXXX ( Administrative Proceeding File # XXXX ), as there is a standing consent order since XX/XX/XXXX. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I get numerous calls per day from midland credit management. No one will be on the call. If I make a payment they do not update the due date and continue the calls. I am receiving hundreds of phone calls a month I will n glad to provide cell phone records to detail the extent of the harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I received a notice from XXXX that a new account has been added. A company called transworld systems has put a XXXX debt on my credit. I 've never heard of them. I called them and informed them the debt was not mine. This company has NEVER contacted me in any way. On my report it says this account was opened in XXXX 2016. The listed creditor is not on my credit report anywhere. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now. 

I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough. 

Thanks for viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: CA

Complaint narrative:
I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I suffer from XXXX XXXX XXXX. I obtained an XXXX system from XXXX XXXX to assist with my physical therapy. XXXX assured me that it obtained all necessary approval from my insurer and that it was fully covered under my policy and that I would not have to pay out of pocket. I was previously pre-approved by my insurer for another provider, but used XXXX 's services based on their assurance that this necessary medical equipment was pre-approved by my insurer, as well as the fact that they told me the other provider ( who was pre-approved as a provider by my insurer, thus i would not have to pay out of pocket ) could no longer perform the fitting of the brace because it no longer had an orthotist. However, XXXX never obtained the pre-approval and later sent me a bill for {$7300.00}, and I am not sure whether or not it is true that the other provider did not have an orthotist at that time ( I trusted XXXX at the time ). 
I disputed the debt based on XXXX 's prior assurances and representations, but XXXX failed to respond and sent it to a collection agency. I am disputing this debt with the collection agency as well. XXXX is claiming I owe them money, but I do not based on XXXX 's actions, false representations, and unfair dealing with me. I uploaded a timeline and better explanation of all of the events.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had a credit card debt of XXXX. I went through a difficult financial period, losing my job and almost losing a home, because of hurricane damage. I was displaced for a period of time. I tried to negotiate a payment that I could afford and was unsuccessful. Midland credit bought my account. It is now well over {$18000.00}. I have to make $ XXXX/month payments, which I can not afford. I am the head of household with XXXX children to support. I live on my own and now have suffered mechanical failure of my vehicle. As a result of this account with XXXX, I have difficulty being approved for a loan. I can not buy a home with bad credit. My rent keeps going up every year and it is difficult for me to make ends meet. I am divorced and receive only XXXX/month for child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Third party collection agency has been harassing me for years over a dept. They came to my home and threw paperwork into the doorway when anyone answered the door. They garnished my bank account taking {$17.00} of my last {$20.00} ~ all the money I had to my name. I finally contacted them and worked out a payment plan, they were not flexible on the amount and insisted on {$100.00} a month ~ the only way I was able to do this was to stop filling one of my prescriptions. I paid off the entire balance of the principle ~ informed them in writing that my dept was paid in full. Now they are coming after me for there fees & fines and again threatening to garnish me. The harassment has gone over the top ~ it 's unfair and needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/XXXXRe : American Express DisputeDear Madam or Sir, I am writing to provide you details about a credit card dispute I am having with American Express about an unauthorized charge made to my account XXXX by XXXX XXXX, XXXX. I am disputing the full charge, {$330.00}, made to my account by this merchant on XXXX. Additionally, I am disputing the foreign transaction charge made to my account by American Express. What follows is the sequence of events relating to these charges : XXXX : I booked a vacation to XXXX XXXX, XXXX XXXX, on my American Express account XXXX, paying for XXXX plane tickets at {$820.00} each and for XXXX down payment to the resort of {$270.00}. The balance of the vacation was to be paid for on my arrival at the resort on XXXX. I authorized no other charges. 
XX/XX/XXXX : American Express allowed my account XXXX to be charged {$330.00} ( plus associated foreign transaction charge ) for an unauthorized transaction by an unauthorized merchant from a third-world country. 
XX/XX/XXXX : I arrived in XXXX XXXX, XXXX XXXX, and paid the resort for the full balance of my trip, not including the {$330.00} charge ( of which I was not aware ), using my XXXX account XXXX ( documentation provided to American Express through website upload ). 
XXXX : I discovered the {$330.00} charge on my card and, not recognizing the charge, immediately filed Dispute XXXX. 
XX/XX/XXXX : I received notification from American Express that the charge was related to my vacation and that my dispute had been closed. I then filed Dispute XXXX, suggesting that the charge was not authorized and providing documentation from American Express and XXXX that I had paid for the trip in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. 
XX/XX/XXXX : I received notification from American Express that the charge would stand, and that I should attempt to work with the merchant to resolve it, thus I filed Dispute XXXX. 
XX/XX/XXXX : I found on American Express ' website that all but {$100.00} of the charge would stand. I was not even sent notice ; instead, I had to call American Express to find this out, at which time I opened a XXXX dispute. 

