vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-05 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: DE

Complaint narrative:
MIDLAND FUNDING LLC HAS BEEN ASKED TO STOP CALLING ME BUT EVEN AFTER cease and desist letter they still do. I asked them for a validation Letter and they never responded. Also I have asked them to take their 3rd party collection off of my credit profile. Under the FDCPA, you have the right to " debt validation and They are not giving to me so I would like this taken off my credit. and my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 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: CT

Complaint narrative:
I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. 
XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MOHELA
State: WA

Complaint narrative:
I have repeatedly requested MOHELA to stop calling me on my cell phone and to stop calling me at my work. I also sent them an email asking them to cease and desist this harassment. MOHELA continues to do both many times every week and their calls always start with " This is MOHELA calling ... ". My coworkers often answer the phone and they have complained to me about this. I am afraid management will be soon talking to me about these distracting phone calls. But I have never, not once, told anyone at work about my student loan situation. But now they all know because all they have to do is look up the name MOHELA on the internet. And now my company and coworkers know of my situation. This is having a very demoralizing effect on me. Also, I had a XXXX of years ago and my XXXX is in a XXXX. ( MOHELA has been informed of my health condition ). This kind of XXXX is definitely not good for my health. My feeling of well-being is at its lowest ever. If I could repay my student loans, I would do so immediately. But I have been living at the poverty level for more that XXXX years now. Finally, I must say that taking out student loans is the worst decision I have ever made. But back then I did not fully realize what I was doing. I do not wish this kind of bad situation on anyone and would advise anyone to not take out these kind of loans unless they are completely sure they will get a job that pays enough for them to pay back the loans. The student loan program should be completely canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
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 the dispute but rather AMEX 's responsibility for the charges. 
AMEX is assuming that illegal documents are legal and a legal cancellation is not valid. If that is the case then why is AMEX ignoring the transaction exchange rate and charging us more than the agreement states? Exhibit XXXX page XXXX. How can AMEX determine that an illegal document binds us but does n't bind us to the exchange rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been trying since XX/XX/2016 to close an account following a death. American Express FSB continually provides different information on their process, fails to return phone calls inquiring about status, and blames the US postal service for records not received beyond what is reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25 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: AZ

