vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I received a letter from LTD, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a XXXX XXXX XXXX agent. We informed both the XXXX XXXX XXXX and LTD that we did not have a XXXX XXXX XXXX card, neither did we ever give permission for this collection agent to enter our account. LTD has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX County Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Since I was unable to submit the actions of XXXX XXXX XXXX 's relative to the collection agency LTD I am submitting a second request. Although XXXX XXXX XXXX has withdrawn itself from my credit reports, XXXX XXXX XXXX has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been very XXXX -- including XXXX XXXX. I thought I had excellent credit only to find out someone had stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
they have kept dispute ongoing for more tan 14 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I contacted American Express about numerous unauthorized charges on my XX/XX/XXXX-XX/XX/XXXX statements, and requested they investigate these charges. In two or three instances, after months of investigation, they apparently determined that my objections were correct, and removed the charges. However, they have continuously demanded through phone calls, robocalls and letters that I pay the full balance. When I requested that they cease their robocalls at strange hours of the day and night, and instead continue to investigate the disputed items, they declined to do so, and instead reported my alleged delinquency to the credit reporting agencies, denied me the opportunity to continue charging even though I have a Platinum Card for which I pay an annual fee, and finally cancelled the card. I spoke to them about 2 weeks ago and urged them to continue their investigations of disputed items, and told them I would pay what we would agree as to the amount owed, minus a sum for the unwarranted damage to my credit reputation caused by their irresponsible actions. Their response was to continue the robocalls, cancel the account, and then offer me a new ( but inferior ) card only if I paid their bills in full, plus usurious interest charges and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 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: TX

Complaint narrative:
Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
XXXX card was used to purchase gift cards from XXXX, when they cards were checked they were all empty had XXXX balance, reported to XXXX and XXXX. XXXX sent me emails from the XXXX unit which stated they attempted to contact the people who used the cards both on line and in the stores but have not received any response. They know I did not use any of the gift cards, they have also stated they know everyone who used the cards by date and time but can only share the information with law enforcement, I tried to file with XXXX Metro PD but they said it was a Federal issue as XXXX is located in XXXX and I live in XXXX XXXX, I then was told to file an IC-3 ( # XXXX ) which I have and have not heard anything back. XXXX refused to give any credit back to my XXXX, they admit that I never used any of the gift cards, and they know who did. I request a credit back to my XXXX for the full amount and a letter to all the credit agencies that this was fraud by others. I spoke with XXXX in their XXXX customer service who gave me the date and time each card was used, you will see the last XXXX numbers of each card the date used and the time, the cards never left my possession so how does one make a purchase in the store without the card? XXXX will do nothing to help nor will XXXX they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a XXXX year old widow with serious health issues. When I XXXX I had XXXX and went to a XXXX XXXX for several weeks with ultra high co-pays in addition to medication co-pays. Because I could no longer make payments to a debt management company, for distribution to American Express, XXXX XXXX XXXX and XXXX XXXX Master Card I was dropped from the program. 
Now the above companies are demanding payment, but I am currently unable to pay. My only source of income is Social Security. In terms of health care I am a member of a Medicare HMO with high co-pays. My XXXX has been struggling for the past several years and I am now XXXX. The above companies refuse to give me more time to turn these events around. XXXX XXXX is insisting that I make a payment of over {$500.00} by XXXX XXXX. American Express wants the current balance due of {$1500.00} by XX/XX/XXXX. This is impossible! The calls and notices are never ending. No one seems to be concerned about my current state of health even thought I have been a client in good standing for decades. In many ways I do consider this to be a form of " XXXX abuse! '' Keep in mind that the above companies have tacked on considerable late fees and onerous interest rates above XXXX %. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
While booking a flight with XXXX XXXX I was double billed for an transaction. I called into American Express : Bluebird to try to resolve it. I was told to speak with XXXX XXXX. 

After speaking with a representative with XXXX XXXX I was informed to provide a FAX number so that a release of funds can be faxed to AMX. 

Calling back to AMX I was informed that there was no FAX number and that if they cancel XXXX XXXX will cancel the transaction, the account will be accredited in 7 Business days. I asked to speak with a supervisor and we conferenced in the XXXX XXXX XXXX. She ( XXXX ) informed me that the account was double billed due to billing issues with their merger with XXXX XXXX and that I was XXXX out of a XXXX transactions that this happened. She also said that the pending balance will ( from XXXX XXXX perspective ) will fall away within 24hrs because there is only one ticket number associated with he transaction. 

I was then informed from the AMX rep that my account will be credited on the 8 calendar day per AMX business policies. 

I am opening a clime because I was informed by the XXXX XXXX rep that AMX is breaking XXXX LAW by holding my money for 7 business days. XXXX Rep asked if AMX : Bluebird was a United States Business and the AMX rep said yes. 

