vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Applied and received the American Express Blue Cash Preferred Card. Amex charged me the annual fee of {$75.00} upfront on XXXX/XXXX/15. I read and re-read the terms and conditions before applying and thought they would charge me the fee after a year using the card. Why would you pay for services you have n't even received? It did n't make sense. 

I again re-read the TOC and it never states when the fee would be charged. When I contacted them about this they repeatedly told me it was in their disclosures that they charge this fee in the first month. I asked where and spent a few hours with Amex reps falsely explaining that it says that the annual fee was due the first month. 

After considerable time, they finally agreed with me that the TOC do n't state when the annual fee gets charged but would n't negotiate on refunding or changing the timing. Eventually, I paid the fee. After a while, I cancelled the card and hope it did n't hurt my credit by closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I have Identity fraud. I am being contacted by XXXX XXXX for account that was fraududlently opened using my information. I have filed a police report and they continue to contact me demanding a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I was approach at XXXX airport by AMX personal asking me if I have Delta AMX card I told him yes, he ask me if its personal I told him yes, then he told me he can switch over to business and give me XXXX bonus miles, then I told him I do not wants to apply for new CC, he reply he is going to just change it to business not new, I got home see new CC with new account I called on XX/XX/2016 and complain AMX, AMX told me they will get back to me in 7days my ref number from AMX is ' XXXX Today XX/XX/2016 called AMX again and talk to supervisor name XXXX caller ID XXXX did not get response My compline is AMX rep. opened new account w/o my approval or lying to me and effecting my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Was not notified before going this was submitted to go to court, nor do I know what the collection is referenced to. The court order allowed this law firm to get payment directly from my bank account and had in fact depleted my son 's savings account to which I have not a clue as to how they were able to get his account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 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: NV

Complaint narrative:
I am still being harassed by Midland Fund with a collection claim filed on XX/XX/XXXX with the credit bureau agencies by this firm over an alleged {$1200.00} debt. The date of last activity by the original creditor was XX/XX/XXXX. The status of limitations on this debt has long expired. The original creditor is XXXX XXXX XXXX XXXX. The State of Limitations on this alleged debt, even should it be mine, is 4 years in the state of California. 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I 'm sure this firm is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that Midland Fund has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 
The exact statute : [ XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) The legal status of the alleged debt, and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also convinced that Midland Fund does not have adequate documentation to prove in court that it has the right to report this negative information on my credit report, and therefore is in violation of the Fair Credit Reporting Act as well as the FDCPA. Midland Fund is not lawfully entitled to report this information and I request an investigation. 
Under the FDCPA I am also invoking my right to ask you to delete this alleged debt report from the credit bureaus and send the Consumer Financial Protection Bureau notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I am trying to purchase a home as a first time buyer and this record is affecting my ability to do so. It is in my family interest that I need to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: IL

Complaint narrative:
On XXXX/XXXX/16, I sent a certified letter to this company requesting for " validation '' via a document bearing my signature that I owe this debt and that it is valid. I waited 31 days, and received no response from this first letter. On XXXX/XXXX/16, i sent a second certified letter to this company asking for " validation '' via a document bearing my signature that this debt belongs to me and is valid. On XXXX/XXXX/16 they responded via a letter, but did not provide anything with my signature on it. Instead stated that I did not provide sufficient information and that I needed to send them documents. Basically giving me the runaround and not providing what I asked for in the two certified letters I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: NH

Complaint narrative:
XXXX XXXX continues to threaten me with legal action if I do not pay a debt that was written off by Orchard Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of XXXX, XXXX, XXXX XXXX XXXX XXXX. They sent me a notice of motion I do not know if it is legit or fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 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: NV

Complaint narrative:
Asset Acceptance has failed to provide me a copy of statements after mutable attempts, Asset Acceptance have not given me a copy of records of all payment that I have made with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Express Aviation
State: KY

Complaint narrative:
I was paying my loans monthly payments. I filed for bankruptcy on other debt that I owed which immdeiately placed my private student loan into default even though I did not include this loan in my bankruptcy, and I was still paying them. They sold my loan to a debt collector and never told me who they sold it to. Fast forward a year later- I am now receivign phone calls demanding I pay the full amount owed and they refuse to take any payments other than the full amount. They are also refusing to send me any documentation in the mail. My original loan was through AFG.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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: TN

Complaint narrative:
MIDLAND FUNDING LLC HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO XXXX OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: GA

Complaint narrative:
I received a letter in the ail from MCM-Midland Credit Management Inc. account ending in XXXX to collect on an old XXXX debt, Acct-ending in XXXX. I called MCM and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a XXXX account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a XXXX account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX. I opened a corporate business account with American Express in XXXX. At the same time I also opened a blue cash personal account with American Express. At the time that I opened the business account, Ii was asked for my tax id which was provided and also my personal information. I was told that the business credit card was going to be opened under my tax id and my company '' XXXX XXXX XXXX ''. I was approved for the business card and the personal. Everything was going great until unfortunately I got very ill and I had to close the business. I was having a hard time paying the business account on time but I was making on time payments on my personal account. I was never late on the personal account. Now every time I fall behind on the business account payments, they block both cards. I believe at this point I was misrepresented by American Express because they never told me that they would link my business and personal accounts together. I believe that the point of the tax id is to open business accounts and for my personal account to not deal with the consequences of what happens in the business account. If a consumer entered a contract or an agreement as a result of a fraudulent or negligent statement is to be considered misrepresentation. I believe I am protected under the misrepresentation act of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 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: CA

Complaint narrative:
MIDLAND FUNDING has refused to validate a debt. They are now reporting it on my credit report, duplicated the account so it looks twice as bad, re-aged the account to intentionally damage my credit, and will not prove they own the debt. About 3 days ago a letter came to an former address. That was their first contact and they have been already been reporting this for almost a year without my knowledge. When the letter came to my attention I called and asked them to validate the contract assignment. They hung up. They have not validated this debt and yet are reporting it, duplicating it, and re-aging it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Over the last 7 years ( this is as far back as AMEX goes with my billing statements ) I 've been charged cash advance interest totaling {$7500.00} but have made no cash advances in that time. 
Now to be fair ... I somewhat remember using i my AMEX to get a cash advance for emergency reasons on vacation many, many years ago ( more than likely over 10 yrs ) definitely over 7 years ago but the amount i withdrew ( probably $ XXXX- {$200.00} ) does n't warrant over {$7500.00} in interest for the last 7 years in my opinion. 
I had a claim/dispute inquiry with AMEX but have cancelled it ( think they were blowing me off anyway ). I am considering an attorney and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 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: NE

Complaint narrative:
We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: CO

Complaint narrative:
I have received calls from Midland Credit company since XX/XX/2015. They do not ask for me by name but say they are trying to collect a debt. The same number of this company has called me every day for the last several weeks. The number they used before in XX/XX/XXXX was XXXX. They are now calling from XXXX. I spoke to a manager XXXX XXXX and requested that they remove my number from their call list. This is the third time I have ask them to quit calling my number. They have never complied. I HAVE NEVER GIVEN THEM MY NAME AS THEY DONT ADDRESS ME BY NAME! All these people have is my phone number to continue to harass me. They all sound like they are from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I just recently learned about the program initiated by President Obama in XX/XX/XXXX trying to rectify unfair mortgage practices against XXXX members and veterans beginning during the XXXX recession. After retiring from the XXXX XXXX in XXXX, I was employed here in Ohio until XXXX XXXX. Eventually, I/we were foreclosed upon by Countrywide Lending after attempting everything legal that I was aware of having available. This wound up costing us & gt ; {$43000.00} in equity alone. All I ever received from the XXXX settlements were XXXX checks totaling less than {$800.00}. If the program talked about in this news article is still functioning, how do I go about having my case submitted to, and reviewed by the appropriate people? XXXXXXXXThank you in advance for your time and assistance. 

Respectfully,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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: IL

Complaint narrative:
I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. 

XXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner. 
I typically send additional principal payment along with the mortgage amount that is due each month. 
Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it. 
To avoid that I pay after XXXX the month before XXXX. 
My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal. 
It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds. 
XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false. 
Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH. 
XXXX stated I would be receiving a record of my mortgage payments for this year. 
I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was recently viewing my credit report through experion credit report- and after looking at my credit report I did notice there were late payments on one of the cards. I thought that was odd because I do not have any debt on my credit all my debt is paid off. Doing some more investigation from XXXX I did find out I did have a negative balance of {$2500.00} of which I was not responsible for which is a result of identity theft. The Citi card was opened on XX/XX/XXXX and the card was closed due to charge offs. So someone did use my social security number, possibly my name with a different address to shop for the following items. 
After doing some investigative work online I did find out that the card is associated with Home Depot or it 's a CITI card that they issue to home depot. I initially called the CITI cards and they told me they do n't have me on file that I needed to contact Hope Depot in order to dispute the charges. After calling the Home Depot they gave me a CITI card number again and they told me to call the following XXXX numbers XXXX of the numbers is associated with their Home Depot CITI cards. XXXX. The other number is XXXX XXXX. 
I have n't had a chance to call the last XXXX numbers. I did contact some other government agencies and I did file a report. On the other hand I did contact the credit bureu and they did file an identity theft report and they are doing some investigative work and they 'll let me know what he result is in the next 30 days. So as a result I 'd like the following credit card issuers to clear my debt because its ruining my credit or I 'll be taking legal charges against CITI/Home Depot card for ruining my credit. Thank you.

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 non-monetary relief