vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 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: CT

Complaint narrative:
My brother, who happens to be a XXXX in XXXX, received a call from Midland Financial LLC telling him I owed {$1500.00}, then asked for any and all addresses I may be found and finally for my ENTIRE social security number. This was followed by a court date which I could not attend because they sent the relevant documents to an address associated with my house which has been inactive for 75 years. I find this to be highly illegal and I will pay, but I want them to be restricted from these tactics in the future. 
To be completely straight-forward, my brother told me to consider them a scam and ask a more qualified attorney, who also told me to ignore them. If I had known back then who they were I probably would proceeded with legal recourse immediately, though they presented themselves in such a way as to trick me into believing they were illegitimate when in fact they restricted my ability to fix the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account. 

I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore. 

They have also started calling and harrassing my wife today. 

Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation
State: TX

Complaint narrative:
I was a student at XXXX XXXX XXXX and enrolled in their XXXX program. XXXX convinced me to take out a personal loan in order to pay for the remaining balance of my tuition. Due to the fact that XXXX closed their business down in was unable to finish my program and obtain my education and certification which makes them in breach of contract to me. I do not owe money because at no fault of my own, I did not receive the education I was paying for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
asset acceptance llc had a police officer come to my house to take my vehicle or pay $ XXXX.for a dept that was from 2001, they said it was for a XXXX, i then told the officer i had the money and to contact asset acceptance to make sure this was all i owed, asset acceptance said there were XXXX case numbers but if i paid the full amount $ XXXX.that would take care of both case numbers.two weeks later i recieved satisfied judgements for both case numbers just like they said.well a couple of months later i recieved a notice that they made a error and that XXXX satisfied judgement was no good.they never answer my questions about what dept is owed on each case number, ive had an attorney write a letter asking for varifacation of dept with no responce.please help ... ..they are still taking my state income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Received a letter from the Debt Collector, Midland Credit Management , Inc. stating I needed to contact them to work out arrangements before suing me by XXXX/XXXX/2016. There letter states that they would work with me on payments that were flexible and affordable for me. I called them. The guy on the phone was rude and refused any payments I offered or any plans I offered to pay which I am unemployed and unable to work. I was told if I did not pay what they were wanting that they will sue me. They threatened me and refused to work with me even though their letter stated otherwise and I was offering to pay {$20.00} a month on {$1000.00}, which is all I could afford being unemployed. They did n't offer any assistance or anything and said they will pursue with contacting a lawyer and suing me even though I called before the date they asked and tried to work out something affordable/flexible for me. They REFUSED anything I offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. XXXX XXXX representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I initiated XXXX balance transfers with American Express. Money was successfully transferred to one bank ( XXXX ), but the second transfer was unsuccessful ( XXXX ). American Express transferred {$1000.00} to XXXX and these funds never posted to my XXXX XXXX credit card. I have waited and waited, and inquired continuously about the funds. Each day, I am told ( by AMEX ) that the check has cleared and XXXX is responsible for the missing money. 

Since AMEX insists that the check cleared on XXXX XXXX, I drove to a XXXX branch thinking I 'd be able to clear up the misunderstanding in person. The problem was still not resolved, as XXXX insisted that all they could do was call their " credit card department '' and inquire. On that day, XXXX said that they do not accept electronic transfers and that they are not holding the money. I phoned AMEX with the new information, but nothing happened. In fact, they 've claimed on two different occasions that they would open an investigation and have not followed through. After supposedly opening the last " investigation '' or trace, I was told that there would be no further investigation because the check was showing in the system as cleared. With each call, however, no one can find any disputes or open investigations on my account. Please note that they have also disabled the " online dispute '' feature for this issue as well. After nearly a month of this back and forth, getting transferred from one department to another, and hung up on, I have decided to file this complaint. 

