vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 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: NY

Complaint narrative:
I have disputed with Midland Funding before. I do not know what this is for and have not opened up anything in XXXX 2012. I believe that either someone fraudulently opened up an account or this may be for something way past the statute of limitations from years ago possibly. I am in the process of purchasing a co-op and I must have this removed from my credit report asap if they can not provide answers or if they are " parking '' this forever on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " Asset Acceptance , llc '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex refuses to honor sign up bonus. 
My wife and I both signed up for the american express XXXX card with the XXXX bonus pts after spending {$750.00}. My wife got hers no problem, but mine never posted so i opened an investigation several months ago. Each time I spoke or chat, they told me different reasons. XXXX of the rep was claiming that I am not qualified for the bonus due to having other Amex product but I do not find that statement anywhere in the Terms and conditions. 
I understand they honors a sign up bonus once in a lifetime par product however, I never had XXXX credit card before. 
My wife also has several other Amex credit cards but received her XXXX bonus without any problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 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: TX

Complaint narrative:
Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed XXXX XXXX and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since XX/XX/XXXX/XX/XX/XXXX and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company to find out why I have a judgement on my credit report and I am being hindered from getting medical attention because of this. I appreciate you investigating if this is legal for an unsecured credit card and the debt is so old. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Over the XXXX holiday, American Express made duplicate charges to my card. When I tried to call the customer service number, the number was not active. I tried to file a complaint with American Express and they kept transferring me to the nonworking customer service number. I explained the number was not working, but customer service reps continued to transfer me to the working. The duplicate charges were not addressed in a timely fashion. I had no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24 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 paid off my mortgage with XXXX Mortgage Service Center. The payoff funds were sent overnight mail by the title agent on XXXX XXXX, XX/XX/XXXX and posted on XXXX XXXX, XX/XX/XXXX. Since the payoff amount of {$200000.00} was valid through XXXX XXXX, XX/XX/XXXX, I paid an extra day 's interest of {$25.00}. My escrow account balance was {$1300.00}, therefore my refund should have been {$1400.00}. The check I received from XXXX Mortgage Service Center was for {$1000.00} dated XXXX XXXX, XX/XX/XXXX. This amount is incorrect. Due to a separate complaint issue I filed with the CFPB regarding XXXX Mortgage Service Center earlier this year, XXXX separately agreed to refund a paid processing fee of {$370.00} for a release of liability processing fee I paid which had nothing to do with my escrow balance ( separate account : escrow account versus paid fee ). Since XXXX Mortgage Service Center could not process my release of liability request timely and requested documents not applicable to my specific situation because of my recorded oral stipulation for divorce and recorded quick claim deed ( validating no financial exchange and my need to refinance ), I elected to finally refinance with another lender due to the multiple servicing issues I had experienced with XXXX Mortgage Service Center. This is the primary reason why I refinanced with another lender ; simple processing tasks for some reason were not handled properly by XXXX Mortgage Service Center. Although I spoke to several XXXX employee 's during this process ; they really just do n't seem to truly understand the process being conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I opened up a new American Express Business Platinum card on XX/XX/XXXX to use for business purchases. On XX/XX/XXXX all of my American Express credit cards were hit with an " American Express Financial Review '' in which they suspended all of my accounts and prevented any charging from being done. Since that date ( XX/XX/XXXX ), until now ( XX/XX/XXXX ) I have been working with the AMEX Financial Review team to try and get any documentation required for the accounts. They requested tax documentation from the IRS and I did my best to get them the required documents. Initial forms were faxed to AMEX on XX/XX/XXXX with follow up forms mailed on XX/XX/XXXX. The process continues to this day ( XX/XX/XXXX ) with the final deadline being XX/XX/XXXX. During this time all of my American Express cards were in a suspended state and were unable to be used. Unfortunately it has come to the point where I have chosen to close the Business Platinum card. AMEX charged me an annual fee of {$450.00} on XX/XX/XXXX. Typically, there policy allows for a full refund of the annual fee if closed within 30 days of the previous statement. Due to the fact that my card was suspended and charging was unable to be done I have requested they reimburse the annual fee after having closed the card today on ( XX/XX/XXXX ). I was able to " use '' the card for XXXX days before it was suspended for the financial review - and having since closed the card I will obviously not be using it for the rest of the year. American Express used the suspending of my card and the " financial review '' to insure that my card would age beyond the ineligibility window for an annual fee refund. It is unacceptable to think that they will try and charge me {$450.00} for a card I was only able to use for XXXX days, then punish me and disallow a refund because I was trying to comply with their financial review process which took over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After making a XXXX deposit in my Citibank account last week. 
I attempted to pay some bills once the banking website saidThat my funds are available. XXXX bills including my mortgagePayment were denied payment even though the money isIn the account. As an alternative I attempted to transfer theMoney to my Citibank credit card so I could pay the bills that wayHoping that it might be faster now that I am behind on my bills. 
This was denied as well. 
I called into Citibanks customer service who told me I needed to goInto a Citibank location for resolution. Problem is theyDo not have a location in XXXX where I live and do not haveOne in XXXX or XXXX. So unless I buy a plane ticket the onlyOther way for me to access my own money in my checking accountIs to write a letter to Citibank requesting access. This is the most ridiculousSolution I have ever been given to access my own money. 
My account was not overdrawn when I made the deposit and myCitibank credit card has always been on time and is also in good standing. 
The Citibank Customer service agent would not give me any reasonWhy my account is on hold. She also refused to give me anyFurther escalation phone number including a number for their '' Office of the President '' so I could make a formal complaint. 
So at the end of the call with XXXX in checking on an accountThat is good standing as well as a credit card I am left with writing a letter. 
That is completely unacceptable resolution to a consumer and I amAsking for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: ERC
State: CO

