vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-02 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: TN

Complaint narrative:
my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, midland funding took over a credit debt back in 2008 and we went to court and midland funding told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm XXXX hired by midland funding has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I suspended auto-pay on my AMEX account and the notification I received confirming this on XXXX/XXXX/15 gave no indication that this was only for three months. Today, I received a notice that payment was processed through auto-pay to my checking account for an existing balance of {$5600.00}. When I logged into my account earlier in the week, there was no indication that any payment was scheduled or pending as it still is prompting me to make a minimum contribution by XX/XX/XXXX. When I contacted AMEX today, they said that they had my written consent from before and they unfortunately could not cancel the transaction because it had been processed. They reactivated auto-pay without any warning to the amount or what checking account would be debited. All of my recent transactions have been scheduled as one off contributions towards the middle of the month for amounts no more than {$2000.00}. When I suspended auto-pay years ago through AMEX, they clearly indicated in the e-mail that this was only for a three month window. Their notice this time had no such limitation and instead they have changed their website and communication such that key terms are not explicit to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all XXXX of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 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: NJ

Complaint narrative:
Midland Credit Management of XXXX XXXX, California, falsely claims that I owe it money. I do not. Furthermore, it falsely claims that at some point I owed XXXX {$280.00}. I have not and do not owe this money to XXXX. ( Please note that an address in XXXX XXXX appears on Midland 's demand letter, while a XXXX XXXX address appears on a payment envelope they sent to me. See copies of each herewith attached. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express deceptively gave me a financial review even though originally they just did a credit line decrease on XXXX of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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 had an account with XXXX XXXX XXXX, Midlund Funding purchased it as a past due account. They took me to the local magistrate for payment. They were awarded just over {$1100.00}, not the {$1500.00} that they state I owe. I have repeatedly asked them to correct this amount. They filed paperwork at XXXX County Pa stating that I owe {$1500.00}. The courthouse will not correct it without Midlund Funding correcting it. I need this corrected and removed from my credit report as incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30 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:
A Credit Card with XXXX showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to Midland Funding LLC and is now showing up on my credit report as both XXXX and Midland Funding LLC. The credit report is showing the last payment made to XXXX was back in XXXX of 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 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:
I paid my bill to University XXXX New Mexico XXXX XXXX XXXX through my bank checking acct at XXXX XXXX Bank on XXXX XXXX, 2015. They kept sending bills even though I sent bank information twice. Now I am in receipt of a collection letter from Transworld Systems Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX skymiles card never refund me the money I over paid, and they cheated and held my money for 4 months saying they have sent me the check. I requested 3 times for the refund check and still have n't seen it!!!!!!!!! 
I have lived at my current address for 1 year now and never have a single problem with receiving mails or anything!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. 
Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. 

They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. 
I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. 
If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? 
My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? 
My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. 
With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 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: PA

Complaint narrative:
They contacted my son at work twice on his phone even after he told them, that was n't his number and he was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Funding LLC bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX, XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. Midland Funding LLC added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of Midland Funding LLC about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Trans world systems collection agency called my place of employment and asked for my name. They ask me if I was the person the were looking for and presented me with an unknown date of birth and social security number. When I told them that I was not that person, they ask for HR. 

I told them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Asset Acceptance bought a supposed old debt of mine that is way past the 7 years from date of last activity/payment. They continue to report this debt to XXXX that they purchased from XXXX Bank in clear violation of the FCRA. I have disputed with XXXX and it always comes back " verified ''. When I inquire with XXXX " what method they used to verify '' they do not respond. This is another clear violation of the FCRA by XXXX. I am ready to file litigation against Asset Acceptance and XXXX if this account is not removed right away. I will also file complaints with the XXXX, State Attorney General and anyone else that will assist me in righting this wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have received repeated ( daily ) calls from Midland Credit Management , Inc . They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for a American Express Add on card. I was denied and was told due to non payment from the year XXXX. I filed a personal bankruptcy in XXXX and was discharged. After 16 years and good credit american express will not issue this add on card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX/XXXX/15 purchased an American Express Bluebird debit card at XXXX, XXXX CA loaded it $ XXXX called to cancel card, requested a XXXX card was finally processed and mailed ( that is what I as told ) XXXX contacted XXXX several times to find out where my check for r efund was. 
I suggested that the financial institute who issued the check be notified and get status from them. 
Called back XXXX/XXXX/15 check was returned ( they had sent to my physical address, I live in rural area we pick up mail at XXXX XXXX XXXX 
XXXX refused to understand this. Spoke to XXXX who assured me they would sent to my XXXX due to the situation. She told me the check should go out within the new few days. I waited until XXXX/XXXX/15 sill no check, was XXXX around, left on hold for over 1 hr or more. Found out that the XXXX check mailed out as XXXX again mailed to my physical address. Why would you remail to an address that was not acceptable AGAIN, even after assuring me it would not be. I even offered another solution but was turned down. This is unacceptable, it was negligence, fraud, false advertising, deceit. The insert clearly states 10days to receive a refund. I am expected to wait another month? I have suffered XXXX stress due to incompetence of this company. I experienced financial loss, and personal loss as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, XXXX amex took my payment 2x. I have yet to receive a refund. 
New amex card, XXXX XXXX. 
XXXX XXXX, XXXX - became aware that auto pay was not setup. Made 2 payments to catch up. Spoke with Amex rep to clarify that this was a miscommunication on our part, auto-pay setup to pay on XXXX XXXX, XXXX. 
Setup Auto-pay XXXX XXXX - found autopay did not process on XXXX/XXXX/XXXX. Was required to make current payment PLUS schedule payment for next due date. 
Confirmed Auto-pay, again XXXX XXXX Scheduled payment processed PLUS autopay paid the amount due AGAIN. 
Used Amex chat to process refund of duplicate payment. They took banking info, to process electronic payment. Was told it could take until XX/XX/XXXX to process - which itself is outrageous. 
XXXX XXXX Called Amex customer support. Now told it will be refunded by XXXX XXXX. Escalated call to Supervisor - which was less than satisfying. Called back and asked to bypass Supervisor to speak with Manager. Was told a supervisor was as high as I could go by phone. 
XXXX XXXX - still no refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called Amex on XX/XX/XXXX to request a few extra days to pay my bill due XX/XX/2017. The representative was kind enough to give me a thirty day extension. I noticed on XX/XX/XXXX a late fee of {$38.00} was generated. I called Amex and explained that I had been given an extension and they credited the late fee. To my surprise on XX/XX/XXXX I was hit with a {$550.00} finance charge. I called Amex on XX/XX/XXXX and after first being told they could n't do anything a supervisor told me they would have to investigate the XX/XX/XXXX call and it would take XXXX business days. Five business days elapsed and I 've been told they have no timeline for resolution. Today I was hit with a {$230.00} charge that I was informed was a trailing interest charge from last month though I paid the balance in full on XX/XX/XXXX when it became obvious they had made an error with the grace period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
After filing my taxes I received return on a prepaid debit card with American Express serve and used it one time at an atm and my entire return was stolen from my account due to a card skimmer totaling {$1600.00}. I opened the dispute XXXX XXXX, 2016 and have been in contact with over XXXX XXXX and XXXX Supervisors that promised and assured me my tax refund back within two weeks BOTH times. As of today XXXX XXXX, 2016 I am now being told my card is now LOCKED AND I WILL NOT RECEIVE MY MONEY BACK! I have faxed them several documents including the affadavit of fraud, police report, news article and was hung up on and told several different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My credit card from XXXX XXXX was closed by the issuer. Reason stating my payment had be late multiple times since opening the card. This type of card generally has to be paid off when due each monthly. However I signed up for a feature in early XXXX that allowed purchases over {$100.00} to be amortize over time. I received an email on XX/XX/XXXX that advised my payment was late. I immediately called XXXX XXXX around XXXX XXXX, as I was in the airport on my way out of the country. I was told yes I was enrolled in the {$100.00} program, but it was not processed for XX/XX/XXXX. The agent advised he set it up for that month and I would not have any issues with future billing. He told me I only owed something like {$34.00} and I could pay it when I came back to the XXXX. I paid what was due on my next bill and planned to do the same amortize the charges over time. I was surprised to receive an email on XX/XX/XXXX advising my account was being cancelled. I immediately called XXXX XXXX and was told I was given incorrect information and there was nothing they could do at the time. They apologized and said the agent did not put notes in the file. At this time my account remains closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: FL

Complaint narrative:
The Florida Department XXXX is accusing me of working and collecting unemployment which is not correct. I was not employed at the time I was collecting unemployment. 

They have me as working with XXXX life insurance which is nor accurate. I am employed XXXX currently but that did not start until XXXX/XXXX/2015. 

When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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: KY

Complaint narrative:
my wife made a payment to midland co. in agreement to settle a debt, for a one time lump sum payment of approximately half the total amount of said amount by debt collector. Midland Co. they agreed to settle the debt for {$600.00} dollars, as a one time lump sum payment! My wife paid the agreed amount, then Midland did not Honor their agreement! They lied and continue to harass us daily!!!! Thank you for your time & consideration. RESPECTFULLY SUBMITTED XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express unexpectedly lowered my account limit from {$10000.00} to {$6200.00}. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his account today and found that, even though his balance was over {$8000.00} and he has only been making the minimum monthly payments, his credit limit had not decreased and had, in fact, been increased on a separate American Express card, on which he also carries a high balance and makes minimum monthly payments. As a female who makes more money than my former male counterpart, I am outraged that my credit limit was decreased, despite a lower balance and larger monthly payments. I believe this is a clear example of discrimination against females.

Company response to consumer: Closed with explanation