vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 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:
Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 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: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
XXXX KEPT CALLING ME AND TRYING TO COLLECT MY FAMILY MEMBERS BILL WITH XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express advertised on the internet if I applied for their gold credit card and was approved, I would receive XXXX points if I spent {$2000.00} within three months. I adhered to this program. but was told that I had a gold card 3 years ago and therefore was not eligible. There was nothing on the original advertisement that would exclude me on this offer, except if you read the fine print it does say " you may not be eligible if you had another card. I can understand that they would exclude me, but why did they wait until I spent over {$2400.00} to let me know of this procedure. I believe they should have disclosed to me this information at the time of approval, or at least when I received the card. I have sent many letters to other agencies, as well as the better business bureau, and have not received any additional guidance. I recently received a letter from AMEX that stated that their " research has confirmed that these terms were presented to and accepted by me during my online process '' This statement is ludicrous, why would I write so many letters to correct the situation. I certainly would not have pursued this if I had known upfront. I firmly believe they should honor their initial offering and I will pursue via letters and correspondence to other agencies if necessary. Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX issued a prepaid reward card valued at {$120.00} through American Express. CFPB guidelines say these cards never expire, and can be reinstated if they do pass a printed expiration date. I contacted American Express and they say the card can not be reinstated. The expiration date listed is XXXX 2016. 
These financial companies make the majority of their profits on lost, unclaimed, or the " past due '' feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I purchase a item the item was cancelled the store sent the money back to the card and now the company says My account has been closed due to a fraud investigation this has been ongoing for about XXXX months now when in fact me and the merchant called and talked with someone.I heard nothing from them in regards to my account, I have to keep calling them with no response besides call XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 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: CA

Complaint narrative:
I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has decreased my credit line - which in essence increases the minimum monthly amount due and may possibly cause other creditors to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am requesting a copy of the letter from Amex, sent around XXXX XXXX, that offered its sincere apologies about the confusion of the payment I 'd made to account XXXX on XXXX XXXX, XXXX. 

This letter described -- in detail -- the disposition of an overpayment of over {$300.00} from the account I held in XXXX XXXX. A portion of this overpay- ment from the credit account I 'd had in XXXX XXXX was apparently applied to my account XXXX. 

And actually, according to my records from the credit report I checked in XXXX XXXX, the overpayment was a little more than {$770.00}. I am going to work with my local bank to retrieve those records from the actual credit report. 

I am requesting a copy of this letter to sort out exactly, if anything, I owe to American Express. 

I only have a credit card for account XXXX. I have never received a credit card for this " new account '' of XXXX. I would appreciate it if Amex would stop assigning new account numbers to the ones actually involved in this situation because it just confuses the situation. 

I would appreciate more sincere cooperation from American Express regarding this mess that they had a major part in creating. I did not request a refund from the credit account I had in XXXX XXXX. I requested a copy of the letter describing the disposition of the funds from that XXXX XXXX account. This letter was sent to me around XXXX XXXX, and also contained profuse apologies for the confusion about what accounts were overdue and how the XXXX/XXXX/XXXX payment had been lost. 

I need a copy of that letter. Please send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: NY

