vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?! 
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24 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: FL

Complaint narrative:
First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express sold my XXXX Am Ex card to XXXX XXXX without my agreement or signature. Interest rates and fee terms are changing in favor of XXXX XXXX. APY are rising 2 %, pay cycle is shorter, and additional annual fee requirement forces me to maintain XXXX membership to avoid this fee. 
Calls to Am Ex and XXXX resulted in " there is nothing we can do, call [ the other company ] ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They continuously called me and asked for my information. I would deny, they called my wife and she said yes she was my wife. she was then told why i hadnt paid a debt to XXXX over 6 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express refuses to to listen to us about payment they say we owe the. 
We keep getting statements adding in interest, and it just keep getting higher. 
We owe them nothing, and we have the canceled bank checks to prove it. 
They will not give us a fax number to send them in so they can see for themselves.

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

Complaint narrative:
I opened an American Express Blue Cash Everyday credit card XX/XX/XXXX, through the American Express website. The credit card offer disclosures promised that I would be given a {$250.00} statement credit if I spent {$1000.00} on the card within the first 90 days of opening. The credit was promised to be given 6-8 weeks after the spend qualification was met. I satisfied the spending requirement just eight days after opening my account, but it has now been almost three months since and I have yet to receive the promised statement credit. This seems like a gross violation of regulations prohibiting unfair, deceptive, and abusive acts and practices ( UDAAP ). Specifically, American Express failed to deliver on an advertised promise. An established financial institution such as American Express should continuously be validating that every customer who has met the spend requirement has been given the promised reward, without fail. Clearly American Express is not doing such rigorous validation, as my reward was not paid out during the promised window of 6-8 weeks. Consumers should be wary of opening American Express credit card accounts where rewards are promised, as there appear to be gaps at American Express in delivering on those promises. Even after contacting the company to inquire about my reward, and the customer service agent acknowledged that indeed my reward had not been paid out despite my meeting the spend requirement, I was told that an investigation would need to be conducted and would take another 7-8 days before any further action ( if any ) would be taken by American Express. If it was obvious to the agent that the reward delivery had been missed, it seems like the agent should 've given me the statement credit immediately. The additional delay seems unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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:
I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 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: FL

Complaint narrative:
There is a XXXX account listed on my credit file as if I had a credit card and did n't pay in the last couple of year which is NOT accurate. I have disputed this several times and only received a collection notice which is not validation. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 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: NJ

Complaint narrative:
Asset Acceptance based in XXXX, XXXX is a debt collection agency that has now attempted to ( and partially succeeded ) in collecting funds from my bank account via levy, on three separate occasions. I can provide paperwork and exact dates of each levy attempted, as needed. 

This debt was based on a XXXX XXXX XXXX credit card that was last paid XX/XX/XXXX. The 90 day window for the time of delinquency puts the date at XX/XX/XXXX from when the attempt for debt to be collected began. 

The statute of limitation in my home state ( XXXX ) regarding oral or written contracts is six years. As of the current date, This debt has not been collected for seven years and five months. 

The only correspondence received was from XXXX County courts, alerting me that funds were attempted to be collected from my bank account. When contacting the courts I was given a phone number with voicemail to contact. After leaving voicemail on three occasions, no return calls were ever made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I was under the impression that they were going to remove it off my reports. They said after it was paid that they would remove it. But its still reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: FL

Complaint narrative:
I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX XXXX Court today. I have done research on the Plaintiff, Asset Acceptance and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX child on less than {$500.00} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at one time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: FL

Complaint narrative:
I disagree with the original response Re : Case # : XXXX, re disputed with no response, how can one statement showing XXXX min payment of {$1900.00} owed validate an account that is against me. I have rights to, where is the initial contract, the validation of when the last payment was made on this account etc. I do not agree with this copy of one statement in court can validate an account. If fraud happen and you provided one statement this does n't help any of the parties. Your response I do not agree with and your company has failed to provide me validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding continues to report an account that was previously removed from my credit report in XXXX. I have sent certified letters that have been ignored/returned to sender ( see attached copy ) and have no other way of contacting Midland. They ignore my letters and are not cooperating in investigating this issue. This is false reporting/inaccurate reporting and they need to remove it. My next step is small claims court. My current Credit Report, which was pulled today lists the following under XXXX and XXXX : MIDLAND FUNDING LLC {$570.00} {$0.00} XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # 1 {$570.00} Balance XXXX XXXX Original Creditor The same report shows this account closed on XXXX XXXX, XXXX, therefore Midland reopened a closed case, which is against FCRA requlations according to the FCRA website. 
MIDLAND FUNDING LLC XXXX XXXX, XXXX XXXX Please advise what my rights are as a consumer so I can get this taken off my credit reports. They continue to file false info after removing the same account. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 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: TX

