vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My name is XXXX XXXX. I have been a loyal customer of American Express from a long time. Recently I came across with an incident. I tried hard but nobody in the organization would listen or reply in writing. 
I got a refereed E-Mail ( American Express ) to apply for a XXXX XXXX Credit Card.I have pasted the referral process and the bonus as outlined in the next paragraph. 

As a reminder, here is how the referral process works : Each friend will receive an email, with a special offer for the Card you referred. Your friend may not receive this email if they have previously " opted out '' of receiving email marketing communication from American Express. 




Your friend must apply for the Card through the link in the email and be approved in order for you to earn your Referral Bonus. 




Please allow XXXX8 weeks for your Referral Bonus to post to your account after each referred friend is approved for the Card. 




Due to the confidential nature of the credit approval process, you will not be notified whether we approve or decline any application ( s ) from individual ( s ) you refer. 




The Card you refer must be active in order for you to receive your Referral Bonus. 




If your friend is not approved for or already has the Card you referred, no bonus will be awarded. 

Welcome bonus Earn 60,000 Bonus Miles with the XXXX Credit Card and XXXX Qualification Miles XXXX after spending {$2000.00} in purchases on your new Card in your first 3 months, and a {$100.00} Statement Credit after you make a XXXX purchase on your new Card within your first 3 months. 
Special Offer Expires on XXXX I applied for the Card and got the Card. I also met all the requirements. Now American Express refused to honour their part and did not give the required bonus. I had another American Express. In the E-Mail I DID NOT FIND ANYWHERE IT SAYS THAT I CAN NOT HAVE ANOTHER AMERICAN EXPRESS CARD OR I AM NOT ELIGIBLE FOR BONUS IF I HAVE AN AMERICAN EXPRESS CARD.IF IT IS HIDDEN SOMEWHERE THAN AMERICAN EXPRESS IN NOT TRANSPARENT. 
Also the employees at the customer service are rude and unprofessional They will not investigate the issue and reply. They just say it is a XXXX issue.If it is a XXXX issue than it is clear.I hope your fine organization will investigate and implement changes if required. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has reduced the number of days before payment is due in full. They went from essentially an end of the month ( last day of the month ) to a 25 day payment period from closing date. As an example, if your closing date was on XX/XX/XXXX, payment would be due in full on XX/XX/XXXX. This is a change that only benefits American express and not their customers and is a way to increase late fees and other charges. American Express knows that most people get paid on the last day of the month and that is how they budget their credit card payments. Now by moving it up, they know individuals will incur late fees as they will not be able to pay the balance until they are paid from their employer. This type of change is just a farce and unethical in my opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AMEX had decided to lower my credit limit by {$3000.00}, from approximately {$9000.00} to {$6000.00}, thus placing the card which already had a {$6000.00} balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the XXXX different individuals, a regular representative, a credit line representative and their supervisor. I was told by all XXXX that they made the determination based off of XXXX late payments. To my knowledge all under 30-day lates. I should mention, I am a retired XXXX veteran, and I am a full-time student, which caused my 10-day late payments as I 'm on an extremely tight income. Notwithstanding, I paid my bill in XXXX and I paid XXXX 's bill on the XXXX. To my knowledge, I was only 10-days late on those payments, not XXXX, XXXX or 90-day late payments. The AMEX representatives told me that the reason for their actions were because they opened up an investigation on my account ( again without my knowledge ), pulled my XXXX score and credit report ( also, unbeknown to me ), and made this determination without forewarning or notification. To my knowledge, I had not received any form of notification that they were even considering these drastic of actions neither in writing or by phone. Also, to my knowledge, I was n't afforded any of the protections under the Truth in Lending Act, specifically Credit Card Act of XXXX, where companies are required to notify the customer in writing if they are going to impact the customer 's credit, pull credit scores without the consumer 's expressed permission, change the terms of the agreement, which ultimately adversely impacts the consumer. All of these apply to my situation. An AMEX representative told me that the only way my credit line could be reinstitute, thus pulling me out of a maxed-out credit card position would be to give them my bank account information, my XXXX, all other sources of income and all savings and government pensions I may be receiving. Specifically, Proof of Income, Proof of Financial Assets, all sources of employment, OR, give them {$3500.00} by XXXX XXXX to have my credit line and thus credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: PA

Complaint narrative:
I sent this collection agency as well as the credit bureaus dispute letters regarding this account. i pointed out that i do not know what this account is and it is not mine. I also pointed out that Midland credit management was illegally adding interest and fees after the account had been charged off and sold to another company. I sent a bunch of disputes over and over some were certified and some were not. XXXX and XXXX determined that this account was not mine and they removed it but it is still on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX 
While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided. 
XXXX has NOT sent out a new XX/XX/XXXX statement. 
I consider this very shoddy -- not to mention abrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
the person they are trying to collect from does not live or has ever lived in our home and is unknown to us. We have lived here for more than 25 years. They are trying to collect from a XXXX XXXX I have explained this over the phone numerous times and now they are sending collection mail to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have been an American Express customer since 2007. Today I was notified that a credit limit was placed on an otherwise unlimited account. 

I have not missed any payments and nothing has changed financially for me. 

Working for a XXXX, it is important that I actively manage my account. Additionally, I am up to date with institutions misrepresenting and misleading consumers. 

I contacted AMEX and they said they made the determination based on a credit bureau. I find this hard to believe since my credit score has been improving and consider very good. 

