vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-26 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: PA

Complaint narrative:
I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management. 

Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account. 

I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference. 
Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HFC Mortgage Statement and HFC Account page amounts are not the same. 
Statement YTD owed should be {$18000.00} ( 5mos. @ $ XXXX2mos. @ {$2600.00} ) YTD I 've paid {$12000.00} Difference should be $ XXXX not {$5200.00} ( amt. on HFC Acct. page ) or {$8000.00} ( amt. HFC Statement ) The only way I can make either of those totals is if I add XXXX month at the old rate to the correct difference {$5400.00} + $ XXXX {$8000.00}. 
HFC has lost/misplaced/misapplied XXXX previous mortgage payments. I wonder if it has happened again?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I have saved voicemails from someone calling from an unknown number saying that they are from the county process service department and have a failed attempted to serve me at the location on file, this matter requires my immediate attention and I need to contact the issuing office at XXXX and reference the case number provided. The call ended with " you are in jeopardy of missing your court date, consider yourself notified! ". The XXXX voicemail said they have a XXXX failed attempt to serve me and my sister and we are in jeopardy of missing the court date as well as in jeopardy of getting a failure to serve. I have no idea why this `` county process service department '' is looking for a matter that would involve both me and my sister. 
I called the phone number XXXX and have was hung up on XXXX times and told I was playing games and disgruntled ( because I told them that if they werent recording the call i was going to ), before getting information from someone on the XXXX call, which I recorded. When answering they stated different names for their " firm '' ; XXXX and Legal office of XXXX XXXX. The account they referenced is was one that I have been disputing for years because it was fraud ; I did not open the account, someone else did. It is currently in dispute status and past the statute of limitations in my state. 
The `` county process service department '' also called multiple family members who have texted and called me worried about me because it sounded like I am facing a serious legal issue. 
I spoke with XXXX attorneys that stated this business is not legitimate, it is a scam. Neither of the lawyers could find information on this " law firm/business '' I searched for hours attempting to find information on their company and all I could find was information on a company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: MA

Complaint narrative:
Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX, I requested a refund check for an overpayment from American Express. I was told it would take 7-10 days to get to me, which was acceptable. On XXXX, I still did not have my check and it was outside of the timeframe I was promised, so I called American Express directly to inquire. The representative I spoke with was very helpful and courteous and offered to have a new check overnighted to my address, but we both decided against that as he thought I might still get the check in the next 2 days. XXXX rolls around with no check in the mail, so I call and ask for a new one to be overnighted. I was told that could not happen and it would be mailed, with the same 7-10 day turnaround time. That was not acceptable to me, so I escalated the call to a supervisor, who told me he would get it overnighted, to be received on XXXX, XXXX rolls around and still no new check! I have the old XXXX now, of course, but that was cancelled so it does nothing for me. I am at a loss of words now because I need this money to pay my other bills, but American Express is not doing anything to help me! This is my money, all I want is to get the money that is owed to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 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: AL

Complaint narrative:
I called XXXX in XXXX 2010 that I wish to discontinue my service. They told me they would send me a box to return the receiver. A couple of months passed and I never received an authorization to return the receiver and I did not use my XXXX service after XXXX/XXXX/2010 since they told me I was paid up through that date. They began calling me to collect in XXXX 2010 and I will not pay the {$180.00} balance since I do not owe it. They have reported this on my credit. I need this taken off since I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express offered my minor son, XXXX, a Credit Card. I 've complained once before and they promised to stop ... but obviously they lied and are n't keeping their promise. They must stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX my ss # XXXX I been with American Express over a year I have XXXX accounts with them XXXX personal and XXXX business I open XXXX account for XXXX of my head employees in California he used the card this was a new business and card was for that business i use my card off and on, the XXXX time my employee use for XXXX in tell i got out too California American Express for all my cards never missed a payment always paid before time they asked for proof of income I told them I was a victim of identity theft so the IRS Could n't no information I did everything they ask me to, they want my XXXX for XX/XX/XXXX and XX/XX/XXXX so I called the IRS To get A copy the IRS ask me show my copys to the IRS, told XXXX what was going on I told them I will fax over my copys, and they told me no that they want the originals on open from the IRS which would then mail to me from XXXX XXXX XXXX on XXXX has the right to opening my mail, so they cancelled all my credit cards hurting my credit making remarks that I was a resk to pay them back, when I show my bank statement how much I have in my accounts, when I applied for my credit cards I fit every requirement this is all over XXXX employee spending {$1900.00} stating that he used 95 % I love my credit when she used it XXXX time until I got in California XXXX and they spend it right away which was paid back in full before time, I feel that their prejudice because XXXX my XXXX accounts has nothing to do with my personal accounts, now they 're putting my credit history in jeopardy, when there are people out there as do n't pay their credit cards, and they have someone like me that page before time never missed a payment never been late always paid more than what was do I need your help just trying this out thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I am attaching a " spam/malware/bogus email '' I received. I am NOT a credit card holder, I am NOT an American Express customer. And, of course, I did NOT open/ download the email attachment. 

