vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-01 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: PA

Complaint narrative:
I am being sued in a local district justice court by Midland funding on credit card debt that is way past the statute of limitations to collect and they are in violation of the Fair Debt Collection Practices Act. They have already filed a lawsuit against me. There are XXXX different credit card accounts they are suing me for. XXXX had NO payments made on it at all since XXXX. Therefore this debt is over XXXX years old and is not enforceable to collect in the state of Pennsylvania. The XXXX credit card has not been payed on since XXXX which makes this over XXXX years old and again in violation and is not enforceable to collect. The third credit card has not seen a payment since XXXX. This information came directly from the Midland Funding website with my accounts listed so this information is accurate and correct. They are in violation of XXXX of these XXXX credit card accounts. I want the lawsuit dropped immediately and all fees and costs associated to be dropped or I will contact an attorney and I will let him pursue legal action against Midland Funding for violating the statute law in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an American Express Bluebird card at the local XXXX. I loaded it with {$500.00} cash. 
After reviewing the disclosure document enclosed with the temporary card, I requested a refund of my money. I never used, activied or signed the card. I called XXXX days after the purchase. 
I was told when I called to check status of refund, the refund was processed on the XXXX of XXXX. I requested the refund on the XXXX. Fine, it was processed late, but I waited, going to the post office and calling the XXXX day, when the check was not received. I was put on hold and left on hold not once but twice, lied to by he first clerk who actually told me they do not process refunds, which I replied that the disclosure states quite clearly that you DO. He then put me on hold, in the ruse to get a manager, and never came back. I have been going back and forth with this since, I still have not received my refund, and the delay caused me financial setback, and stress, XXXX, pain and lack of sleep. I am at my witts end with this I can not tell you how this has caused me so much XXXX and distrust. I can not comprehend what is going on and why. Please help me get me cash refunded and the financial loss I suffered as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am receiving continuing calls from agencies about astronomically high credit card bills I never made. Representatives are continually calling me all times of the early morning, noon and late night, including Saturdays and Sundays. When asked to stop harassing me, they ignore my request, and if I block their number, they call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Frequent automated and not automated calls. Even on Sundays. My accounts with them are set up on automatic draft so there is reason for themy to call and badger me about payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Express Aviation
State: TX

Complaint narrative:
I was attending XXXX XXXX XXXX when it closed it 's doors XXXX XXXX, 2016. I started school XXXX XXXX, 2016. In order to go back to school I had to take out a loan through the school for around {$13000.00} at a 12 % interest rate. I thought that this loan would be divided up and distributed per semester, like Federal Loans are. I found out after the school closed down, that they released the entire amount to the school the end of XXXX. Because the school closed down and I had not completed my first term of school, I receive nothing. No grades, no credits, no transcript. Now the loan company is saying that I ow this {$13000.00} loan back to them. I took out that loan for an education, XXXX that I will not be receiving from the school that money was paid too. How can they expect me to owe that money if I am not getting anything in return for it? I have called ASFG and they have told me that they do not report to credit bureaus and that no other school would see that loan. Now that myself and other students have stopped paying the installments on this loan, they are threatening to report on our credit. I need help with having this loan cancelled as the school is in breach of contract with me. At no fault of my own, am I unable to finish out my education with XXXX XXXX XXXX, so therefore I feel they broke the contract on this loan and I should not be held responsible for paying any monies back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened a credit card account with American Express. As a signed up bonus, American Express offered me XXXX Membership rewards points if I spend {$3000.00} within the first three months. The annual fee on this card is {$450.00} a year. A membership reward point is a virtual currency that can be used in multiple ways. When I opened my account, I planned to transfer these bonus points to XXXX of the partners they have, XXXX XXXX points ( " XXXX '' ). When I opened the account, they advertised the following transfer ratio XXXX. So, the signup bonus for me was worth XXXX XXXX XXXX points. Three weeks after they told me that the ratio is going to change : to get XXXX XXXX XXXX points, I will need XXXX, not XXXX American Express points after XXXX XXXX. I called the cardmember services and they told me that if I fulfill the terms of my signup bonus bu XXXX XXXX, I will be able to utilize the old exchange rate. I completed the terms of my offer and the points appeared on my account on XXXX XXXX, in pending status. When I called American Express and asked them to transfer the points, I was told that I would be able to do it only in 6-8 weeks. So, the value of my signup bonus has changed after I opened the card. It was XXXX XXXX points when I opened ; it has decreased to XXXX XXXX points. This practice, in my view, is an example of deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Regarding American Express Corporate Card for XXXX XXXX, card # XXXX. 
Amex bills to me did n't indicate what specific merchant charges were unpaid for the balance pending. I needed to know that to determine what I had to pay vs XXXX had to pay. Amex did n't provide the following information since XXXX 2015:1 ) have I paid all the merchant charges2 ) what specific charges are unpaid that account for the remaining balanceI finally reached out to Amex contacts of XXXX, bypassing Amex customer service, and got a spreadsheet that showed the specific XXXX merchant charges that were unpaid by XXXX, a XXXX, XXXX XXXX, and XXXX XXXX charge. Clearly Amex had this information, and I would think any company that provides corporate card services needs to provide that information to the end consumer. I confirmed those were all charges I marked personal to XXXX and I paid those in XXXX. 
Afterwards there were only late fees pending, all merchant charges were paid. I was told there would n't be late fee on late fees and ask for somebody from Amex to contact me because I wanted to dispute the late fees. I would have paid all the fees if customer service had provided me the information I required. However on XXXX/XXXX/15, after waiting since XXXX without anybody from Amex contacting me, I was charged another late charge on the pending late charges, identified as a delinquency charge. Amex is simply forcing me to pay their non-merchant related fabricated fees without providing any means to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a notice from Transworld Systems Inc. that threatens to report me to all national credit bureaus. It also gave me a phone number to call, which I called XXXX times. Each time I called I was placed on hold for several minutes and then the phone would just hang up. This is a very rude and deplorable way to conduct their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
My card/account was lock, and according to an email i got was because of unuasual activity and i was asked to call the XXXX #. After i did they dont even know why my account doesnt work and was told that it will be scalated to a diffrent department and it would take 24hr-48hr. That was on XXXX/XXXX/2016 when i frist called, it is now XXXX/XXXX/2016 and when i keep calling they keep telling me the same thing. Not to much urgency in fixing the issue or letting me know what happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27 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: AZ