AMEX has damaged me and my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I mistakenly paid off my entire bill of $ XXXX instead of paying my regular monthly payment of {$35.00} on XXXX XXXX, 2015. Called on the XXXX to request a refund. It was granted and I was told it would be sent out the next business day. As of today, XXXX XXXX, I have not received any of the XXXX checks to be sent to XXXX different addresses. I have called countless times to request the money to be direct deposited into my account but their policy states the amount has to be {$3000.00} or more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a XXXX : banks like XXXX, XXXX XXXX XXXX, XXXX XXXX, AMEX, and XXXX claim to want or help small business like mine succeed with the needed credit or loans they need to create jobs and to help the health of the economy. I have applied to all the above banks and was turned down by every one of them despite their advertising and claims that they are here to help small businesses like mine. My personal credit was pulled without my consent and was used as a determining factor to deny credit to my business despite disclosures stating that use of my social security number was used for identification purposes only not for a credit bureau pull. The banking institutions listed have engaged in false advertising and bad business practices by using personal credit and requesting the use of social security numbers under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 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: OR

Complaint narrative:
I get repeated phone calls from Midland Credit all day, every day starting just after XXXX XXXX. until XXXX XXXX.. The only day missed was XXXX. I am retired, owe no one and have no previous unpaid debt. They may even call 5 minutes apart, but usually 3 to 6+ times throughout the day. They call Sundays starting early, too. No one else lives here. This has been going on for a year, along with all the other offshore scam calls and fake threats from the " IRS ''. My theory is the calls may relate to someone who has listed me as an emergency contact, or they are trying to scare me to try to extort money from me for a bogus claim. If they think I owe them, they should contact me by mail. They have not done so, so I can only assume they are scammers. I think these people consider the XXXX to be prey. They never leave a message, so I consider this plain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I paid XXXX however XXXX will not remove the collection because they keep telling me the Collection agency needs to tell them the debt was paid to the original creditor. The Collections agency refuses to do so even after I sent XXXX with a copy of the payment to them. XXXX has not given me a receipt they tell me that my money orders are a receipt but No I want a receipt on XXXX letterhead stating amount is paid in full. XXXX told me I am no longer on their do not rent list I do not care, I want my receipt. XXXX or Transworld Systems need to inform XXXX that I DO NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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: CA

Complaint narrative:
I noticed a collection account on my credit from Midland Credit Management or Midland Funding. I did n't know what the account was for so I contacted them by way of certified mail 3 times and I never heard back from them until I filed a complaint. 

I am writing to you again because I have not had a account with the original creditor which is XXXX. I am dealing with them directly along with another government agency. 

I am writing you because I need for the harassment to stop. They never contacted me before placing the unknown account of my credit, now that I have filed a complaint against them they are sending me letters. I will take legal action if the harassment continues or if the unknown entry remains or is re-inserted to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for an American Express Platinum card XX/XX/2016. The advertised offer claimed that after meeting {$3000.00} of spend within 3 months ( not inlcuding membership fees ), I would receive XXXX Membership Rewards points. I completed the minimum spend and received the XXXX points within 3 months. on XX/XX/2016, American Express removed the XXXX points from my account, stating that I violated terms and conditions, which I did not. I believe that American Express violated the terms of their offer and removed points that I earned without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Acct # : XXXX Yesterday my credit report was pulled and it is showing Barclays Bank is reporting to Credit Reporting Agencies that I owe {$48000.00}. 
XXXX 2011 I was granted Discharge of Debtor under Chapter XXXX Bankruptcy and this debt was included and notices were sent out by my attorneys office. 
On the credit report it not only states that I owe this debt but it also states the Account was closed at consumers request and states as 'Profit & loss '. 
It should state 'In Bankruptcy ; Chapter XXXX ; Bankruptcy discharged ' with a XXXX Balance. 
Please correct this as soon as possible. This is an extreme negative report against me that should be showing as charged off. I 'm sure your company has written this off long ago. 
If needed/necessary I have all documentation to prove my position. 
My attorney is XXXX XXXX. You can call him at XXXX and he will answer all of your questions about my case. 
Or, you can contact me at XXXX and email XXXXXXXXXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding LLC has fraudulently claimed to the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ) that they have received a Final Monetary Judgment in the Michigan Court ( XXXX XXXX XXXX District Court ) which they have not and which is completely fraudulent. This intentional fraud on their part has destroyed my Credit Rating and has caused me great monetary damages due to their intentional fraud. I have attached physical evidence. 

The Michigan Supreme Court has asked the Michigan District Courts to suspend all actions of Midland Funding LLC in their Courts while the Federal Govt. currently investigates their fraud ( I have attached the Court Case which shows this suspension by the Court ). The XXXX County Court ( XXXX District Court ) has suspended all actions by Midland Funding LLC in their Court. Despite this case never being settled and no judgment ever being granted or settled, Midland Funding LLC went ahead and fraudulently ruined my credit with the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) and fraudulently reported to all three that they had received a final judgment from this Court which is completely untrue. I have reported this fraud on their part to the Court as well. 

I would like to proceed with this Complaint and offer the CONSUMER FINANCIAL PROTECTION BUREAU this physical evidence of all the above and all of the additional claims that I have regarding this continual fraud by Midland Funding LLC. I also feel that they have no rights to this case or claims that they have purchased this debt from any Credit Card company and the dollar amount that they have claimed is fraudulent as well. I am not responsible for this debt and it is a fraudulent debt that they have reported as them being the new debt owners of. They have inflated this debt with tremendous additional charges and fees they have just added on or attached from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims with their fraudulent lawsuit from any original debt amounts. I do n't believe they legally purchased any of these debts and have no proof of their ownership of this debt and the amount is not accurate and inflated.

Company response to consumer: Closed with explanation