email : '' Dear American Express customer, We have recently detected that a different computer user has attempted gaining access to your online account and multiple passwords were attempted with your user ID. 
Hence it is necessary to re-confirm your account information and complete a profile update. 
You can do this by downloading the attached file and updating the neccessary fields. 
Note : If this process is not completed within XXXX we will be forced tosuspend your account online access as it may have been used for fraudulentpurposes. 
Completion of this update will avoid any possible problems with your account. 
Thank you for being a valued customer. 
( XXXX ) American Express Customer Service 2015. 
Dear American Express customer, attachment Verification FormXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am two months behind in my American Express payments ( {$3000.00} ) because I am awaiting a settlement check from an insurance company. This has been a stressful and financially difficult situation for me. My next door neighbor who lives in the apartment building I live in just knocked on my door to tell me she received a call from American Express looking for me. In fact she has been receiving these robocalls for weeks and only today finally answered the phone. I have been an American Express Gold Cardmember since 2010. I am completely appalled that they would breach my privacy and call my neighbor. I have no idea how they even got her telephone number. This has to be an illegal practice for American Express to share my financial details with anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: RI

Complaint narrative:
I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is bogus I filled out XXXX applications with american express and they call me tell me any rep can assist me witch Is not case leaving me with an secured ref code to make sure im an legit applicant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express, without notice or explanation, has removed my ability to challenge and/or inquiry questionable charges via its website. Access was removed approximately one week ago. Since then multiple requests to restore access have been ignored. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: TX

Complaint narrative:
This company reported to my XXXX credit reports this account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account. On XXXX XXXX 2015, the same collection company started sending me demand letters AGAiN. 

FYI MCM~ I have all my records and if you continue to demand payment on this account that was deleted and was not verified as mine AND/OR Re -Report any credit bureau, I will retain an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury fro you ( MCM ), deliberate actions. Not to mention, filing a complaint XXXX for illegal and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This debt has already been removed from my credit report because it is outside the statue of limitations. The debt is 8 years old and in my state can not be collected. The original debt was {$200.00} and this company is sending me a bill for {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
They called my mother 's private line asking for me. They called at XXXX on a XXXX morning waking my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I called into the citi credit card call center on XXXX XXXX to see if I could get a late fee could be waived. The customer representative agreed and said the fee will be waived. After that, I immediately paid the remaining outstanding balance apart from the late fee. But the late fee was never waived. Since I do not use this card, I did not check this card balance until the statement date in XX/XX/XXXX. That 's when I found that there was still an outstanding balance of {$25.00} and that I was slapped another {$25.00} fee. 
Since then I have called the citi call center again to inform them of their error and waive both late fees, but they are saying that they can only waive XXXX fee. This is a clear violation of an agreement reached on the first call.

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 monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
MCM , Inc. continues to pursue me in a matter that was dismissed in the XXXX XXXX XXXX XXXX XXXX Arizona on XXXX/XXXX/2014. The company continues to negatively report a debt that I do not owe to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
All Previous fees had been paid. The only pending amount on the account was for " membership '' fee of {$95.00}. Against better my judgment I paid the fee and cancelled the card on XX/XX/2016. I spoke with a supervisor at XXXX. The remaining fees are the {$36.00} late fees for untimely payment of the membership fee. The card was not used during this time. I requested they wave the late fees as I have paid the membership, but to no avail. I have not and will not use their services. I no longer have the card I shredded it. The account is a AMX Green Card ending XXXX In addition my XXXX rewards point were forfeited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in and out of the hospital in XX/XX/XXXX battling XXXX. While in the hospital I had a " friend '' watching my home and making sure that my bills got paid. When I arrived home from the hospital, I came home to a friend who had disappeared, a stack of mail, a vacate notice from the sheriff for my mortgage, and a lot of information I did not understand. 
I relocated in XX/XX/XXXX to California for work. At that time, I went into a dealership to obtain a car. To my surprise, there was a credit card on my credit report showing as owed by me. At no time did I take out a credit card, file an application, make a payment, or transact any business with a Capital One card. To this date I have disputed this card at least XXXX times. To my surprise the only thing Capital One keeps saying is that I filed for the card, I completed an application online, and that I made payments. They are verifying all of this against public records that show me living at that address. So in other words, everything hinges upon the address of record. I have asked to settle this matter, asked for some sort of resolution, and asked for copies of receipts etc with my signature. At this point they are refusing to provide any other information to validate that this is me. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I had fraud on my American Express Credit Card and I cleared it with them on XXXX XXXX, 2015 with a confirmation number and was told they would take care of it and cancel my card. Fraud person had changed my address from XXXX XXXX XXXX, XXXX, XXXX XXXX twice. On XX/XX/2015 to XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2015 to XXXX XXXX XXXX, XXXX, XXXX XXXX and charged over {$9000.00} to my account with the names of the places that charges were made. I paid the XXXX charges that were mine with XXXX XXXX after I was told by my local banker of the charges on my card. Five months later I am receiving calls on my IPHONE, office phone and home phone from XXXX with a recording. I have talked to those people and they said they had no recollection of my XXXX XXXX, 2015 conversation. I have copies that I had American Express send me of the bills and that is where we saw that the fraud had changed my original address where I have lived for 18 years in XXXX to a XXXX address. XXXX calls my office phone of XXXX every day at least 10 times. I have not activated the new card American Express sent me since I am very concerned about fraud and will never activate it after being harassed by them or whoever is calling. XXXX XXXX XXXX

Company response to consumer: Closed with explanation