The XX/XX/XXXX, charge of {$330.00} was not authorized and thus constitutes a theft from me facilitated by American Express. I paid for my stay at the resort in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. The {$330.00} was an amount charged to my account above and beyond what I agreed to pay for the vacation. American Express allowed the charge in error and must resolve this issue with the merchant immediately. I have spent more than XXXX hours of my time trying to resolve this issue with American Express, talking with several of its representatives on the phone, providing multiple documents through its website, etc. I am thus asking for your help to resolve this issue. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XXXX/XXXX/15, I noticed a pending charge on my American Express card that I did not make. AMEX gives the consumer the option to 'mark ' a pending charge to be watched. My note indicated that the charge was fraudulent. Once it posted, I again, contacted AMEX to tell them about the fraudulent charge. They told me that I was n't responsible for the charge. I spoke to another person in the fraud department earlier this week, who assured me that once my billing period closed, the charge would be removed. Not only did they not do as they said they would do, but I just received my XXXX statement and the charge is still there. AMEX refuses to listen to the consumer and is deceptively telling them they are n't responsible for the charges. Because this charge is for a merchant that many people do business with ( XXXX ), many people may overlook it when someone fraudulently compromises their credit card. 

AMEX uses unfair and deceptive practices when they REFUSE to remove a charge that the consumer says is fraudulent. I 've marked the charge for inquiry, disputed the charge, all to no avail. I 've even told them I would file this complaint if they did n't remove the charge. They are either incompetent or are so arrogant to think the consumer is an idiot and will just pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
We were told during the transactions ( we called the AMEX representative and made the transactions over the phone ) that there would be no foreign transaction fees. XXXX XXXX of the chairman 's office said these fees would be removed as the AMEX mistakenly told us there would be no fees. XXXX told us they would be removed nearly a month ago and that has not occurred ). We ask that the entire charges be removed but if AMEX is n't willing to correct the larger error of the entire charge resulting from their miscommunication then at least remove the charges that you agreed to. 
I expect answers to be provided through this system and not via separate mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Have an account with American express. And had a balance of XXXX dollars and I pay my bill on time XXXX month did not receive a bill and called to pay them over the phone I gave them my card number over the phone and they said okay and gave me a confirmation number I never saw the money come out of my account so I called them and they said the number was invalid and looks like I left out a number or they did n't get all of it. I then paid the bill with right number they then said everything was fine the next month they lowered my balance from XXXX to XXXX and I called to find out why and they put me on hold everymonth I called no one gave me any help now they sent me a letter saying they are canceling the card I was never late and the most on the card was XXXX my credit is a XXXX and they just broomed me on the rug instead of taking care of a customer who gets there card closed for paying on time and paying more than the amount wanted the worst card ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services
State: NJ

Complaint narrative:
BYL Management Services LLC submitted XXXX collection notices to my XXXX credit report regarding bills from XXXX XXXX XXXX sometime between XXXX/XXXX/2015 and XXXX/XXXX/2015. This was after a representative from the NJ XXXX XXXX had contacted XXXX and informed them that they would be paying any outstanding debt on my family 's behalf after their meeting on XXXX/XXXX/2015. I ( 1 ) had never received a bill from XXXX showing this balance, ( 2 ) show a XXXX balance when I access their website and ( 3 ) never received notice from BYL XXXX XXXX stating that I owed them any type of debt prior to them placing a collection account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation