vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-24 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Law Offices of Michael Lupolover
State: OR

Complaint narrative:
I contacted the Law Office of Michael Lupolover because I was contacted by a debt collection agency that violated the FDCPA Law when contacting me. After 4 months of waiting to be contacted, XXXX contacted me with a settlement offer. He urged that I sign the settlement as quickly as possible. I advised him that there was information missing in the settlement. Which he assured me that it would me changed and to sign the XXXX settlement just so it could be filed. He lied to me about several things that were suppose to happen that never happened. He told me that the debt collection agency would no longer be able to contact me so they will be sending the debt back to its original creditor. 3 months later XXXX and XXXX XXXX, who claims he is Senior Attorney, keep telling me verbatim " the debt collector has already returned debt to the original creditor ''. This could n't be more false if it slapped you in the face. I called the original creditor 3 times and spoke with supervisors saying that it was n't returned. I called the debt of ed which has verified that the debt belongs to the same debt collection agency that harassed me! This debt collection agency also reported to my credit bureau which resulted in me getting denied on an application which the XXXX Lawfirm has has stated that they did not do! They came to a settlement amount of XXXX with the debt collection agency and I was only getting XXXX and they would keep for themselves?! XXXX Lawfirm was charging me XXXX for fees on an arbitrary number. This Lawfirm is worse than the debt collection agency that harassed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: MI

Complaint narrative:
I have been getting calls from the number ( XXXX ) XXXX at least 4 times a day consistantly for the last few weeks and it has gotten out of hand. The person on the other end stated they were calling on an account from XXXX XXXX I supposedly had for $ 800+ owed on the account. I 've never had a XXXX XXXX account personally. When I explained to them that I have never personally did business with XXXX XXXX, they asked me to provide my Social Security number to verify, and I proceeded to tell him that he will NOT be getting my personal information, and I was then hung up on. I tried answering a call from the same number a few days prior and when I picked up, they hung up on me. This needs to stop. I have no debts that are delinquent with anyone and am up to speed on all of our accounts we do business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/16, a sales rep from American Express came into my store and presented me with an offer of a credit card. Since my business very much depends on the XXXX season, I told him that the only card that would work for me would be one I could pay out monthly. He assured me that the card I would get would be what I needed. I got the card and proceeded to spend {$10000.00} on merchandise for my store. When the bill came, I noticed that the total amount was due, with no option for a minimum payment. I called the rep and he said, " Just call them and they will fix it, they do it all the time ''. So I did. Unfortunately, they did not fix it and told me they could not fix it or transfer my balance to a card that would be better suited for my business ; that a monthly payment was not an option for the card I had and too bad for me. Amex would not let me make payments online or with a check ; they insisted I give them my checking account number so they could take the money directly out of my account. I was uncomfortable with this, but felt I had no option if I did n't want to be reported to the credit bureaus. I called 3 or 4 times, but not until I mentioned your agency would they consider not taking {$2500.00} every Friday from my account ( which I did not have ). At that point, I spoke with a supervisor and she put my account on hold until XXXX, at which time I will have to pay close to {$5000.00} more ( I have already paid {$6000.00} ). I was lied to by the sales rep, even though he knew I would not be able to pay the bill until XXXX. I have not been able to pay my XXXX rent because of this deception and my landlord wants his money, too. I am afraid that if my XXXX sales are not what I expect, I will be evicted from the XXXX. I would never have gotten the Amex card had I known the stress it would cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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: PA

Complaint narrative:
Midland Funding attached a judgment/lien on my home. When doing a title search I discovered that the judgment was for my ex husband. I did not know anything about this. I was not notified this was on my title to my home. When I called Midland they said they could do nothing. They could not tell me anything because it was not in my name. They finally gave me the attorneys name but I got the same story. They also said they could not give legal advice when I asked why would his debt be on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company is trying to collect on a medical bill that was a result of a workplace injury. Our corporate office made called the debt collectors, paid the debt, and advised them that it was illegal to collect on workplace injury claims. However, this company has continued to report the debt to the credit bureaus even though they say they have no record of me ever having anything placed in collections with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: NH

Complaint narrative:
Mohela has all different charges, Why are they all different? I took XXXX courses at a time@XXXX for XXXX courses. XXXX course to make XXXX. Then I got a XXXX pell grant. That should be XXXX that I had left to pay. Since they say they are XXXX and they say ( charging late fees ) I have seen quite a few times the last few months. This late fee is usually done once a year at the end of the year. I would like to see where these charges came from, since XXXX was closed for taking student money. I was notified by another College that told me they were trying to contact anyone and cancel the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
My husband and I took out a 4 year loan back in XXXX with Benefical. We fell behind early on in our payments. In XXXX roughly we settled the loan. This is still reporting on our credit reports as a negative account. I contacted XXXX today because I disputed it and it came back verified. They told me that Beneficial reported our first late payment in XXXX XXXX so it would come off of the credit report until XXXX. Ive tried contacting the company with no response. This is absolutely obsurd! How could I make my first late payment in XXXX when it was a 4 year loan taken out in XXXX, According to XXXX they re-aged our account in XXXX so it would keep reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
My mother, XXXX XXXX, died on XXXX XXXX, 2011 and shortly after an electronic application for a credit card with American Express was submitted using her date of birth and the name XXXX XXXX. The address used was in XXXX, Massachusetts. I have not been able to obtain a copy of the electronic submission. I am the executor of the estate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 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: PA

Complaint narrative:
This company has been harassing me about a credit Card debt form XXXX XXXX Bank that is not mine. I 've asked them several times to verify that I owe this debt, and they have failed to do so. On my credit report it states that I owe XXXX under XXXX and under Midland funding who is the collection agency for XXXX it states that I owe {$800.00}. This is not my debt and this is unfair that they are harassing me about a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: FL

Complaint narrative:
I ask XXXX so many time to remove this account out my name because it was not me open it. And they deny since 2008 I have this account drag XXXX down my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Other financial service — Money order
Issue: Excessive fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
In XXXX, I purchased a {$60.00} MoneyGram money order. I set it aside and forgot about it until cleaning out some old files. When I took it back to the place of purchase in XXXX, I was told that they could not cash it since it was over a year old. The money order did not contain any expiration date on its face so I believe it is worth {$60.00}. 

I sent the money order to MoneyGram expecting a full refund. Instead, I was sent a {$6.00} refund check after exorbitant deductions were made for a {$18.00} processing fee and a {$36.00} service charge. Their refund check is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On my credit report there 's a debt from Midland Funding. When I asked them to verify they sent me info from someone with a completely different date of birth than mine. I would like this debt cleared from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I signed up and was approved for an Amex Platinum card with a XXXX sign up bonus through a link from The Points Guy ( An Amex affiliate ). I met the minimum spend, and received the points. Over a month after earning them, the points have been reversed off my account without an explanation as to why, or a resolution. I have called several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: FL

Complaint narrative:
Repeated calls ( several every day ). I filed an earlier complaint but nothing was done. 

I have no debtsIs this complaint process of any use???????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I use an Amex Serve card ( a prepaid debit card with a bill paying function ) as an option to a checking account. On XXXX XXXX, 2017 I got an email saying I had a negative {$140.00} balance on this account. After reviewing the transaction history on the acct, I could find nothing that would cause that kind of deficit other than an unauthorized withdrawal transaction. After 2 phone calls to the Amex offshore help desk I still do not know what could have caused the problem. Just a simple check with a calculator beginning with the most recent cash reload showed that accounting for all the following transactions would leave only an {$8.00} deficit & I 'm certain there was a positive balance at the time of the reload. Both " customer service representatives '' that I spoke to at Amex Serve would only parrot back the transactions to me & would not even take the simple step of doing the transaction calculations that I did to produce the - {$8.00} balance. I am concerned about this especially since I just went through a lengthy identity fraud investigation with the IRS & am concerned that my identity has been compromised. However, even with that information Amex Serve refused to open any kind of investigation to find out why I have such a large deficit in my account. So, my only recourse is to bring this to your attention in the form of a complaint so I can find out the real reason for this issue. I 'm attaching a copy of the transactions in question beginning with XXXX XXXX & covering the transactions up to today. Thanks very much for your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They keep calling me and leaving threatening voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Recently acquired an American Express Blue credit card, specifically because it offered XXXX % rebate on groceries. After several calls and questions, they told me that XXXX does not qualify because it is a XXXX XXXX. I asked them why it was not possible for them to talk to XXXX and come up with a way to code grocery purchases and thus give credit where credit is due. I asked them if they were aware that XXXX is one of the top grocers in the United States, to which I received only silence. I do buy produce and meat from XXXX, which qualifies, but all the rest from XXXX, because they are consistently better priced. I am not a happy camper!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a voicemail saying that they had " received documents with a complaint attached, '' and left an account number and a phone number. The voicemail instructed me to call to find out " the nature of the complaint. '' I called and was immediately confronted by a very rude man, he claimed that he was a process server ant that I was being sued in my county of residence. He had actual information about a real debt, my current address, and he read me my social security number. When he identified the debt, I immediately knew he was lying because the debt was from XX/XX/XXXX. The statute of limitations had clearly expired. When I questioned him he immediately cursed at me and hung up the phone. I called the number back repeatedly, but I was hung up on multiple times when I inquired as to the name, address, and nature of the business. They told me that they were a " firm, '' process servers, mediators, and arbitrators. Eventually, the number I had simple routed my phone to a full voice mail box. I was unable to obtain any information about the company. They claimed to be " XXXX XXXX XXXX, '' but a XXXX search revealed no company doing business under that name. They called from a number in XXXX, WA ( XXXX ) XXXX, and left the number ( XXXX ) XXXX. I recorded a number of conversations with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is calling my workplace and sending mail to my workplace and also emailing my boss about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
This debt is appearing on my credit report from Portfolio Recovery Services. I 've sent communication to them for debt validation on two occasions. I have not to receive what I requested. They are reporting the collection as being opened on XX/XX/XXXX which is actually incorrect. The debt went delinquent in XX/XX/XXXX. They are reporting the open date as XX/XX/XXXX. Collection agencies can not re-start the deletion time period unless they have re-aged an account which could be a violation of the Fair Credit Reporting Act. They 've added on 2 additional years of reporting which will extend the deletion period beyond the 7.5 years allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation