vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-03 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: MD

Complaint narrative:
This 3rd party debtor is Midland Funding ... I am a sick woman on XXXX my bills are more then what I get from XXXX..I have been in and out of the hospital, almost died several times. I lost my soul mate of 15 yrs XXXX XX/XX/XXXX, I had to get a work at home job to try and make ends meet, I did not know anything about this debt til they filed for garnishment of my wages which I was only notified by my job not them, then when that did n't work and I called them and they said they served me but could not describe the person they served they then sent me a letter saying they did not have to prove i signed the document for this debt, when that did n't work they tried to freeze my bank account, which my bank notified me of and I then filed a motion in court to have it thrown out, that is how I found out through the court they filed XX/XX/XXXX, I never heard or was notified of any of this. I am waiting on a court date to go to court to see if the judge will see a economical hardship or head of household hardship and have it thrown out, for them to never be able to come back at me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The American Express Company XXXX Business Credit Card has just begun to process all payments made by or from non-business ( i.e. personal ) checking accounts by XXXX and not XXXX and does not provide any opt-out or alternate method of payment whereby payments are processed by XXXX or otherwise provides for an image of the check used for payments. This violates XXXX. I am asking for you to enforce this law on American Express and require them to provide a method to process payments by XXXX and not by XXXX conversion, so that the check issuing institution will receive an image of the processed/cancelled check for me to obtain for my records as provided for by law. ( The legal " Substitute Check '' image. ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Hi, This is XXXX. I want file an complaint on American Express Credit Card. I received an offer regarding the spending offer for my XXXX ( R ) Business Card ( ending - XXXX ), and here is the offer term : 1 Limited Time Offer : To be eligible to earn the {$50.00} credit statement associated with this offer, you must be the named recipient of this invitation and you must use the Card specified on this invitation ( or an Additional or Employee Card under the Card specified on this invitation ) to make a qualifying purchase* of {$1000.00} or more between XX/XX/XXXX and XX/XX/XXXX ( " Offer Period '' ). Purchases may fall outside the Offer Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). In addition, you will not receive the statement credit associated with this offer if American Express does not receive information that identifies your transaction as qualifying for the offer. For example, your transaction will not qualify if the merchant disaggregates or splits the {$1000.00} purchase into smaller transactions. Limit one offer per Card account. This offer may not be combined with any other special offer. The {$50.00} credit statement for this offer will be credited to the XXXX only. You will receive a maximum of a {$50.00} statement credit under this offer. The {$50.00} credit statement will be credited to your account within 6-8 weeks after the qualifying charge appears on your billing statement. 

I spent more than {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, but I have n't received the {$50.00} bonus. I contacted Amex several times regarding this {$50.00} bonus. Every time Amex had a different reason. Even if the CSR said I met the requirement, but still I have n't received the {$50.00} bonus. 
Would some one please help me on this? I do think Amex should be serious to his customers!! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an item with my american express card ( with purchase protection ). Item was stolen along with the receipt. American Express 's wholly-owned insurance subsidiary is refusing to pay the claim ( increasing their profits by the amount of the claim ), on the grounds that the receipt is required. My understanding is that insurance companies are intended to use reasonable discretion on this matter -- if a receipt no longer exists, they will work with the customer to find other evidence of the purchase. In fact, a representative did advise me that I could fax in my billing statement as proof, but then they changed their mind. It 's hard to decide whether this is incompetence or outright fraud on behalf of Amex, but I will say the people seem pretty competent ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had a Corporate American Express card from my employer, XXXX XXXX XXXX. I had closed the account when I left the employer on XXXX, XXXX, 2015. The account was closed but there was a charge that got posted on my account on XXXX XXXX, 2015. There was no correspondence about that charge on my account either via email or mail. On XXXX XXXX, the account was sent to a debt collection agency. Even though, I have XXXX other cards with all information updated, the company never bothered to reach me. Additionally, I was receiving email statement, but the company never bothered to send me a statement. I would like to company in significantly improve their practices on Corporate Credit Card and practice of sending it to debt collection agency WITHOUT TRYING to REACH customer. Moreover, they added {$190.00} of late fees. This is totally out of line, given I never got any correspondence of outstanding balance!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 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: DE

Complaint narrative:
XXXX, heath care provider had an outstanding balance of XXXX from my XXXX. I was not contacted about this debt via mail or phone and was then sent to collections. Transworld systems inc is now harassing me about a debt I am will to pay but was not made aware of. XXXX admitted they had incorrect contact information for me. The mistake that was made by them has now caused my credit to be damaged and me to be harassed inappropriately. I have agreed to pay {$50.00} a month to catch this up and have done so to date. Yet my credit is still being affected and I am still being harassed. I have also been told the late fees and additional collection charges would be waived but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: PA

Complaint narrative:
Person calls almost daily about an uncollected debt from Midland XXXX XXXX. I do not have any uncollected debts and I tell him that but he keeps calling anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 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: IL

