vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
LTD Financial Services is continuing to contact me to attempt to collect on a XXXX Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXX To : XXXX CC : XXXX ; XXXX Date : Wed, XX/XX/XXXX XXXX XXXX Subject : XXXX : Card Services, XXXX. vs. XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX back on XX/XX/XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX. 
XXXX, XXXX. 
XXXX XXXX, Virginia XXXX * : XXXX XXXX : XXXX, ext. XXXX : XXXX XXXX fax XXXX XXXX in XXXX and Maryland XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. LTD Financial Services has not communicated with me to resolve, only to continue to collect this paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I purchased airline tickets using American Express Gold Card, co-branded XXXX XXXX. The website says I would get XXXX points ( Membership rewards ). https : //www.americanexpress.comXXXX Then I noticed I only got credited for XXXX instead of XXXX. I called American Express and they said it was because I have the " XXXX XXXX Card '' not the normal Gold Card. I asked where on the website it said this, and they could not provide any information. The agent said that that information is in the cardholder agreement. So after I got off the phone, I downloaded the cardholder agreement, and it does n't mention Membership Rewards AT ALL. So at this point, I got bad information from the website, followed by bad information from a customer service representative! 

It is of course possible that I was mailed something in the past describing this, but I do n't recall it. I think it is deceptive to have one thing on the website, and then do another, and I also think that card companies should be required to make the details of these point programs available to cardholders online. 

I love American Express as a company, and if the agent had offered to take this up the chain vs. contact CFPB, I would have done that -- I told him that I was going to download the agreement, and look, and if the information was n't there, would contact CFPB. I asked him whether he was certain the information was there on the points accumulation -- he said yes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX on my behalf contacted Midland Credit Management, inc avised them that the bill they are trying to collect that the statute of limitations ran out. This bill also was previously disputed along time ago with the original creditor XXXX. Midland Credit informed my attornies that they do not have any records of the dispute with the original creditior. I have been disputing this since this is the XXXX collection agency to acquire this old bill. This collection has also have blocked me from acquiring a mortgage to purchase my new home. XXXX have advise Midland they are ready to take this to litigation. At this point Midland should know the laws when they can no longer collect and report. The Law firm has given them 10 days and its is well beyond the 10 days,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Misleading advertising on annual fees by American Express. I was under the impression that the first year 's credit card fee would be waived, but was charged {$190.00}. Upon iquiry with Amex I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied the XXXX XXXX platinum credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX XXXX removed my XXXX Membership Rewards points on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: MO

Complaint narrative:
Debt was paid but never reported as paid or close to credit bureau or public records. When contact them about a release letter they said it will take from 30 to 45 days, called them back after 45 days and they gave me the same answer, eight months later still no letter. The company claims the attorney who handled the case should release the letter but when I contacted the attorney they said they are the company reporting to credit bureau therefore they should release the letter not them???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Today I received an email stating that my credit card company, American Express, did not receive my payment and was charged {$37.00} fee. I knew for a fact that I paid it because I have set my bank account to automatically send on the XXXX of each month. This had happened before and they tried to raise my rate to something crazy like 25 %. I thought I had messed up, but looking back I did not and I indeed made a payment. I paid ahead so I knew that when my payment was due on the XXXX of each month that my payment from my bank account would get there in plenty of time. 

I called today and spoke with a representative and yes, I did make 2 payments. I made one on XXXX XXXX that paid XXXX XXXX 's payment and I did pay again on XXXX XXXX to pay the XXXX XXXX payment. When speaking to the rep, she informed me that the XXXX XXXX payment did n't count toward my XXXX payment ( even though the XXXX payment had been made ) because I would have to make it in the month of XXXX to count and I just paid extra in XXXX. This is ridiculous! No other card I have punishes you for making a payment early and tells you that you did n't make your payment and charges you at {$37.00} fee. If I pay early, then a lot of times I do n't show a minimum payment for the next month. My mim payment is XXXX and I am paying XXXX and they are charging a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
COLLECTOR FAILED TO VALIDATE IN A TIMELY MATTER, IGNORED CEASE AND DESIST DEALING WITH ORIGINAL CREDITOR, THIS IS CREDIT REPORTING FRAUD. 

