vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
A debt collector, Transworld Systems sent me 6 letters in one day stating my wages would be garnished for my student loans and they had contacted my employer for information. The creditor listed on the debt collection noticed does not own my loans. All of My loans were consolidated in 2014 and are not in default. I confirmed this fact via XXXX and the Department of education. My loans are not in default and the creditor they claim to be collecting from, XXXX, has n't owned my loans in 2 years. They were paid in full by the consolidation. In addition to the 6 letters, they have called my home phone at all hours of the day. I also received a call on my private cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I started keeping a log of phone calls on XXXX XXXX, 2015 and this company ( Midland Credit XXXX ) has called XXXX time up to XXXX XXXX. Calling repeatedly starting as early XXXX. Calling repeatedly within an hours time. When you answer the phone they do not always speak. They have repeatedly been asked not to call and also written notice when they sent a collection letter as the debit is over 13 years old and was paid in a debit consolidation over 8 years ago. When they have called while I was at work others who have answered also requested them not to call. I do have the dates and times called and wish them to stop calling. They continue and I need assistance with this please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: SC

Complaint narrative:
Midland Credit Management Inc is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland with supporting documentation and received an unacceptable response from Midland. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). Midland Funding is not my creditor. I have attached a copy of my credit report showing where Midland has inserted a tradeline in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Midland certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
XXXX is claiming I have past due credit card debt with HSBC, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XX/XX/XXXX and XX/XX/XXXX claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX XXXX from XXXX XXXX XXXX on Tuesday, XX/XX/XXXX. He stated they were trying to contact me about an alleged past due credit card debt with HSBC. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off XX/XX/2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Funding LLC has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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: VA

Complaint narrative:
I Discovered an account serviced by midland funding on my credit report that was not mine. in effort to remove it, i paid the attorney representing midland the funds. In addition, i 've asked midland for a full validation of the debt which they have not provided after asking several times. The funds were paid to the attorney on XXXX XXXX however midland is reporting as of XXXX XXXX the account is open with a full balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX/XXXX/2016 I received a call from my tenant at XXXX XXXX XXXX XXXX indicating there was no heat in the home. As it was winter in XXXX and my tenant has XXXX children, I needed to get it addressed ASAP and my husband was out of town on business. I called a few places and was able to get XXXX to come out the next day. 
Communicated with tenant on XXXX/XXXX/2016 he was smelling gas from the water heater exhaust as the hole they cut for the filter was way too big. Tenant was very concerned for his family and their safety. 
I called American Express to dispute the charge and explain the situation. I was told by a representative NOT to contact the vendor, he would take care of that. I asked him a minimum of 2 times and he told me that I did not have to, and American Express would. 
As I understand the communication from XXXX, they have no records of any contact being made to them after installation and have not been given the opportunity to remedy the issue. I did n't contact them under the advisement of American Express. 

Since then I have been disputing these charges with American Express and they can not make the connection that I was acting on the direction of their representative. American Express now wants me to pay for the furnace as XXXX does not want it back and American Express will not take any responsibility. 

I have been a card member with them much of my adult life and am completely frustrated that they will not assist me and " back me up '' as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses. 

They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated. 

Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain. 

Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect. 

I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: 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! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sullivan Asset Management, LLC
State: TX

Complaint narrative:
A man who has introduced himself as XXXX XXXX calling and claiming he 's calling from XXXX XXXX XXXX has repeatedly called my place of employment, has harassed me, people answering the phone and even spoken to my boss. This person claims I have an old debt that I need to acknowledge and states that he is in contact with my county to get me served with documents. I have requested that he send me something in writing regarding this debt or to give me contact information for my original creditor and he has to refuse to do either but continues to call my place of employment after I have asked him several times to stop. He has threatened to have my wages garnished and even accused me of being a delinquent and telling my boss he 's going to get me on fraud charges. I do n't know how else to handle this, I 'm not refusing to pay any debt I might have all I 'm asking for is proof which he refuses to provide and on top of that he 's jeopardizing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Sarma
State: FL

Complaint narrative:
Threatened me over the phone, and have repeatedly called and harassed my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was enrolled in a premium auto protection by American Express. There was a charge on my account that should have not been charge. They are stating they are unwilling to do anything as its a valid charge. I have tried to do everything to get this resolved and they have been unwilling to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This collection company by the name of " Asset Acceptance LLC '' has been using " scare tactics '' by threatening to sue me when my debt is way past my states Statute of Limitations. I wrote them a letter stating to them that what they are doing is illegal and that I am willing to take action against them with my legal team. Instead, they sent another letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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: NJ

Complaint narrative:
XXXX keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I loaded money to my account and the funds never appeared. 

The money was withdrawn from my American Express prepaid credit card, but never credited to my account. 

I 've opened XXXX disputes with XXXX, but they are not responding. It has been over 90 days and I 've called numerous times. 

I have all documentation. It shows the load on XXXX, and the corresponding copy of my statement, which shows that the load did not take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I noticed XXXX items on my credit that I did n't recognize that were listed by XXXX so I got their # and called them, the girl said they were tolls from XXXX..I live in XXXX ... I told her I just wanted them gone and agreed to pay XXXX to do so, the girl refused to send me an email or letter spelling out that they would settle account for that amount. She said they do n't have " the legal dept '' to do that ...???? I just wanted proof they would close these accounts for that amount as they said they would. I asked for her supervisor and a validation of debt because I did n't remember being in illinois then, and she gave the XXXX thing and said hold on, the supervisor came on who said first thing that she was busy and what did I want???? Seriously?? She also refused to send a letter or email and told me I had til XXXX their time or the price would go up, and HUNG UP ON ME! 
almost three weeks later, I get a letter from Trans World Systems saying that they now have my debt, and I need to call THEM. I called Trans world, and the girl said they ARE nco???? I nicely explained what happened before and that I was willing to close out the account even tho I was n't sure it was mine, I just wanted some proof before I gave them my credit card that they would indeed close the account out for that amount, the girl got snippy with me and again refused, take it or leave it, oh, and ya, now its {$430.00}!!!!! Who are these shady people and why are they switching my account to different but same companies???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aurora Enterprises, Inc.
State: CO

Complaint narrative:
I moved out of a home and there was communication between myself and the homeowner the amount I owed her. The amount was {$1000.00} and she emailed me with this amount from her email address. When i reviewed my items on my credit I found the amount from her was incorrect. I communicated this information via phone to the collection company listed on my report.The company then asked me to email them the conversation between the homeowner and myself in which I immediately did. I did not hear a response from the company so I reached out to them again, still no response, yet again I sent another inquiry using their site hat is listed online to contact them. The only type of response I received from them was when I ws notified that I was going to be garnished from my paycheck in the amount of {$3800.00} starting on XXXX/XXXX/2015. When I contacted the agency they stated I was served in which I was not and I explained this to them. The person I was speaking to XXXX XXXX XXXX XXXX then asked if I was XXXX '' and I replied no I am not, I am XXXX '' and this is also on my drivers license. XXXX stated the company they use to serve legal documents is called XXXX XXXX. I tried explaining to XXXX that the amount was incorrect and she told me I was also being billed for attorney and court costs. The amount that will now be taken from my paycheck bi-weekly is {$380.00} minimum which equals to approximately {$770.00} monthly. It seems asif the collection company took advantage of the fact that they seen I was willing to pay, but only the correct amount and decided to get as much as they could to make more money off of the account. I did not dispute the debt was mine, but only the amount due. I let the agency know this debt could have gotten closed out much sooner would they have responded and corrected it.

Company response to consumer: Closed with explanation