vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have direct deposit with Bluebird Amex prepaid card. On XXXX XXXX I tried to pay my XXXX XXXX cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the XXXX transaction, the rep of XXXX, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold XXXX {$71.00} declined transaction. This is my paycheck, {$350.00} of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have XXXX and it should be XXXX approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with XXXX they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am not sure if this falls within your scope, but American Express has refused to help me because I can not get a driver 's license as I am legally XXXX. I have attempted to get my name changed to my legal ( married ) name for 2 weeks. I have provided them with a copy of my state issued ID card, which has worked fine for everywhere else, but they refuse to accept it because Arizona ID cards do not have expiration dates on them. They have lied to me multiple times, claiming they emailed me ( They did n't ), that their systems were down ( Hard to believe ) and that I would get a call back from a manager ( I have n't ). All I want is for them to not treat me differently because I am physically incapable of getting a driver 's license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased. 

This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 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: LTD Financial Services, L.P.
State: OH

Complaint narrative:
I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or above XXXX XXXX, 2016 I closed a saving account with Citi Bank located at XXXX XXXX XXXX XXXX NY XXXX. On XXXX XXXX, 2016 I received a promotion offer # XXXX to open a citi gold account and earn XXXX thank you point equal with {$500.00} gift card. On same day I went to citi bank branch address above but associate costumer service unknown name refused to open account who later called his branch manager XXXX XXXX XXXX who disrespectfully and arrogantly stated " I do n't allowed my employee to open account for you because you just closed one last month. I said that saving account has nothing to do with this promotion. he disrespectfully said : I 'm the boss and I 'm not allowed him to open an account for you just because you closed an account with us last month. I stated that I will file a complain against you and legal action. he aid " Go ahead and do it '' On same day I called citi bank and filed a complaint with XXXX XXXX ID # XXXX I asked for reference number she said that the system do not generate a complain reference number. On XXXX XXXX 2016 I called to find out the status of my complaint but my complain no where to be found. The costumer service filed another complain with reference # XXXX On XXXX XXXX 2016 I called back to find out the status of my complain which seem to be a dummy reference number. I filed another complain with XXXX XXXX reference # XXXX stated " do not think that they will fire branch manager just for that. On XXXX XXXX 2016 I called citi bank to find out about my complain. they said do not call any more citi bank executive manager will follow this matter. I said do I expect to receive any formal respond they said no.

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
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express advertises " Earn a {$100.00} statement credit after you make a Delta Purchase with your new card within the first three months ''. I called both Delta and AmEx and verified the validity of the merchant, " XXXX '' and made a qualifying purchase. Now, AmEx Rep XXXX XXXX XXXX says the purchase is invalid. I say this is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX collection agency This company calls using a robo-caller and when I answer, the line is dead ; no one is on the line. We have been getting these and other calls for about two months. I called the number back and got this information. I have no debt for collection. My best guess is that I just got this new phone number and maybe the previous owner of the phone number was a deadbeat, not me.