Complaint narrative:
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! 
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX Prepaid card purchased by my company in XX/XX/XXXX and handed out to employees at a sales training event. Card has been in my possession since I received it. I did not attempt to the use card until XX/XX/XXXX. Merchant declined the card due to {$0.00} balance. Called AMEX and found out the card was used at a gas station in XXXX XX/XX/XXXX. I live in XXXX, XXXX and have never been to XXXX. AMEX tells me they can not do anything. They tried to give me the phone # of the merchant in XXXX which was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I recently was going over my credit report and I found a unverified account from MIDLAND FUNDING LLC # XXXXI have never done business with MIDLAND FUNDING LLC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Enhanced Recovery Co.LLC purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 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: TX

Complaint narrative:
Midland Funding is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I was taken to the hospital via ambulance after being involved in a car accident. I was on XXXX VA XXXX from a follow up of a surgery, when I was in a car that was struck by a speeder on the side of the car where I was sitting. The impact XXXX I had at the VA hospital. I was taken directly to the emergency room, my mother was with me and told the doctor I am a veteran, I also had on the wristband from the VA hospital because I was on my way home before being in the accident. I never made it home, obviously. 
So months after the accident I received a call from a collection company about this bill. I told them they must have been mistaken because I was a passenger in the vehicle, and the insurance was supposed to pay the entire amount of the bill, I did not have a car at that time and did not, have auto insurance, nor did I have health insurance because I was not working so I was covered under the veteran medical coverage due to my low income. Normally if a veteran enters a civilian hospital with no insurance the civilian hospital is required to contact the nearest veteran hospital within XXXX hours from time of arrival to either make arrangements to have the veteran transported to the nearest VA facility or to inform the VA that they have XXXX of their patients so they can share the medical records and billing. This was not done when I was a patient at the hospital, in fact the hospital did not even send me a bill after the insurance paid them. It was months later ( at least 6 months ) that I got a call from the collection company. The following is a link from the Dept. of Veterans Affairs website " XXXX 2001, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/11 with a XXXX balance and transfer to collection agency without my knowledge and for no specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had some medical service performed several months ago. I see on my insurer 's web site that the insurance company has paid their portion of the bill. I have been waiting for a bill enumerating the service performed and what I owe. Instead I have received a notice from a collection agency that my payment is overdue. When attempting to call the collection agency to explain, they do not answer the telephone. This collection agency is Transworld Systems located in XXXX, PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
My brother XXXX XXXX called me stating a male debt collector called trying to verify my information over the phone. My brother told him he had the wrong number, that they were trying to reach me, his sister XXXX XXXX, not his wife, who is also named XXXX XXXX. The debt collector then proceeded to report my specific account information to my brother XXXX credit card name, amount in collections, etc. ) and gave him the return number and extension to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or stop All contacts and All actions related to debt. OR voluntarily agree to certain fines. But, their response was more printouts of payments schedules & the Actions of Foreclosure, instead. The mortgage Violations are evidence of Fraud on the part of the Mortgage Co. and follows to any Assigned Trust or company. According to the Audit, the mortgage Violated many FTC and other laws, which makes it a Fraudulent.Debt. and Fraudelulent Foreclosure. 
I am attaching the following documents to support this claim : 1. Copy of the independent Forensic Loan Audit 2. Copy of partial list of Mulltiple Calls from Mortgage Company with some related letters. 
3. Copy of fax ( dated XXXX/XXXX/2014 ) Requesting a Validation of the Mortgage and Note to identify true " Holder ( s ) of the Note ''. 
4. Copy of the Mortgage Company 's Responses dated XXXX/XXXX/2014 ) to request for " Holders of the Note '', OR to agree to fines if unable to stop all contact & actions related to the debt.. 
5. Copy of some of the continued contacts & actions related to the debt, after failure to Valiidation of the Debt., by mortgage company.

Company response to consumer: Closed with explanation