vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-09 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: NH

Complaint narrative:
I paid off Midland Credit Management on XXXX XXXX, 2010 for the amount of {$5700.00} based off an established agreement. ( Please see attached documents ). 
Midland Credit Management still has a debt on my credit report despite me paying off this debt and continues to call me to collect on a debt I paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I used my american express credit card to pay for a bus ticket on XXXX XXXX XXXX. The bus service provider did not provide the bus service and I could not make my trip. When contacted the bus service provider ( merchant ) refused to refund the amount paid. They offered to give me a " voucher '' for half the amount of what I paid. That voucher had lot of restrictions and could only be used for some very high priced tickets and was essentially of no value and I refused. I contacted American Express to dispute the charge. America Express agents repeated failed to file the dispute correctly and kept filing the dispute under different categories randomly. American Express keeps resolving the dispute in merchant 's favor and keeps asking me to contact the merchant directly. I called and spoke to an American Express Supervisor today ( XXXX/XXXX/XXXX ). Her name was XXXX ( Id XXXX location XXXX NC ) and she again asked me to deal directly with the merchant. She conferenced me with the merchant and on explanation of the whole issue the merchant asked me to send them the details in mail ( which I have already done once ) and refused to say that they will issue a refund once done. Even after hearing all this, American Express insists that I deal with the merchant. I understand that a customer has a right to dispute when he/she has n't received the promised service. American Express keeps sending me the copies of the tickets sent by merchant. I never disputed the fact that I bought the tickets. What I am disputing is that the merchant did not provide the bus service. Today in our call, XXXX kept insisting that the merchant is not responsible for delays. I have told them that my case is not of delays. In my case, the merchant did not provide the bus service at all. They also say that the ticket was no refundable. I did not ask for a refund because of change in my plans or anything like that. The merchant can not not provide the service that I paid for and was willing to use ( also put a lot of effort to use ) and then say that it was non refundable. The bus broke down less than 5 minutes after departure. The driver lied to everyone and kept every one waiting and no replacement bus was provided. Inspite of my many attempts, the merchant has not answered this question and inspite of that Amercian Express keeps finding in their favor. I lost the money that I used to pay for the tickets and also lost my vacation time because I could not make my trip. I ask that American Express respect my right to dispute in case of services not received and raise the specific questions that have asked in my complaint with the merchant and answer those specific rather then just keep sending me the copies of the tickets I bought and blindly siding with the merchant without providing any reasonable explanation. 
This is a simple case of me not receiving the service I paid for. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex Every day Credit card sent replacement card XXXX/XXXX/XXXX for an Additional Card Member XXXX other than the my billing addres to XXXX FL XXXX XXXX post office.XX/XX/XXXX I do no know who charge card XXXX shoping {$630.00} USD and XXXX/XXXX/XXXX in XXXX XXXXFL {$75.00} USD. I am call Amex customer service more time about fraud my card, but from my last statements Amex not fixed this charge.I am so upset about that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XXXX XXXX i purchased an AMEX XXXX XXXX XXXX gift card at XXXX on XXXX XXXX in XXXX, for the amount of {$250.00} plus a {$4.00} fee. I put the gift card and the XXXX receipts for the gift card into a sweet XXXX birthday card and mailed it via USPS from XXXX to XXXX XXXX XXXX, XXXX By XXXX XXXX, the card has not arrived at the destination. I went ahead and filed a missing letter report with the office of USPS, picture of the report is included. I also immediately contacted customer service at American Express Gift Card department at XXXX. I have images of the receipts for the purchase of the gift card as well as credit card statements from XXXX XXXX, which i used to pay for the gift card. On the packaging of the Amex gift card it states that " funds replaceable if lost or stolen '' ( and i am including the image of the packaging as well ). The customer service at Amex refused to help me. They stated that their " system '' does not recognize the receipt number or the account number of the card which is on the receipt as well. I have called the Amex customer service 4 times and each time they refused to help. I am completely at a loss of what to do. I felt safe purchasing the card and sending via USPS because of the refund guarantee stated on the packaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 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: FL

