vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is my second response to this company regarding this matter. They are attempting to collect a debit that is not mine. I have never been to this Dr XXXX The amount they are trying to collect is {$110.00} It Was Submited for Collections on XXXX XXXX XXXX. 
The last XXXX of my ss # is XXXX date of birth is XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was paying my account on time and with no delinquencies. I was the victim of internet fraud and theft by deception. After American Express agreed to restore my credit limit, they reversed again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have filed several complaints about AmericanExpress, all dealing with the same issue, cyber fraud on our account. American Expresspaid an unauthorized charge made to our accountand seeks to collect on that, plus there are {$1700.00} in hidden charges American Expressrefuses to explain or justify. Now It took me XXXX just to make a payment on the accountof the charges we actually made, and I was sent toAMEX collections, because they automaticallytake disputes out of the dispute process every sixtydays. They do not want you to pay your bill in full, and they do not want you to collect your earnedrewards. I ca n't even get a copy of the most recentarbitration clause, and I have asked for that as well. 
Please read the attached XXXX letters and pleasereview this file and do something. I can not believewe are the only ones to whom this is happening. 
It feels almost like a predatory company to me atthis point, because all we want to do is pay what weowe and no more, and we are being 'stuck up ' andthey are trying to force us to pay for charges thatare either cyber fraud ( which we proved ) or acharge we never authorized that they decided topay without our permission, and ( in fact ) inwhich we stated in no uncertain terms wewould not pay because the charge ( s ) were notauthorized. They need to come up with proofof what we owe them. We have given them ourproof that we do not owe them. Where is the clout behind the law? I have been trying to get thissolved since XX/XX/XXXX 2013. Come on! Show methe proof! We do pay what we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express " cancelled '' my Gold card account. They considered me a credit risk. They lied to me over the phone stating they have proof that I had opened certain e-mails pertaining to the fact that recent payments were returned unpaid by my bank. 
I offered to pay the outstanding balance in full, less the dollar equivalence of the reward points earned and not yet redeemed. They declined, stating that all reward points are forfeited when the account is closed. So after paying the outstanding balance, less {$1.00} for every XXXX points, they put the account into collections for the reward points balance ( {$2700.00} ). They are not responding to my letters that lay out the case that I never was a credit risk, that I was in a financial position to pay off the balance in full, suggesting they should have issued a rewards point credit to the account prior to cancellation ( or at the very least transfer the reward point balance to a different rewards program outside of American Express ). But instead they decided to unscrupulously put the rewards balance into collections. In reading the very fine print of terms and conditions of card usage, they do state that reward points are lost if the card is cancelled. Like all other credit cards that I hold, I had never considered reading the terms and conditions. Not only should American Express make greater efforts to expose their card holders to their hidden and deceptive policies, but I believe their ability of being allowed to cancel a card at their discretion at any time should be challenged by US lawmakers as flawed as it only serves their interests with complete disdain for their card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They call shortly after XXXX and again usually around XXXX. There have been a few days where I have received XXXX calls from the same number as well, each time the same situation. 
I answer the call and the caller hangs up. Nothing is said from the calling party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
On XX/XX/2016 an unauthorized inquiry was placed on my credit report.

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 non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I file a dispute with American Express. On XXXX XXXX, 2015, I purchased though the internet from XXXX. I received the product and was is satisfied with quantity and size. I requested a refund from XXXX. I returned their product to them on XXXX XXXX, 2015. Received an email from " XXXX '' on XXXX XXXX, 2015 acknowledging receipt of the product. The only options for a refund is exchange or purchase another XXXX XXXX XXXX and call in a give them the order number and they will refund the XXXX order. I disputed this with my Credit Card company American Express. On XXXX XXXX, 2015 I received an email stating they have completed their investigation and they found that " the merchant has provided support and an explanation for charge in question. " I have requested to see the documents that merchant has provided. I called and though email. No response from American Express. I have called XXXX times to have my case reopen and I am put on hold for XXXX min. at a time and sometimes longer. Only for American Express Serve to tell me that they will send and email to the dispute department. In the meantime, I have no product or my money. American Express Serve customer services are rude and unhelpful. I never said that I did not authorize the charge. I sent their product back to them and I would like a refund. They are refusing a refund until I make another purchase. I am never making a purchase from this company. I am closing my account with American Express Serve and I do n't recommend this product. I feel that American Express Serve customer service are lying about my depute and about reopening my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I miss-placed and failed to cash an American Express rebate check/Rewards coupon for {$180.00} in 2015 by by the expiration date of XXXX XXXX of that year. I called American Express, explained what had happened and asked them to re-issue the check. They refused stating according to their agreement the check must be cashed by the expiration date. I checked, what it did not say was what happened if I did not not cash the check by the expiration date it did not say that I would lose the money if I failed to cash the check by the expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: TX