Complaint narrative:
After a review of my credit report, I found that Midland Credit Management has been incorrectly reporting a paid collection to the credit bureaus Experian and TransUnion. I have written XXXX letters to Midland requesting a goodwill removal of this paid collection from my credit report and they have refused to do so, stating that they are accurately reporting this information. I have taken it upon myself to illustrate exactly what is wrong with Midland Credit Management and how they are incorrectly reporting this item on my credit report, causing unnecessary damage to my report : Midland violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Terms : 1 month '' on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account. on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency for not showing the account as paid and closed on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account on my XXXX credit report. 
Disputing Account # XXXX with Midland Credit ManagementWith respect to the " Terms : 1 month '' notation on my XXXX report : I do not have any known " Terms : 1 month '' agreement or contract in writing or otherwise with Midland Credit Management. 

This dispute is with Midland Credit Management, not XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: AL

Complaint narrative:
I never received any information from Midland as to what debt this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
my car was repossedOn XXXX XXXX 2015 you received documentation under the certified mailing number XXXX XXXX XXXX XXXX XXXX in which I provided you with my U.C.C filing numbers as an SECURED PARTY CREDITOR from Federal and State. You were also provided with a copy of the XXXX XXXX XXXX validating my lawful means to discharge this debt using the negotiable instrument AFV ( Accepting For Value ) used in the dischargement of debts. You were also given the IRS documentation used for the transmitting of this negotiable instrument. You refusal to cooperate was a personal decision on the part of your corporation. As per our XXXX letter I stated that if your company was exempt from these procedures to please send me a written response explaining your exemption status as well as the return of all documents that I sent you. You refused to comply, and now you have sent a repo person to repossess the vehicle under XXXX name which was illegal, unlawful, and dishonorable. Upon receipt of my status you circumvented further communication with me my using XXXX XXXX name as the person to repossess the car from The Uniform Commercial Code Article 9 states that Legally, after a debt discharge, the creditor has no legal basis to pursue the debtor and has no claims on the assets that are currently owned by the debtor or assets that the debtor acquires in the futureThe only remedy that can be given at this point in time is the return of the vehicle and the discharge of the debt which I was informed by telephone on XXXX/XXXX/15 by XXXX XXXX ID # XXXX who said that the car had been discharged, I am sure XXXX, XXXX has a record of that conversation since I was informed at the onset of the call that our conversation was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
As the XXXX, I applied for the AMEX Platinum card with an offer of XXXX and another XXXX if I spent $ XXXX on the card in first 90 days. After the 90 days, AMEX only deposited XXXX miles in my account. After contacting them and having the letter offer and offer code, they said " we do n't have any record of that and ca n't help. '' This is misleading and wrong -- we intended to use those miles to help our small business grow. Open to suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Hollis Cobb Associates
State: MD

