vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MCM and I agreed to settle a debt by my paying XXXX installments of {$130.00} each. I made the first payment on XXXX/XXXX/15. MCM then sent me a statement dated XXXX/XXXX/15 that reported no application of my payment. The balance remained the same. I then had several phone calls with MCM to find out what happened to my {$130.00}. I was told that there was no record of said payment. I was told that a a manager would call me, but never received such call. I was also connected to a phone system that hung up on me. 
MCM last contacted me via a statement that was sent to an address at which no one in my family has ever resided. The statement is dated XXXX/XXXX/15 and contains a totally false account balance. However, it did disclose what happened to my {$130.00}. The XXXX/XXXX/15 balance is precisely {$130.00} greater than the XXXX/XXXX/15 statement balance. Incredibly, MCM increased the balance by the payment I made!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express arbitrarily lowered my credit limit from {$11000.00} to XXXX, only {$190.00} above my current balance of {$4300.00}, effectively making the card unusable for future purchases, and based upon the next billing payment, would effectively force me to go over the credit limit. This not only affects current spending ability, but seriously lowers my credit score since debt to available credit is now a much higher percentage. Credit card companies should not be able to do this to hurt consumers. American express did this to me once before back in 2008 during the financial crisis. I have never been late or missed a payment on ANY of my credit cards or other credit related instruments in 17 years, the length of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been issued XXXX different wage garnishments on debts that are older then 4 years. They are over 7 years old and the collection agency has issued a wage garnishment to my employer for these debts. XXXX has been paid thru the wage-garnishment and just received a new wage garnishment for the other debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Went in for XXXX on my XXXX under a health care provider that my Insurance covered. After an attempt himself to fix the issue my doctor had stated that it was imperative to get the XXXX done at XXXX. Being that it was the doctor requesting the XXXX it was a necessary measure. At first contact with XXXX I was astonished to hear that I had owed them a large sum of money. I am a XXXX student whom barely can afford to eat and have no way of paying off a medical bill like that. In initial talks with XXXX ( Current insurance provider ) they told me XXXX separate times that it was an XXXX and that they were not able to cover costs. I told them what had happened and assured them that it was the doctor 's wishes and not an XXXX. After the first, of XXXX failed attempts, to get it handled with XXXX I reached out to XXXX. I explained the situation to them and they told me they ca n't do anything about what kind of XXXX the doctor lists it as. Throughout my care I was passed along to XXXX or XXXX different physicians and I know that somewhere in the mix someone decided to list it as an XXXX. Additionally I went in to the XXXX being told that my insurance would cover costs and not once did I ever sign a patient responsibility form or have XXXX mentioned. My provider first hand did not adequately disclose the cost of service to me nor would they allow me to check on cost before hand. 

In my personal and professional opinion I do not owe XXXX or the collection agency any money what so ever. This debt was obviously sold off by XXXX to the highest bidder and I am sure that both parties are now profiting considering a medical organization would just write this off on their taxes. If this debt was transferred to a debt collection agency along with XXXX claiming a " loss '' on their income statement I am sure that I could take them both to court for tax fraud. I am prepared to do what it takes to get this off my record because I have maintained a decent credit history regardless of my many bills and debts I have taken out to provide myself with a quality education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have never had a credit card before and whenever I apply for a student card I am always denied. The company did not send me a letter or email regarding the reasons why I was denied a credit card. I have a fairly large amount of money in my savings account but the companies do not even ask for the amount that you currently have. They ask for the gross income amount. Most college students do not have a permanent job and are mostly seasonal employees. I do not see what the issue is with my current financial information given to them. I even contacted a credit report company to see if something is wrong with my credit score even though I 've never had a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 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: PAID IN FULL, INC.
State: AZ

Complaint narrative:
I was an XXXX, ( XXXX ). Under the corporation, we leased an office. We closed the doors on the corporation a few years later due to the economy crash. We held on as long as we could but ultimately had to close up shop. The corporation had a balance left on the building lease and leasing company decided to send it to collections under my personal credit file. We opened the lease under the umbrella of the corporation and my personal credit should not have been damaged. " Paid in Full collection agency '' is the name of the collection agency coming after me for the corporate debt.