Complaint narrative:
I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express filed a judgement against me. I settled the debt with them in XXXX 2015. They did n't release the judgement. I found out couple days ago that I still have the judgement against me when I am applying for a mortgage. I called them and asked them to expedite. They said it will take 6-8 weeks, there is no expedite process. I asked why did n't they release it 2 months ago. They said this is not an automatic process. I have to call them and ask them to release. Is this true? Why could they do so? I paid but they still hold the judgement against me unless I ask them to release? I already lost the house I want to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland funding purchased a a past due account in XX/XX/XXXX and began a very aggresive collection, on a debt that originally began in XX/XX/XXXX, per the letter attached In XX/XX/XXXX they elligally placed a Judgment against me violating a fair credit act, which states that they can no longer collect or report past the 7th year they need to remove the judment within the next 10 days and XXXX needs to remove it from it 's credit reporting Thanks XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XXXX has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: CO

Complaint narrative:
i was briefly employed by a XXXX company that is based out of XXXX and specializes in the third party consumer collection of subrogation debts across the country. Not only did it become obvious they were not properly licensed in the states they do business but their collection tactics were some of the most abusive and misleading I have EVER witnessed. I have been in the collection business for over twenty years. Disclosure of debts to third parties including texts and written emails, threats of drivers license suspension even when they know the debt does not qualify for that kind of action and open threats of lawsuit and wage garnishment. Just ask to see the collection records as it is all there, the texts, threats, emails, intimidation everything. there is no mini miranda or FDCP used even though they are a third party collecting debts against private individuals. When i complained they changed and reduced my hourly wage. I believe they feel that because some of the debtors were driving without insurance that nobody will care if they are misleading and abusive. Companies like this are the reason that many decent agencies are suffering from lawsuits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-13 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over 9 years old and they have an account number that doesnt belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
We have been clients from HFC for over 20 years paying a outrageous interest rate of over 14 % and have been attempting to refinance and have been unable to do so XXXX XXXX occassion was told " why would we do that as your XXXX of our oldest account with high interest '' on multiple occassions have been charged for homeowners insurance which was aded to our principle. We had our insurance company fax the proof and still they continued to charge us every single month. In addition they report we have n't made payments when in actually we have been in our attempt to refinance as very good people who have been stuck in this horrific whirl wind of despair thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 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: ME

Complaint narrative:
filed a complaint with them already threw her debt is from XXXX there response threw her was they did not have info on me now they sent me a collection letter today. asking to deal with them instead of you guys ; its past statue of limations dont remember having XXXX did not send info about the account no right to dispute to. my last name was brand so they have no exuse this time not finding me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding LLC has added {$150.00} to a collection reporting on my credit report. I have contacted and spoken with many representatives with this company in regards to the increase, none of which can explain how this increase was calculated and to what the contractual interest rate the original account was opened with thus preventing me to properly dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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:
I have been in communication with midland, asking them to send me full verification, validation and accuracy on an item originally owned by XXXX, and now XXXX XXXX. As of yet they have not sent us anything, not even a letter from XXXX XXXX or XXXX, basically authorizing Midland to contact and attempt to collect on this item. This is important that we receive because we have documentation stateing that this item has been " PAID IN FULL '' with a {$0.00} balance since 2013. 

Please help me i am XXXX Years old and i am constantly being called and solicited to buy things by phone or by mail, and or to pay things from people i have never heard of. 

I am sending documentation stateing that XXXX XXXX shows a zero balance and " ACCOUNT PAID IN FULL '' I have reached out to XXXX XXXX for help but they have not responded. 

I feel coerced and under durress from this company and need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: GVA Holdings, LLC
State: WI

Complaint narrative:
A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My wife has a American express XXXX XXXX miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX called to say if i paid of my debt within a certain time frame that American express would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my american express account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

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

Complaint narrative:
Midland Credit Management has been calling me since last year regarding an account I had with XXXX XXXX XXXX XXXX . I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called Midland and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that Midland is n't even on my report. I then pulled all XXXX credit reports and Midland is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
It was a Sunday morning before XXXX MCM debt collectors called me about my father 's account which I have no business with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had an XXXX card. I have been a member since 1996. They closed my account and sent it to collections. I have been trying to work with the collection agency but they are no help. I had contacted XXXX XXXX to get statement copies so I could pay my bill. They said they would sent it but it never came in. Then a month later I requested them again and they told me they would send out. And also they stated they would put a freeze on my account so I do n't get reported to credit agency. By the time I got the bills they had closed my account and sent to credit agency. They have lied to me and I should not be punished for this. I am willing to pay the full bill but I want my XXXX card reinstated and the false credit reporting deleted. Tell them to go back and go over the recorded calls and they will see what their agent said. They are not returning my calls form the executive dept either. seems like discrimation to find a way to cancel my card.

Company response to consumer: Closed with explanation