Complaint narrative:
Midland Funding LLC listed inaccurate information on XXXX credit records stating an account was opened XX/XX/2013 which I did not and there is no record. Any account I would have opened is past statutes. I have requested in writing documentation of debt which I did not receive. In addition, it listed the debt on XXXX under the name XXXX XXXX XXXX using Midland Funding physical address in XXXX XXXX, which is hardly the banks location. On XXXX they list themselves as a Factoring Company. I believe these are unfair practices under the FCRA and FDCPA. Is Midland Funding a bank, a collection agency or a factoring company?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently opened an Amex Gold card and went through the general process of application to receiving the card no problem. I then had a few transactions in the city of of residency for very low amounts and found out that my card ended up not being able to swipe on the third or fourth transaction. I called in to inquire why and was told that they could not give me more information because they would contact me on the number on file for security reasons and also told me that they had given me a call. Both of these things I 'm certain did n't happen so I went online and checked my number and it was correct. Amex had me open a new line then failed to provide reasonable stated services and blocked my account. Now when I call in, the wait times on their fraud department is over XXXX minutes ( still on hold right now waiting for a representative ). I will fail to receive my early spend bonus if they keep me blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMEX reported me to the credit agency because my credit card was XXXX {$100.00} over the {$10000.00} credit limit. I have been am AMEX customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AMEX, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to " offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied, at the credit limit set for that card, than have my credit score negatively impacted. I have other cards and other means to pay for things. I do not have any way to get my now diminished credit score back. Something is very broken at AMEX for this situation to arise. I get electronic alerts from AMEX whenever anything looks amiss with regard to fraud, etc., I 'm baffled as to why AMEX could n't have automatically sent me an email letting me know they had approved charges above my credit limit so I could pay off some of my balance. I 've NEVER been late in paying my balance in twenty years. This is totally unacceptable. I hope CFPB is able to do something about this. Thank you in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit management and midland funding falsified documents to the judge on my daughter who have a XXXX and stuck her with an enormous debt. and levied her bank account and removed her XXXX funds. Now she has no meds and I am struggleing to pay for her medical bills and medication until we can get a date were the judge can see her exemptions. I tried to negotiate with them but they just gave me the run around. Prentending they did not understand what I was calling for or the attorney I was calling for. They pretened they did not know. XXXX XXXX XXXX Division Manager of Consumer Support Services would pretend he was not the manger several times. They would even send me mail in envelopes with no markings to deceive me from court appointed hearings. Never wiiling to verify the amount truly owed. Until they place a judgement on her. All still refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am a military personnel on active duty and I have requested the SCRA with a credit card company but was told that the request was submitted back in 2010 but I do not see where it is reflected on my account. I have contacted the company several times and got nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX deposited a check from me for {$88.00} on XXXX/XXXX/2015. On XXXX/XXXX/15, I received a collections letter from Transworld Systems for the same amount. XXXX has ordered collections for an amount that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
A man named XXXX keeps calling me from XXXX XXXX XXXX XXXX XXXX in XXXX New York. They use several phone numbers and change them frequently, but the most current XXXX is XXXX. They started contacting me last year about an HSBC credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX of 2015 we were offered an American Express Preferred Cash card which included an offer to give us a statement credit of {$150.00} if we spent more than {$1000.00} in the first three months. We spent well over that amount. We are now two months past the first three months and have not received the statement credit that was promised. We contacted American Express multiple times and have always been told that we will receive the credit the following month. This last time, we asked to talk to a supervisor who told us that they saw no evidence of us being offered the {$150.00} statement credit. They told us they would investigate it but it would take months for them to get back to us. 
American Express is clearly committing Fraud by offering a promotion to get consumers to pay {$75.00} upfront for a card, ( like we did ) and then not honoring the offer. We have filed a formal complaint with the XXXX and the Florida State 's Attorney General 's offic. 
We will never again do business with American Express and feel they should be investigated for fraudulent consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I was online trying to file for identity theft on the symmetry website which is the federal government website upon completing the identity theft application submitted it automatically took me to a PDF filler require me to pay {$4.00} I authorized it by giving them my pre-pay American express serve card when the discharge was placed on my cardit was pending for {$71.00} so I contacted American Express serve to dispute the matter they explained to me that I would have to wait to the transaction poles so I waited till I saw to Transaction the next day probably XXXX XXXX, 2015 I was informed by the individual look at the place to dispute for the transaction and that I would have to wait five to set 10 days for it to process it is now I contacted American Express serve XXXX XXXX, 2015 to inquire about my refund of the dispute I was informed that the person did not I guess did not put it in intentionally and only indicated that I wanted to dispute it I requested to have the recording pool they jumped on the route because they know they intentionally did not want the recording to be pulled to show that what I requested then I asked the young lady to submit the dispute again leaving me having to wait amount of 20 to 25 days just to get my dispute or my refund back I asked them why I could not be see my statements they could mansard said that this is such Internet website and I will have the printed this brings people that do not have printers the required to go somewhere and print it and pay someone to print my statements to be mail they can you direct me to where to find it so what I 'm doing now is I would have to go print them and pay for it because American Express sir can not mail me or direct me to have a requested in my Internet website account I asked they said the only way I 'll be able to view it is through a desktop not a mobile not napped happen that table is the only way I can access my account information accurately I will be only able to do it is through a test my right XXXX because if I do not have a desk that I should be able to use a tablet by mobile device on my laptop which stay website tonight account is not capable of handling I would like to request a investigation of American Express or XXXX XXXX contact and management to be investigated in all indivisible charged according to United States federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I recently filed a complaint against Midland Funding and since they responded to the complaint with their normal copy and paste response they have increased the amount they are trying to collect by almost 50 %. Last week their website and my credit report showed a balance of {$660.00}. Since I filed a complaint they removed balance information from their website ( screenshot provided ) and later disabled my ability to view my balance. They also updated my credit report showing a past due amount of {$960.00}. I have attached a screenshot of this also. They added {$300.00} to the balance in one day. In their response to my previous complaint they told me to contact a law firm and appear to be adding on additional charges. Something needs to be done about the tactics this company uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Client Services, Inc.
State: FL