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

Complaint narrative:
As of XXXX/XXXX/XXXX I have been paying XXXX XXXX XXXX XXXX on an old debt. MY last payment was on XXXX/XXXX/XXXX. When I called XXXX concerned about my balance on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX because I owed no more payments.I have been paying on this for 5 years. They refused to see my pay records and did n't want to speak to me and said they sent to the account back to XXXX XXXX. So i called XXXX and they said they have not received any information from central credit services. In the mean time I come in contact with Midland credit Management. This is who central credit service supposedly sent my account to not XXXX ... .another debt collector. I was informed by Midland that they have had my account since XX/XX/XXXX. I have never heard of this business. Furthermore I have never received not one stitch of paperwork from Midland credit management saying that they had my debt or that I owed any money to them ever. I have my pay record from the very beginning of XXXX/XXXX/XXXX when i started paying central credit services and for the rest of the 5 years that i have been paying central credit services. I have NEVER paid any payments to a midland and have never had any correspndence from them. I have only had correspondence from XXXX, XXXX. and my pay record will reflect that and all the payments that went to them with the trace #. i think its very strange that when i called about concern for my account they handed my account to this other company and somehow I have a balance again. I have also been in contact with XXXX from XXXX XXXX and have all that correspondence too. I filed a FTC complaint against XXXX, XXXX and now i want to file a complaint with Midland as I have never heard from this company and there records are incorrect. I will attach XXXX bank statement from every year showing I have always paid XXXX, XXXX and have had no dealings with Midland and my account should be XXXX. If you should need anymore statements please contact me as I have every single one of them on hand and ready to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
The institution in question mailed me a bill for {$56.00} after my visit which I had pay my co-pay. The statement had no due date and was payable by check, on XX/XX/2016 I paid the balance in full. Then on XX/XX/2016 after the balance was paid in full the institutions sent me to collections ; which now reflects a collection case on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX. 
A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account. 
Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report. 
That lead me to dig up all my papers and look into whats going on. 
This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer. 
How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again. 

I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH

Complaint narrative:
HSBC this account was closed back in 2008 and it still appears on my credit report, I 'd like to have it removed since it is well past the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I borrowed {$700.00} on XXXX from a company called North Cash and I knew that it would be an expensive loan if I did n't pay it off early. The representative even stated that if I were to pay the loan off early I would save significantly on finance charges. The finance charges that I am being charged are {$190.00} every two weeks. I called in early XXXX to get my pay off balance and was told at that point that the payoff amount would be over {$800.00} ( ca n't remember the exact amount ). I was confused because at this point I had already paid over {$900.00} towards the loan and I could n't understand why the balance was more that the amount I borrowed.I had a family emergency that came up around that time so I was n't in a head space to follow up on that conversation. I have paid {$190.00} every two weeks since XXXX and when I called to get the pay off balance on XXXX I was told that I would have to pay over {$900.00} to pay the loan off. When I asked how that was possible the representative told me that I still would be responsible the remaining interest on the loan and I just do n't understand! When I crunch the numbers what she told me is incorrect about owing the remaining interest because the amount would be much more, but I also do n't understand how she came up with the amount that she gave to me. I 've worked very hard to get my credit back up to the mid XXXX 's so I do n't want to do anything that will cause a blemish, but it just seems like this is n't legal what North Cash is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Hello, On XXXX XXXX, 2016, I applied and was approved for an American Express XXXX Card, which included a XXXX point bonus after spending {$10000.00}. On XXXX XXXX, 2016, I completed the spending requirement and was awarded the XXXX bonus. On several different dates over the next several months, I attempted to transfer points out of my account to various airlines. However, each time I was given an error message and told to call American Express. Each time I was told my account was " under review '' as I had recently completed a bonus award and those points " had to sit in my account '' for a certain period of time but I was never given a definite date the points would be available. Most recently, on XXXX XXXX, 2016, I once again attempted to transfer points out of my account and was given the same error message and the same explanation when I called American Express. However, this time they promised my points would be available for transfer on XXXX XXXX. Today, XXXX XXXX, I once again attempted to transfer points and once again when I spoke to American Express they said they would have someone look into it and call me back. This is unacceptable and a practice I 've heard they are doing to many others as well. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Platinum Holdings Group, LLC
State: KS

Complaint narrative:
I got a line of credit through XXXX XXXX on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the XXXX in XX/XX/XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named Premium Asset Services and want to collect a debt I had acquired with XXXX XXXX. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in two weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my XXXX for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I requested a credit line increase after my credit line was cut by {$10000.00}. I was instructed to upload VERY sensitive financial information to the American Express XXXX site. I uploaded those documents on XXXX XXXX. I called on XXXX XXXX and the representative told me the documents had been lost due to a " technical error '' and I was instructed to upload again. I was also instructed to call the company in XXXX hours to confirm the receipt of the documents. I re-uploaded the documents on XXXX XXXX and called back in on XXXX XXXX and American Express could still not confirm if any of the VERY sensitive information had been received. They refused to let me talk to anyone in the underwriting department to verify that my VERY sensitive information was with the right people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I have an old XXXX XXXX account from Household Finance ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). XXXX XXXX has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. XXXX XXXX has violated my rights as a consumer and deployed terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against XXXX XXXX : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.

Company response to consumer: Closed with explanation