Complaint narrative:
I have been requesting a transaction detail of the debt that is allegedly owed, however, the XXXX party collection agency can not provide me what I am requesting. I have been contacting them for nearly 9 months, but they always send me a letter stating their records are correct and that the balance is owed. I spoke with them today by phone and was told I can dispute it again, but I have been disputing it over the course of 9 months with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
We own a XXXX ( XXXX ) and were offered " Merchant Financing '' by American Express. I spoke with them at length about the amount of the loan, how it was to be paid back and what payback was based on. The way the loan is repaid is within a year period, they pull a percentage of the credit card payments to the business before they hit our bank. My understanding after numerous conversations and seeing the numbers in the contract, was that the repayment was based solely on our last year 's income. I figured this was a good, smart way to structure a loan since we are a fairly new and growing XXXX. I knew I could pay a percentage of our income based on last year. However, XX/XX/XXXX I noticed something was wrong. We made $ XXXX more XX/XX/XXXX than last XX/XX/XXXX, but somehow we still did not reach the payment amount American Express had set for the month. I called them and asked how this was possible if it was based on last year 's income. It took me numerous calls and follow up e-mails to finally learn that they had added a XXXX % growth rate into the equation when they calculated our loan. I spoke to several people and, based on the fact that I was misled, asked them if they could extend payback to two years ( from one ) or give me a couple months break while I found a bank to refinance it. I was told no on both counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I recently set up payment plans with a collection agency in XX/XX/XXXX I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the XXXX payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. Midland Credit Management , Inc. are scammers in my eyes!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have XXXX cancelled American Express Blue card accounts that have been cancelled for over 3 years. I destroyed the cards and intended to pay off the balanced. I became unemployed and in good faith sent a small payment each month. Now that I am employed I am working with a credit consolidation agency to help me pay off my debts. They requested I ibtain the XXXX digit card numbers for both accounts, Amercian Express refuses to give me the information stating that they can not do so over a taped phone line. However I am to effortlessly give my social security number over the same line. I e pressed the need to have these numbers is so I can repay my debt, however they are not cooperating. Secondly, they spent a day calling relatives and family of my ex husband to question my debt. I find this absolutely unacceptable as these are people in no way related to these account and no responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was denied employment because of a judgment against me. 
I was/ am completely unaware of any hearing, never received any notice of collection of a debt by Midland LLC . 
Midland LLC apparently took me to court somewhere without serving me any documents, and won a courts judgement. 
I was never notified of any hearing, complaint, or received notice of collection of a debt by Midland LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Aside from receiving calls from XXXX of Midland 's XXXX phone numbers frequently, they were dishonest about an agreement we reached. I was led to believe that by paying the alleged debt in full that their trade account would be removed from my credit reports. That 's the reason I paid the debt in full. After making payment, I called to confirm that the trade line would be removed from my credit reports. They stated they no such agreement was made, and that they do n't do that sort of thing. I could have paid 25-50 % of the debt balance as a settlement if they were n't going to remove it from my credit report. They conned me into thinking they would uphold their end of the bargain, but it was all lies. They also sent paperwork showing that I only paid {$590.00}, but the check I attached clearly shows a payment of {$730.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I set direct deposit online to my online h.r. I entered my account number and routing number and this information was excepted withan confirmation number. My official pay day was XX/XX/2016 but funds were never and still havent been recieved to my account. I have a trace number and gave it to the institution where funds were sent but they are telling me the funds werent qnd still havent been recieved. My employer will not issue me a new check and the reciever is saying that can not send anything back they never recieved! Im at a loss. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a customer since XX/XX/XXXX ... I have an excellent payment history ( AMEX stateded this ) ... My XXXX credit cards from AMEX were suspended without cause ... I was not notified, I found out my cards were suspended when a purchased was declined ... I faxed an agreement that AMEX may look at my XX/XX/XXXX tax return ... Poor response ... Stated my spending needed to be justified ... I was approved for the XXXX American Express Card as these XXXX cards are still suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has decided to sell or transfer ALL their XXXX co-branded credit card accounts to XXXX. There is no option to continue with the current card. By doing this, XXXX customers ( Including me ) will now have to take a big hit on their credit report for not only closing an account, but opening another ( With the transfer ). They have done nothing to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I received a letter from Transworld Systems, dated XX/XX/XXXX that I owed a balance of {$810.00} on a medical bill. I called them at XXXX to pay the balance in full. They were unable to locate me by name, account number, or Social Security number, even though I game them the information on their letter. My wife had me call back again that evening with the same results. The account has now been placed for collections. I do not mind paying the bill, but should not be penalized with this on my credit report for 7 year because of their ineptitude. My wife has tried to pay a similar account with them, with the same result, This company plays games, and report to collection agencies before accepting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

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 explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Amex issued me a credit card under a promotion. Called in after i received the card and was tos old m account is eligible for the the promotion and all is fine. points ave been issued, Amex then took the points bas back after 90 days. No letter just action like ike the wild wild west .... Now I am told that I should never been eligibl because i had this account before. 
Why do I have a problem with this behavior. 
1. I expect a letter, amex sends me a letter for everything but not in this case ... I normal get an letter from amex when the CEO taking a ... ... 
2. Called CS after getting the card and before I paid the the fee and where told that i am elegle for the promotion and all is fine on the account. Why does it take 90 days to figure it out? 
3. If the reason " had the card before '' XXXX ; why does it it take 90 days to figure it out, looks like amex has no real handle ( database ) to know or is just incompetent .... 
4. Did amex took the the time to generate revenue & membership fees with the background information that the had at the application date, that they will back out later time ( or wise out ), please explain the timelines & time taken .... 
5. Not possible to get o get written answers from AMEX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have had a Kohl 's credit card for over 8 years and never had a late payment. On XXXX XXXX, XXXX I signed up for paperless statements. The website clearly states that when you sign up for paperless statements that you will receive an electronic statement via email. I never received any electronic statements or paper statements after this date. I did a search through my email server just to be sure I had n't missed them, and found only a handful of emails from Kohl 's, none of them being statements. Since this is a card that does not consistently have a balance I depend on statements to remind me to pay. On XXXX XXXX, XXXX I received a phone call from Kohl 's advising me that I had a payment due that was 60 days late. I was surprised by this and paid {$75.00} right then. I did n't think anything of it until I pulled my credit score from my credit union and saw that my credit score had gone down from XXXX to XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I had a credit card through Credit One that I asked them to close my account since I lost my source of income, and freeze the interest so it would not increase the amount I owe, I called them numerous times and wrote several letters but They refused to close my credit card account and racked my balance to almost double my credit limit. Then they immediately sent it to Midland Credit Management credit collections company. Now Midland is harassing me and threatening to take me to court. I tried to tell them nicely that I had an open dispute with XXXX bank since they refused to close my account when I asked.They will not accept my dispute claim and continue to XXXX me for almost a thousand dollars. I told them I do NOT owe near that amount, but they refuse to accept my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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:
Midland Funding is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. 

I decided to go and do research through the XXXX ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX Midland Funding does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 



( Please Go And Verify The Above Fact Regarding Their Bonding Status Is True With The XXXX In Texas )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This card was originally with XXXX ( XXXX ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. Asset Acceptance attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of Asset Acceptance continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.

Company response to consumer: Closed with explanation