Complaint narrative:
I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have an American Express Prepaid Redcard. It is loaded at XXXX. I went to a XXXX on XXXX XXXX, 2015 at XXXX. 
I loaded {$490.00} to my Redcard using my debit card. The receipt printed. On the receipt in showed an incorrect balance for the Redcard. This indicated that the load failed on American Express end. The receipt also shows that the money came off of my debit card. I initiated a dispute with American Express at ( XXXX ) XXXX immediately. I kept in touch with American Express for XXXX weeks. Still no money. On XXXX XXXX I spoke to someone at American express again. They got someone on line from American Express in Utah. This person was XXXX XXXX. XXXX said send him a copy of my receipt and I would have my money in XXXX days. It has been XXXX days since then and XXXX days since I first contacted AMex. XXXX XXXX ' XXXX email is XXXXXXXXXXXX. I have sent numerous messages to him with no response. So this evening I called the number again. I was told they were not doing anything. That they determined no money was due. 
So they take the money off my debit card, do n't load my prepaid card and keep the money. This is unacceptable. 

I have attached a copy of my receipt. This clearly shows the money was taken from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have advised Midland Credit Management twice ( orally ) to stop calling my job phone on XXXX they called my job phone alone XXXX times. I 'm can not to take personal phone calls at work and this can cause up to termination

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Approximately the XXXX of XXXX I requested via chat interface on Amex 's site a request for a FULL refund on the {$250.00} annual fee for XXXX card. After rejecting their offer of a pro-rated refund, and due to the fact that another card I had cancelled around that time, and which was opened around the time that this card was opened had received a FULL {$250.00} refund, I demanded a full refund. The rep attempted to offer a prorated refund. I rejected it. And after several back and forth messages with the rep and their supervisor, I obtained a promise of full {$250.00} refund to be processed in a matter of days of that chat. As of XXXX XXXX no refund was applied to the account. Upon seeing this, I opened a NEW chat and specifically advised the rep to consult prior chat logs. He failed to do so and once again attempted to issue a partial, pro-rated refund. His supervisor ALSO FAILED to consult prior chat logs and confirmed a pro-rated refund on the annual fee. 

I do n't care what your policy is ; I do n't care what your limits are ; I do n't care what your system will or wo n't let you do. And I do n't care how poorly your XXXX reps operate. I was promised a full {$250.00} refund on the annual fee and it has not been applied to the account. Make it happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 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: TX

Complaint narrative:
XXXX XXXX filed a {$410.00} debt on my report that is not mine. It has been years since I 've had XXXX and when i left they took the full amount out of my account for my remaining balance. this is a mistake and should n't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
i was an american express card holder in good standing, had pay over time feature, in XXXX i charged a large bill, soon after theycancelled my charge over time feature, without notice and started charging me late fees. despite all my efforts to talk to them about, this unfair action they went ahead and cancelled my account witch had a lot of reward points, by saying my credit was bad,, which was not true as i had been with them for XXXX years, and had charged and paid almost XXXX dollars in 2015. all my efforts to reinstate my account have failed, i had told american express, that i had no problem in paying interest on account and will pay off my balance with in 2-3 months. This has been very unfair, All i want was to re-instate my account, charge me interest and i will payoff the balance, but they have refused to reinstate my account, confiscating lot of reward points that i had accumulated, over time, please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: FL

Complaint narrative:
I have been disputing an alleged account I owe with Midland Funding for months. I have requested a verification of debt from Midland Funding and the credit bureaus ; XXXX, XXXX and XXXX. To date, Midland Funding has only sent me a computer generated credit card statement. I have not received any assignment of ownership of this alleged debt or a signed contract with my signature. I have not received any proof that this debt is owned by Midland Funding or that I am responsible for it.

Company response to consumer: Closed with explanation