MIDLAND IS IN VIOLATION OF THE DODD-FRANK ACT FDCPA FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 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: MS

Complaint narrative:
I paid off my Credit Card to XXXX in XXXX of XXXX. The credit limit that I had was {$500.00} and I paid the full {$500.00} and it was accepted. Recently, Midland Funding reported on my Credit Report that I owed {$830.00}. I sent them proof that I did not owe this amount and they removed the {$500.00}. Now they are reporting {$330.00} that I owe them. They last reported this XXXX XXXX. I have repeatedly sent proof to XXXX all XXXX credit bureaus and XXXX and Midland Funding without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XXXX XXXX, XXXX in the evening, I called my American Express XXXX and spoke to an agent regarding making a reservation for XXXX/XXXX/XXXX at the XXXX in XXXX XXXX. I completed the reservation for a room and then called back to change to a different room after discussion with my husband. I spoke again to an agent and believe that they had scheduled and rebooked the room. I was NOT INFORMED THAT THIS WAS AN ONLINE BOOKING. I believed I was speaking to a travel agent who was actively calling and making my reservation every time I called the American Express XXXX XXXX. I made a XXXX change to this room in XXXX XXXX. Each time I requested a cancellation of my previous booking and believe that this had taken place. I was under the impression I had XXXX reservation at that point. On XXXX XXXX, XXXX, I again called the American Express XXXX XXXX to cancel and change the reservation to a cheaper room at this hotel, but told the agent I needed to confirm with my son and might again cancel this reservation. They seemed to understand. The next day, I called and cancelled the reservation for the final time. My son found a more reasonably priced hotel and insisted we stay at the hotel with him and his wife since we were traveling together in a foreign country. I can submit copies of the emails I have, XXXX of which have a cancellation number on the email. The agent I spoke to had not cancelled any of these reservations " on line '' - I had no idea till I accessed an email after the date. I have opened XXXX investigations and the XXXX continues to say that I am responsible, that I should have known it was on line, that I needed to provide the confirmation number, which I thought was available for the agent to see when I called in. I was never told this prior or during my call with the agent. I have continued to maintain that this was the company 's error and the XXXX XXXX has continued to maintain it was my responsibility. When researching this ( after the fact ) online in XXXX XXXX, I found XXXX complaints against American Express XXXX on the Consumer Affairs website that tells me that my problem is very similar to a number of the credit card members. I felt this was a reputable credit card company and had no idea that I would be treated this way until this happened. I believe that American Express XXXX should have provided written and oral instructions that clearly communicate how this reservation and cancellation process works. If my Consumer Finance complaint does not resolve this for me, I truly hope that it will be able to prevent the kinds of credit card abuse that is represented in my experience and that of the other XXXX individuals who have complaints against AMEX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on around XXXX XXXX 2016 I had applied for an American express credit card that was sponsored on my XXXX webpage. XXXX gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that XXXX said my credit score was XXXX, I then paid a fee to retrieve my credit score from eqaufax the report said XXXX and I also paid for XXXX score which was XXXX so someone at American express lied about my credit score being just XXXX and unfairly denied me there credit card. I want CFPB to try and get me that card and reprimand American express for wrongly stating my credit score and denying me the credit card. thank you XXXX. C

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XXXX XXXX, XXXX Beneficial/HSBC erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as XXXX began servicing our loan we contacted them to let them know that false information had been provided on our account by Beneficial. When XXXX informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that Beneficial 's records were a mess and it would take time to sort things out. We had been trying to get Beneficial to correct their mistakes prior to them selling the loan to XXXX XXXX. They did not complete any work to address their mistakes. 

Question 1 : Why was our mortgage sold as a loan in default to XXXX XXXX in XXXX XXXX? 

In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records that were sent post " XXXX XXXX reconciliation audit. '' Question 2 : Why was the XXXX payment erroneously applied to the wrong date in our account? 

Question 3 : Why were the reconciliations of our account ignored? 

Question 4 : Why did you tell the NYS Attorney General and the Bankruptcy Court that our payments were up to date and then tell us we were in default? 

A document is attached containing our payment history of our account with Beneficial ( Beneficial provided this document to XXXX and XXXX has asked that Beneficial provide an explanation. ) We need clarification on the following : See attached for remaining complaint information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. 
I am disputing these charges for a few reasons. 
1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: GA

Complaint narrative:
I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have any contracts with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. 

Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2012 Status -- Amount {$1600.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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:
I contacted Midland Funding and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with XXXX XXXX which is now XXXX XXXX. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I am a XXXX in XXXX XXXX. A client came in discussing harassing behavior by a debt collector. I generally make contact and then send a cease and desist letter on the client 's behalf. This person answered the phone improperly - " Law Office '' then he lied to me about the debt, would not provide a fax number, and then called my office back to harass me. Threatening me and my client. ( By the way, he claims to have been collecting on an HSBC debt. ) He reported the following information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone # : XXXX Fax # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
A representative from the Collection Agency called XXXX XXXX has called my job several times stating that I have a debt and they have a wage garnishment. He spoke with the company 's secretary and in another occasion with the vice president. This debt is from 2006 and I think is a prescribed debt.

Company response to consumer: Closed with non-monetary relief