Complaint narrative:
Hi, I found out that there is judgement on my name by Midland Funding LLC. I was never served any papers or notified about this lawsuit or the judgement. I found out from my credit report. On doing some research I found out that your organization ( CFPB ) has sued them and their parent company. One of the action on them was to release or vacate all lawsuits that were wrongly filed. Is there a list somewhere I can look up if mine is there and how can I get the records corrected in the court, as this is public and hurting my credit. Can you help pointing me to some source where I can get help on this. Thank you for all your works for protecting consumers like me. We all ( consumers ) appreciate the work your organization does. Great work, Thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS INC placed a collection on my credit report. They did not contact me, and this debt does not belong to me. I 've never done business with or heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2016, there is a charge of {$780.00} taken out of my account, paid to XXXX. I figured out that my boyfriend at the time had taken my debit card number and paid his past due cable bill with it. So I called up bluebird AmEx and told them what happened and disputed the charge. I was issued a conditional credit for {$680.00}, {$100.00} less the total charge, in XXXX 2016. I was received an email and uploaded forms they asked for. Then I never heard anything from them, until on XXXX XXXX, 2016 when I noticed they reversed the provisional credit and sucked out all the money I had in the account and then some. I called them and they said the reason they reversed it is because they needed me to send them a copy of the receipt from the disputed transaction. How could I send them a receipt I do n't have, and why would I have a receipt for a transaction that I never authorized. They did n't even try contacting the merchant to my knowledge and I have tried numerous times resubmitting the dispute and it has been like banging my head against the wall. The last time I called in they resubmitted a new dispute but I was told that I needed to send in s copy of his bill to prove it was not in my name nor service to my address. I said I did n't have access to that and they told me to call or have a male friend call XXXX pretending to be my ex boyfriend and get a copy. I was not doing that for obvious reasons but also that would n't make a difference because I am sure they would just send the copy to his address on file which I do not live there or get his mail. In any event they are just giving me the run around now and the account is negative months now and checks have bounced etc. Because they never informed me of the credit reversal or any information the entire time and also on their website I was reading the dispute terms and conditions and it says that they will contact, merchant and fight your dispute as any other major credit card etc. and clearly they have done no such thing. I hope this agency will be able to assist me in getting my {$780.00} back that I have been out for the past few month. Thank you for your time and anticipated cooperation regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was late with my payment due to my wife taking over the bills and not paying the balance. American Express has continued to call my parents at their own address at phone numbers that were never given to AMEX. I do n't appreciate the utter embarrassment they have caused me in calling my parents regarding a past due balance. My finances are not my parents business nor anyone elses. I sure hope this complaint gets attention, as I will be follow up regarding this complaint. I want to see AMEX forms of communication change, since the tactics they are using are very harassing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I held a credit card from XXXX XXXX XXXX XXXX. I had to retire from my job and was without XXXX payments for over a year. The date was XXXX and at this time I called XXXX XXXX and inform them. I also tried to make payments arrangements when I did received my XXXX, however they sold my debt to Midlands Funding LLC instead. I wrote a letter to Midlands and asked them to verified the date. They sent me a bill of sale with redacted information in it. I wanted to know what they bought my debt for and could we work with this amount. Instead on XXXX XXXX, XXXX they served me with court papers to serve me with the full amount they say I owe but blank out all in their so called verification of bill of sale. I called them immediately I explained that I can not pay them this debt in full as I am retired and collecting Social Security XXXX. I asked them not to contact me by telephone. I also ask them to discharge or settle this debt for what they paid for it not what they are claiming they are saying and they refused. I said ok I will pay you XXXX a month this is all I can afford. This said that was not good enough. On XXXX XXXX, XXXX Again I received notice from the law firm ( debt collector ) stating I did not respond to their request on XXXX/XXXX/XXXX. I again started I spoke with someone and told them on XXXX/XXXX/XXXX that I would send them {$20.00} a month and I did and will continue. I want them to verified my debt and not send me paperwork with redacted and blank amounts. I want them to settle this debt for a lower amount and let me make payments. They continue to accept my payments to this day but continue to want to sue me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American express cancelled my account without my knowledge. They charged me an annual fees, cancelled all my rewards and even when I contacted them through multiple means did not provide any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I PAID XXXX IN 2012 AND MCM KEPT CALING HOME, CELL AND WORK AND IS STILL REPORTING ON CREDIT REPORTS. AND S.O.L. EXPIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I call to American Express prepaid card on XXXX/XXXX/2016, Regarding a re occurring debit that was not authorized by me. I had contracted XXXX XXXX DBA XXXX the weeks prior tto me calling AMEX prepaid to obtain copies of authorization to debit the account on a monthly basis. I was not able to obtain any documentation from them regarding a contact or a withdrawal authorization. On XXXX XXXX, 2016 I received an email for The Blue Bird Team stating charges were justified based on their investigation and will provide me documentation. I have been in communication with them and they are stating they can not provide me with any documentation and the {$290.00} is not eligible for credit back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Hi, on XXXX XXXX I went to XXXX and withdrew XXXX from the atm, the atm only dispursed XXXX because of their limit. I then went inside bank to explain the problem the bank did an investigation which showed they were over XXXX. So then the money was sent back to american express serve on XXXX XXXX to be credited back into my accout an at this time I had already started a dispute on my half. XXXX XXXX i was sent an email saying investigation was closed an I would not be credited the XXXX dollars because the merchant had provided documentation that I was given money at the time of transaction which is false. Now it is XXXX XXXX an not getting any answers nor my money. I call continously the american express number on the back of my card because Im in need of my funds an not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. 
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. 

This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/2016, I was fired from my job. Up until that point I was making payments every month. The program I was in required automatic payments. I called to see what my options were since I did n't have an income and they said I did n't have any and I will have to continue to make payments. I asked them how they expected me to make payments when I did n't have any income? They did n't want to hear it. They continued to take the money from my bank account every month causing my account to go seriously negative. I have a new position now however I 'm seriously in the hole because they failed to help in my time of need. I only wanted to postpone payments a couple of months until I got back on my feet again. They are a terrible company out to rob former students. I ca n't buy a house because of these loans. I will never be able to if they keep adding interest and fees onto my account. I 'm sick of it and extremely fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express platinum Credit card services. 
I attempted to use my Member rewards points ( XXXX ) to purchase gift cards totaling the amount of {$1000.00} on XXXX/XXXX/16. Account was frozen and told to call into CS. The agent explained that my account had been flagged for review. I told her that it was a time sensitive purchase. The American Express Agent then advised me to make the purchase of {$1000.00} using my credit card, and that when my MR points were unfrozen, they could be used to pay the balance. I did as advised by the Amex employee. I attempted to call in about my points over the next month with no help. Finally a letter stating that my points had be retracted due to a prior similar card being opened. I called into CS and explained that i was told the previous card was different and i would receive a bonus on the new card due to it being a different category. I also stated that i had been misled by AMEX into making a large purchase to which i would be reimbursed for. Currently I 'm still with no help and i feel like amex has committed fraud and mislead me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX is ending it 's relationship with XXXX XXXX and in doing so is transferring all of their credit cards to XXXX XXXX cards. I have not applied for a XXXX XXXX XXXX and yet a new card is being issued in my name. How is this possible. I do not want a new visa card and I did not apply for one. According to XXXX and XXXX XXXX the only way to cancel this card is to cancel my XXXX card or wait until XXXX XXXX and then cancel the new XXXX card. Either of these items will show up on my credit report. I am very unhappy with XXXX and XXXX XXXX that they can open a new account in my name that I have not applied for and never do I want. Is XXXX so large that it can do whatever they want with my financial records? Shame on XXXX and shame on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My deceased father 's American Express Credit Card was fraudulently used in the State of Michigan by unauthorized users ; a XXXX XXXX and XXXX XXXX. Now, XXXX XXXX XXXX is contacting the Estate of XXXX XXXX and demanding payment. 
BTW, Amex also has an incorrect address for my Dad 's account. Somewhere in XXXX, MI XXXX. My Dad lived nowhere near XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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: MA

Complaint narrative:
I do not know what this bill is and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & XXXX Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding XXXX Validation Attachment XXXX. 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response & XXXX Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.

Company response to consumer: Closed with non-monetary relief