Complaint narrative:
I received a call from XXXX XXXX with XXXX XXXX. He and his staff have used abusive collection tactics on a debt that is over XXXX XXXX XXXX. I have been threatened about a legal document, being sued, garnishing my wages and placing a lien on my XXXX XXXX or auto. Sued without any notification, calling my job and telling them its an attempt to collect a debt. This is the 3rd and final attempt and they will seek legal action, telling a family member to tell me to put my big girl XXXX on. Calls from XXXX XXXX, XXXX XXXX leaving voice mail messages stating the same thing. HR department forwarding messages of XXXX XXXX calling stating personal stuff about my business. XXXX, employee in the legal department telling me that she will take all of my paychecks, that I do n't pay my bills and let 's see how I like it when they take my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XXXX, 2015, I received an unsolicited written offer from American Express to apply for their " Blue Cash '' credit card and, if used for over {$500.00} in the first three months, I would receive a reward bonus of {$100.00}. I have been an excellent AMEX card customer for 15+ years and have never missed making all payments in a timely manner. I used the new card for $ XXXX in the first month, but did not receive the {$100.00} bonus reward. Over the last two months, I have made XXXX inquiries and have been told they were making a 6-8 week " investigation '' of the issue. Now they said they will not honor the offer I received but would give me a {$50.00} credit because I have been a " good '' customer. I refused this offer based on the principle of them not honoring the original offer that was extended to me to open the new card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: NV

Complaint narrative:
This company continues to call my place of employment a few times a week after they have been told I can not accept personal calls at work.

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
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XXXX XXXX, 2015, Wells Fargo Home Mortgage gave me a pay off amount of {$110000.00} and this amount was good through XXXX XXXX, 2015. XXXX XXXX XXXX requested from Wells Fargo {$430.00} from my escrow account and according to XXXX, employee at Wells Fargo, They issued the money to XXXX XXXX XXXX. Today, I questioned why Wells Fargo gave my escrow money to a party that was not authorized by me to use my escrow account, and he did not know. XXXX XXXX XXXX requested my escrow account and it was issued to them I was never informed of this prior to happening. Wells Fargo has since changed my pay-off amount to XXXX. XXXX XXXX XXXX stated that the payoff was sent to Wells Fargo Home Mortgage on time. There should not have been an additional {$220.00} interest charged to my pay-off. Also as of XXXX XXXX, 2015, I had changed Insurance companies and Wells Fargo was notified but never paid my new company the premium and I found out that XXXX had cancelled my insurance after no response from Wells Fargo, therefore I was not insured from XXXX XXXX, 2015 through XXXX XXXX, 2015, and was not notified. 

My XXXX Statement from Wells Fargo the escrow was XXXX which they gave to XXXX XXXX XXXX and my XXXX escrow would have been approximately {$320.00} which they took {$220.00} as additional interest. Since when can a financial Institutions just transfer my money to another financial institution without my permission. Wells Fargo and XXXX XXXX XXXX are not concerned for my welfare as a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been trying to obtain a modification of my loan with Wells Fargo since XXXX. I am a nurse who lost her job during the recession In XXXX I started working again but Wells Fargo denied my modification because they said my income was too low. My income has approved and late XXXX they approved a modification but the payment was almost the same as my previous payment of {$3900.00}. Wells Fargo tells me that the investor only allows XXXX try at a modification. My house is set for sale XXXX XXXX. I look at my modification attempt in late XXXX as a continuing XXXX because the previous amount was too high. We could not afford it. We could afford {$3000.00}

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 explanation