I have called XXXX and American Express everyday with no resolve. I have asked AMEX to confirm receipt of the check by communicating with XXXX. They insist that the receipt is the fact that the check cleared. As well, I have asked XXXX why they have n't notified AMEX, with regards to not accepting this particular electronic transfer. They insist that I must ask AMEX to trace the funds with their bill pay department. After repeated calls to both companies and no help, I would like to hire an attorney. I am beyond frustrated. Unfortunately, I am caught in the middle of two corporations that rely solely on computers and foreign call centers for all their work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an email how about Friday night XXXX XXXX 2015 the email was from american expres serve in the email it was just plain mean that my account was being closed and the reason why they told me my account was going to be close was because I was in violationin violation of section XXXX XXXX XXXX XXXX XXXX XXXX Bank Account and XXXX XXXX XXXX XXXX credit card, XXXX ( XXXX ) debit card or debit/payroll card issued in your name. We reserve the right, in our sole discretion at any time, to limit or change the number or type of Payment Funding Sources an individual may link to an Account. You may not load funds to your Account from any source that we do not expressly permit in this Agreement. In the event you link or add funds from a Payment Funding Source that is not in compliance with these terms, we reserve the right in our sole discretion to limit, block, or place a hold on certain transactions or transfers and/or close your Account. ) now my account from XXXX XXXX XXXX a week earlier I provided them the statement which indeed prove that I was the owner of the XXXX XXXX XXXX account I will be providing also that statemen that I submitted to them so you guys will be able to see it as wellwhen when I got in contact with american expres sure they really were very rude not listening to what I had to say they just said we 're going to close up your account in the sad andthe funds the funds approximately equal in to almost {$20000.00} in that account I told him that I gave they were going to close my account that I needed the money ASAP they told me no they told me they were going to keep the money and that was thatnow if they do n't want to do business with me I do n't really it does n't really matter to me I just need my money to be distribute out to me as XXXX have bills to I rent to pay I have bills to pay they have been waiting for so long that I could lose a lot by not having those funds so he could please help me out with this I will highly appreciate that and american expres pretty much contradicted yourself because I mean they 're saying that I was in violation of XXXX XXXX I mean I was in no violation because the account is mine so I do not understand why they took that decision

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I reported in XX/XX/XXXX a name change to all XXXX credit bureu, I went back to my maiden name. today is XX/XX/XXXX and on XXXX of the credit bureu my name is still wrong. I have not financed nothing since XX/XX/XXXX. Yet I have found numerous Items finaced in XX/XX/XXXX and later when I went to refinance my house this year. So we put a fraud alert on file. XXXX months later nothing has changed ... credit bureu 's have done nothing to take off the old reports or to fix the problems yet i 've sent documents, copys of dl # divorce doc ... this is crazy! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/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 MIDLAND FUNDING or any company associate with this account # XXXX, 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 : MIDLAND FUNDING 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 SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit filed a docket on me at the XXXX Couty court house in XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 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: GA

Complaint narrative:
a representative of Midland credit management at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by XXXX XXXX the representative advised XXXX XXXX that XXXX XXXX is reporting it and so are they. My next step will to seek legal counsel regarding the practices of Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding is reporting an account settled with with creditor and the creditor removed from my credit report. The last payment is over the 7 year required for removal on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been an American Express business cardholder member since XXXX. Both my personal name and business name appear on the card. I used the Amex to make XXXX recent transactions to my business via XXXX. The first transaction {$3000.00} was placed on XXXX XXXX, 2017 and the 2nd transaction of {$5000.00} was placed on XXXX XXXX, 2017. On the evening of XXXX XXXX, I received an email stating " Notice of Account Cancellation ''. I spoke to an Account Rep at Amex and was informed that this was done automatically through a computer for suspicious activity and that the account is 'Closed ' and there is 'No Way ' to reopen, with no remedy offered for reactivation. There was never an attempt to contact me via phone, text or email - prior to cancellation! There was not a denial of charges, charges went through and therefore, I was unaware of ANY issues, regarding these transactions. The aforementioned charges now appear on my Amex for repayment. How can they be an illegitimate charge and I/my company still be required to pay them? And, if legitimate, how could this warrant American Express to cancel '?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for an American Express Everyday Preferred credit card in XXXX 2016. The sign-up bonus as was shown on their website was XXXX Membership Reward points. Upon fulfilling the requirements of the bonus, I noticed I only credited XXXX points. 

Despite a screenshot that proves I was shown this XXXX point offer, I have been forced to contact American Express repeatedly about my issue. Each representative I speak to knows very little about my issue. In XXXX phone call, the Amex representative was unable to locate any case opened for me. In another call, I was informed that the Amex back-office did not work on my case, as they promised, and had no information to give me. 

Most recently, I was told by American Express that they were unable to verify that I was given this offer. I been forced to open a case with the CFPB as it is becoming clear my internal case is not being handled properly. 

I would like to be credited the remaining XXXX points and will attempt to attach a copy of this offer to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
What is going on? American Express told me my accounts will be reopened after payment. They closed my accounts down for financial review during the most difficult time of my parents XXXX. Then I was told if I make the payments in full for the Charge cards my cards would be reopened. After now a couple weeks it has yet to have a status change. Please reopen my cards as I had responsible timely payments in full for 5 years+ with American Express and I feel I am being bullied into submission here.

Company response to consumer: Closed with explanation