Complaint narrative:
This alleged company has contacted day/evening. Never leaves a message nor identifies who they represent .never a name is rendered just the threat of action of filing papers against you immediately. 
I researched the many nos. that have come thru and established they are allegedly as follow : Patients Account Bureau XXXX XXXX XXXX XXXX, GA XXXX ... 
AKA XXXX XXXX I have attempted to ascertain why they would be calling/emailing me since there are no lingering medical bills in my life! 
A series of nos. have been used : XXXX XXXX XXXX XXXX I have been subjected to identity theft in the past and scams. But again, these calls and emails are malicious otherwise I would not be prompted to contact the FTC Thank you I look forward to your response.. 
Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I applied the American Express Platinum card and was approved. After the card arrived, I realized that I had this product before, I would not be able to receive the XXXX MemberShip Rewards, so I cancelled this card without activating it. I did not spend any dollar amount towards this card. 
On XX/XX/XXXX, I received an email, stating that Amex removed my XXXX points due to the reason that I was not eligible to receive the welcome bonus of XXXX points. ( However, the fact is that I never received any points regarding the welcome bonus, and I am trying to use my points at that time. ) I called back and started an investigation, Amex told me I will receive a result by XX/XX/XXXX. I called back on XX/XX/XXXX, since they never called me for updates. Again, I was told to wait till XX/XX/XXXX for any results. I called them that morning, Rep. told me to call back after XXXX if I did not receive any results. I called back again after XXXX, and spoke to a supervisor, she said they removed my points was because I had this product before, so the welcome bonus is not eligible for me. Her assumption was that I already received the XXXX points, and she saw I had more than XXXX points under my account. BUT the truth is I never received any welcome bonus towards that product, in fact I never spend a penny on that account, just because I have XXXX points, it does n't mean it is the welcome bonus! The premise of the claw back is that I received the XXXX points. I told her I received XXXX points from XXXX product in XX/XX/XXXX, another XXXX from another product in XX/XX/XXXX. She said she ca n't pull the histories of those XXXX accounts, they will need 3 more days to investigate. 

I do not have another 3 more days, this has cause so much inconveniences for me to redeem my points, I, now have spend more time to wait, and more money to redeem my points!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On Sunday morning between hours of XXXX-XXXX MCM called my home phone three times within this timeframe. I was in the shower so a third party in my household answered the phone and processed to speak with someone by the name of XXXX who later states his name is actually XXXX then XXXX. Giving false information. The third party continued speaking with XXXX who eventually gave phone call to his supervisor XXXX then later said his name was XXXX. Both these individual gave out my debt account information to the third party. Both gave the third party the amount of my debt, the amount to payoff my debt. I did not authorize or give permission to MCM to speak with the third party. I feel they violated my privacy and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Creditor is XXXX. it is listed as a collections account on my XXXX report. The subaccount name is the Midland fund. This debt is not mine. It belongs to my father XXXX XXXX XXXX who lives at the same address. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld continues to send the XXXX student loans to collection agencies even after I was able to get the loans deleted from my credit reports. Transworld has sent the loans to XXXX different collection agencies to get me to pay it, I never signed any agreements with XXXX XXXX XXXX or Transworld. The only documents that were sent had XXXX XXXX XXXX on it not XXXX XXXX XXXX. XXXX XXXX XXXX must show proof they own the debt and ca n't just claim they do. I already spoke with a FDCPA attorney on this and XXXX XXXX XXXX must have proof they have the rights to collect on those loans, it is not enough to send promissory notes that I signed with another company and claim that you own them without any proof. XXXX XXXX states they no longer own the debts and XXXX XXXX XXXX should have sent documentation to me that they purchased the loans and have the rights to collect on them. My mother received calls about these loans even though her name is not on them, they told her they were looking for me. Even though that was not a number to reach me and they knew this. I do not want any more collection letters on these loans. I just had XXXX XXXX call me today on these loans but XXXX had the loans about two weeks ago. Transworld needs to leave me alone. I do not owe XXXX XXXX XXXX anything because I never received proof they have the right to collect on the loans because NCT is a trust not a company and per state law they have to follow trust regulations which they have not.

Company response to consumer: Closed with explanation