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

Complaint narrative:
This company started calling me about 6 months ago and has progressed to the point where they now call me every day. They also call my parents home several times a week. They leave threatening and harassing messages claiming that there have been several cases of fraudulent activity attached to my social security number. They state that they will be filing XXXX charges in my county against me but that if I call them within 24 hours, that we can resolve the matter. 
I have called this company back at the number they leave on more than XXXX occasions and have spoken with individuals who claim they attorneys working for a bank. I discovered that they are trying to collect on a debt that I had more than 10 years ago with a bank who had issued me a credit card. I had filed a chapter XXXX bankruptcy in 2009 in which this debt was included. I have all of the paperwork from my attorneys and the Court which clearly show this debt and also show that the information was sent to the bank. I have told the individuals from this company that I had filed bankruptcy and this debt was included. I have given them my bankruptcy attorneys contact information and have told them that it is illegal to contact me about this " debt '' and that they were harassing me and attempting to defraud me by making and repeatedly leaving messages regarding false claims against me. I have told them this over XXXX times that I have spoken with them. Since then, I have over XXXX recordings of messages from them. They are calling me every single day, sometimes multiple times a day and they continue to harass my parents as well. I have n't lived with my parents in over 35 years and why they continue to call them can only be for nefarious purposes. My parents have spoken with individuals from this company and have told them that I dont live there and asked them to please stop calling and harassing them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I, XXXX XXXX am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic. I also requested that Midland immediately cease any further communication regarding debts allegedly owed by me in my original CFPB complaint submitted in XXXX of this year, however I continue to receive threatening letters in spite of my request to cease all communication. This is harassment and a violation of the FDCPA. I am a senior citizen and in poor health and this is taking its toll on me. It 's unfortunate that Midland can get away with completely ignoring my complaint and requests. This debt collector is clearly predatory and takes advantage of unknowing victims. I am asking one last time for a dignified response and for Midland to take action to close and disassociate any accounts tied to my name or social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
midland funding llc, through their attorneys XXXX XXXX XXXXhave been calling my home number constantly for the past several days, in the afternoon, their phone number is not being displayed on my caller ID, they are in direct violation of Harrasement # XXXX XXXX Paragraphs XXXX & XXXX they are attempting to collect a debt ( credit Card ) that is XXXX years old since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Called and threatened jail time for a payday loan I never had. Explained to them I have not worked since XX/XX/XXXX. I 'm XXXX. Told me I took out a loan in XX/XX/XXXX. I asked them to send verification in the mail. Told me they ca n't. They hung up on me and told me good luck, you will need it. Then they called my XXXX year old mother in law and threatened her. I have not taken out any loans at all. They have all my private information as well. I have also recently had XXXX of my credit cards hacked and used as well as someone trying to steal income tax return. I received a letter from the IRS warning me of hackers. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX I received a collection notice from Transworld Systems Inc. attempting to collect a debt from a creditor named XXXX XXXX. Upon contacting Transworld Systems Inc . I learned that XXXX XXXX is an anesthesiologist group. On XX/XX/XXXX I had a XXXX at a facility that was approved by XXXX XXXX. This medical procedure is covered XXXX % with our company 's medical plan. I was never notified of any outstanding balances from any doctors, labs or the facility until this collection letter on XX/XX/XXXX. When I contacted the agent for XXXX XXXX she stated that XXXX XXXX was not on XXXX XXXX approved list. XX/XX/XXXX I contacted the Dr. 's office and was told by the insurance person that it was n't their responsibility to check to see if the XXXX is on an approved insurance list. She also stated she has received approx. XXXX calls relating to these collection letters. During her attempts to contact XXXX XXXX she found out that this company went bankrupt therefore all telephone # 's were disconnected and that Transworld Systems Inc. refused to disclose any information to the Dr 's office. In the remarks column on my claims & statements from XXXX XXXX it states " SERVICE NOT COVERED NO AUTH - PROVIDER RESPONSIBILITY. Prior to my procedure the Dr 's office assured me that my procedure was covered by XXXX XXXX as well as their facility and Dr 's. I do not believe it is the patients responsibility to have to further check to see if anyone or anything else is n't covered. Another factor that I noticed is that the amount Transworld Systems Inc. is attempting to collect is {$530.00}. The actual unpaid bill that was submitted to XXXX XXXX was for {$510.00} discounted to {$240.00} with the member discount. The {$530.00} is not my responsibility nor do I intend to pay it. If I had this procedure done at a hospital it would not be up to me to check out if each medical dr. or lab is covered by my health insurance. The hospital submits the insurance information and gets the approval to go forward with all procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Over 60 phone calls in a 3 day period and harassment of my children if they happen to answer. They constantly ignore when told to cease all communication..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This card was originally loaded with XXXX. I must have misplaced it and forgotten about it. I recently located it and checked the balance. It is now XXXX. The card expired XX/XX/XXXX. I called and was told they will not reissue a card and I now am unable to collect the XXXX. That is wrong. I understand about the XXXX monthly rip off fee. I should be able to collect the remaining XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XXXX XXXX 2016 Bluebird By American Express locked my DEBIT card out due to a credit added to my account, they said that was against their policy which I figured was not due to you can transfer money from XXXX account to another you can have direct deposit from an employer. I am a XXXX and I had a client which I replaced a part on his truck he bought the part cash and he gave me the old part to turn in for a credit which was how he paid me for the labor, I went to the vendor that he bought it from and they issued me a credit seems I did not have an account with them they needed to put it on a bank card or credit card, at the time the only card I had was my BLUEBIRD by American Express card which I felt was ok to do. Now Bluebird has been saying this is under review for the past month the last time I talked to them was XXXX XXXX 2016 they stated they reviewed it and they would be sending the funds back to the merchant, I called the merchant to tell them to be on the lookout for the funds to be returned and they have seen nothing, now the BLUEBIRD people stated give them 5-7 business days. So as I am writing this this have me on hold been15 minutes. But the transaction was done on XXXX XXXX 2016 and they locked my card out on the XXXX of XXXX, I have called them at least 15 times, they wanted a letter sent to some address in Utah which I paid {$18.00} to get XXXX here next day, there was a receipt from vendor so I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I became an authorized user WITHOUT MY APPROVAL on my mother 's American Express credit card. 
The account is now closed however the bad credit still appears on my credit history. 
I called American Express and they seem to have dropped it from my credit history. 
The XXXX credit reporting companies I 'm referring to are : XXXX and XXXX. 
XXXX seems to have gotten the memo -- they erased my credit history on the card. 
HOWEVER, XXXX HAS NOT. They still seem to think that I owned the account. 
Please contact American Express as well as XXXX AND TELL THEM THAT THIS IS NOT MY ACCOUNT AND I WANT THE CREDIT HISTORY COMPLETELY ERASED. 
Note : I just applied for a XXXX XXXX XXXX credit-card, and got approved. TELL THEM TO LEAVE THAT ONE ALONE BUT CANCEL THE AMERICAN EXPRESS CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Today on XXXX/XXXX/2016, I received an email stating that my American Express Serve account is being closed due to " unusual usage patterns. '' I have used Serve with full intent to pay credit card bills, water bills, gas bills, property tax, school tax, rent, XXXX fees, and other bills. In fact, the tax office is still waiting on the Serve bill payments that I requested to be sent on XXXX/XXXX/16. 

By closing my account, I will not have a way to pay my bills on time. What I loved about Serve was the ability to load money via credit card or debit card quickly and the funds would arrive immediately. It was more convenient that the bank transfer method that takes several business days. It was also more reliable than work XXXX XXXX. There is no activity that is inconsistent with the intended use of the account. Serve has been so great to me. 

As a servicemember and current American Express cardholder, I am often told that American Express has our backs, no matter the issue. But this is not the case, and this was a slap to the face to all of us serving.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 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: CA

Complaint narrative:
Midland Financial ( Case number : XXXX ) stated they were closing the account on XX/XX/2016 and as of today they have not closed or advised credit bureaus. This still shows on all three credit bureaus. They need to follow through and close it as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, American Express Credit card Reported my credit Bureau NEGATIVELY and hit with XXXX Point down and i do not know why!!! I oay bill in time never had a late payment with them, my account has a good standing even they can tell you that. So please make a good investigation with them. 
Also i Attached picture for my credit report with XXXX and XXXX report for whta they did. 
Thank you

Company response to consumer: Closed with explanation