I would like to have the CFPB investigate the mater for possible violation of US Law regarding account reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This was from an old credit card debt. At the time it was going bad, I did n't have monies to pay it off. They took it to court and I was given a judgement on it, and now I must pay it off to get a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: OK

Complaint narrative:
I had a XXXX Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The debt was settled and paid several years ago. I continue to be contacted by a credit collection firm, Midland Credit Management , Inc. XXXX handled my settlement and has contacted this creditor requesting a cease of contact. I continue to receive mail pieces from this collector for a debt that has been paid several years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland is reporting an open account XX/XX/XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and Midland this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have a fraudulent charge that American Express has yet to take off. It is from XXXX XXXX XXXX for {$8100.00}. This charge is not mine. I will NOT pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On Several times I contact American Express and they request that I verify with the automatic system then they need verify again with representative then why do need XXXX verification. Then the advertise no Fees why was charge withdrawal fee at the ATM. Please verify my account is being hand correctly and they are working within Federal Regulations my American Express Serve Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
i financed a laptop and desktop from XXXX XXXX XXXX over 5 years ago. The total amount did not exceed XXXX i made timely payments until i lost my job while pregnant. i then made some late payments but payments none the less. in XX/XX/XXXX i made some larger payments as it was reported on my credit report and i was trying to buy a home. the debt was paid off XXXX essentially with the interest added. Fast forward to XX/XX/XXXX i received information my my employer at the time stating that a wage garnishment was completed and there was a lien for a debt with Midland Funding. i late find out that a court case had been initiated against me for the same XXXX account that was paid including interest. i had no record of this court procedure and did not attend., in any event over XXXX was collected from my garnishment. this loan is a nightmare its been paid many times i need help with this predator ( midland funding ) as i do not owe any more yet it shows on my credit report as a current outstanding debt in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding reporting expired debt on my credit report I never received anything in regards to dispute this debt.

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

Complaint narrative:
A complaint - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used incorrect data provided by Experian to determine APR. 
American Express Gold Delta SkyMiles responded to complaint stating that they had resolved the matter by offering a gesture of good will : 1. American Express issued a {$30.00} statement credit - I can not verify this information. 
2. American Express XXXX Delta SkyMiles - AE has not allocated XXXX Delta Skymiles they stated in letter XXXX XXXX, 2016 in response to my complaint # identified above ( and narrative below ) The former issues was ... 
Delta Skymiles American Express credit card, which I applied for and awarded, was awarded at 17.49 APRate instead of 15.49 APR. American Express stated on XX/XX/2016, my XXXX score was XXXX based on a report from XXXX. On XXXX/XXXX/2016, I ran my credit report for all XXXX credit reporting agencies ( 4 days apart ) and my XXXX scores were : XXXX XXXX ( excellent ), XXXX XXXX ( excellent ), XXXX XXXX ( excellent ). This is a XXXX point difference in the XXXX XXXX score in 4 days. When I explained to Am Express that XXXX out the XXXX issues were incorrect and incomplete - they would not resolve the issue. And XXXX, when contacted, was not willing to make ensure my credit card was complete and accurate ( separate complaint has been filed on XXXX ). Issue one - said no record of installment loan ( car loans are evident and on file - XXXX and XXXX XXXX ) but my mortgage info is not listed on XXXX.Second, said too short of time with early accounts - have had 28 years of credit. Third issue - do not pay accounts as agreed - I pay all accounts as agreed. AM Express based its APR decision on inaccurate and incomplete information. 
XXXX Issue APR or interest rate If you lost money, how much money did you lose? {$0.00} Have you done any of these things to try to resolve this issue? 
Contacted the company directly DESIRED RESOLUTION

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I entered a hardship repayment agreement with American Express through their customer service process over the phone. I was told that I agreement was to make {$950.00} a month payments until the debt was paid off and that my account would remain in good standing. American Express accepted the payment but still reported me as delinquent which dropped my credit score, raised my payments with other creditors and increase my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: PA

Complaint narrative:
Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies. 
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim. 
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim. 
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 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: OH

Complaint narrative:
I have repeatedly asked for the original document that this was supposedly opened by me and have never received it. Do not believe this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
This company was told twice by my attorney to send them debt verification and were told on the phone I had representation. 
They contacted me afterwards twice by phone, once on XX/XX/XXXX and once on XX/XX/XXXX. I told them not to contact me and gave them my attorney 's info. They never sent any debit verification. I sent them a letter stating same on XX/XX/XXXX. We never received anything in the mail. This is part of why they were sued for debt collection mishandling. They are now doing the same thing to me.

Company response to consumer: Closed with non-monetary relief