Complaint narrative:
My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with experian after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I currently use an American Express Serve card. ON XXXX I used my Serve card at the gas station. When I bought {$8.00} worth f Gas American Express transferred {$92.00} to the Serve card from my XXXX account to cover the gas. This {$92.00} transfer cost me a {$34.00} fee from XXXX. I immediately called American express to have them reverse the transfer so I would n't incur the fee and they refused. I use a prepaid card to monitor spending and avoid fees. Since American Express Serve targets poorer nonbanked communities, causing customer to incur fees seems callous and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Greetings, AMEX Card # XXXX Case # XXXX I am writing to you in behalf of Fraudulent charges made on my Prepaid American Express Card. I have lost over {$4000.00} on this card but only have the proof of {$1800.00} because the account was closed. I have provided this documentation. It was an 'Account to Account ' transaction with apparently Fraudulent names and numbers. On this Day I had a direct deposit hit at midnight for aprox {$1200.00} and also had a deposit the week prior and in the mean time uploaded {$1500.00} plus the other the funds that were in the account. I have Filed a police report ( XXXX XXXX PA Case # XXXX ) and went to my local magistrate to file a civil suit which is on hold. I was advised it would only to be a loss of time and funds without an Attorney and taking it to another level with a high instutution. Half of these transactions took place while on the phone with American Express Serve while they changed my Password and Email multiple times with mo luck of stopping the Fraudulent process. Amex told me the process would be " expedited and would have the funds returned in 3-5 business days '', 10 days being the max ''. I called after4 business days to ask where they were in the process only to find that they were still looking into it. One hour later I received an email stating that my claim was unfounded and they were closing the account. Please see the attached documents. This money was to last me until the next section of the project was to be billed in which I 'm still 6 weeks out, I have children and have bill and will be unable to keep our home if American Express does not take care of this matter immediately. I have attached the initial form to file a Civil suit which has the card/account number and the Police Case number. Obviously this is a very serious matter. I have reached out to the Pennsylvania Dept. of Banking and the F.C.C. and have been directed to you. 
Thank you in advance. If I can be of any help please call me or write me. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a credit card account with XXXX card services in XXXX. I defaulted on the credit card in XXXX. The collection agency Midland Funding continues to report this negatively on my credit report. I have filed a report with the agency and Midland that this is an old debt as there has been no activity since XXXX. Midland continues to report with activity since XXXX which is incorrect. There was no activity on this account in XXXX. The last activity was with original creditor XXXX in XXXX. This account and activity is over 7 years old. It should not continue to be on my account with XXXX and XXXX. I have filed an error report with XXXX but they continue to report this old account based on incorrect information provided by Midland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 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: AZ

Complaint narrative:
Midland Funding LLC still has a judgement attached to my credit report that was written off by the creditor in approximately XXXX. I went through the unfortunate era with many others who lost property and/or could not pay debt. The company did a charge-off. The file was purchased by Midland. They bought paper, which does not include any oral or written agreement between them and myself. Furthermore, I did research on the court status of this document. After the documents were served on me years back, I did an answer [ which shows in court records ]. I never received any further court date. When I went to both XXXX and XXXX XXXX, it showed that document never made it to a court room. Therefore, to me and others, it pointed to possible fraud. I am now XXXX years of age and in bad health and need my credit clean to move into XXXX. I have reported this company prior to this. Below are document info : XXXX {$4500.00}. Date filed XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 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: CA

Complaint narrative:
I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 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: TN

Complaint narrative:
Received a call in XX/XX/XXXX from XX/XX/XXXX from Midland saying I owed a bill now in collections. I did n't know what they meant. Checked and saw a bill from XX/XX/XXXX from XXXX that was sold to XXXX in XX/XX/XXXX or XX/XX/XXXX and then to midland. ( now I ca n't get to this original info of exact DOFD. ) In XX/XX/XXXX I am looking at XXXX XXXX and it says my last usage of this account was in XX/XX/XXXX. This is a 14 year old bill and I am not sure if it was mine as Midland will not give me any information as a result of their all a few years back. Do I have a case of re ageing? I have no documentation from XXXX to even compare to see if it is an old debt, or even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: AR

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: ID

Complaint narrative:
I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX XXXX account. I have even contact XXXX 's XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX 's XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Texas Guaranteed
State: TX

Complaint narrative:
I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
transworld has been giving me the run around and delaying on giving me the other deletion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an email from American Express Serve stating that I had a negative account balance. After reviewing purchases I noticed that serveral charges had been charged twice to my account. I called AMEX serve to try and resolve the issue only to find that XXXX could not get through to customer service due to technical difficulties. This went on Friday, Saturday, and Sunday. Sunday the issue was resolved without any notification or explanation as to what happened. Then on Monday the issue resurfaced once again and after holding for two hours I was able to get through to an agent whom blamed the store for charging my card twice although they only swiped once. After a dispute was opened I was then transferred back to the customer service department in which I would attempt to address the issue of both current and previous duplicate charges and what they could do to take care of the late fees I incurred by not having access to my funds. I was told they could do nothing and then was hung up on because I recorded the phone call. This issue first occurred from Wednesday and lasted until Sunday.

Company response to consumer: Closed with monetary relief