vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. 

I did that, legally and legitimately, but they would not let me use my points afterword. 

At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). 

It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17 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: FL

Complaint narrative:
I am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I wrote MCM asking for them to send me the required documentation to legally validate this debt on XXXX XXXX, 2016. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid the balances of {$3400.00} to the Amex card company all the supporting documents are attached, and after a some time the amex randomly charged my account with {$25.00} interest and {$25.00} as late fee even though the balances were XXXX after I paid in full, There were no formal intimation via email, postal mail, or phone regarding the balances, its the system error on amex, part, hence I requested for waive off/ XXXX the balance in full faith, I am sure consumer finance will take necessary steps to help the consumer,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I checked my credit score on XXXX and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on XXXX XXXX I made my last payment.. 
I had a balance of almost {$5000.00} in XXXX XXXX, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of {$380.00} a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automatically from my bank account every month. I open a dispute on XXXX to verify that, but nothing happen.. My credit still bad because of that..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I have been making my payments to UAS ( University Accounting Service ) regularly for several months now. I recently change banks. So when I went to make my most recent payment, I deleted the old bank account and added the new account. It was approved. But now UAS is charging me a {$20.00} fee saying they can not process the payment because there was no account attached. THEY APPROVED the new account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: GA

Complaint narrative:
I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Have threatened to take me to court over a debt. I was afraid so I made a deal with them. Now they are doing it again. They are Attorneys that use scare tactics and threats to get you to pay from a Debt they bought from someone else JDB = Junk Debt Buyers. Phone calls and letters to sue me again over a bill that was {$300.00} dollars and they want {$870.00}. This firm is disgraceful and the worst kind of lawyers you could imagine. It has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona. 

Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per XXXX cardholder 's agreement. Midland forced me into litigation when a clause in XXXX 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO MIDLAND FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave Midland a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet Midland kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a XXXX Credit score and a stable income of {$500000.00} and my credit card application with American Express was denied based on discrimination, ( there is no other reason ) I have a superb credit score and excellent income and I make 100 % of my payments on time, I never missed any credit card payments ever with all my other XXXX credit cards, I have reason to believe that I was denied credit by American Express based on discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed several incorrect and inaccurate items on my Experian credit report. Unlike XXXX and XXXX, who both performed proper investigations and ultimately removed the accounts from my reports, Experian never performed a legitimate investigation. I received a letter from them dated XXXX XXXX, 2015 that they previously processed my disputes and that the credit grantor has verified its accuracy. This is impossible because the other XXXX credit reporting agencies were unable to verify it, thus deleting the bad information. Furthermore, Experian refuses to reinvestigate the same dispute. This is absolutely ridiculous. So instead of submitting electronic disputes, I sent dispute letters in the mail. I received another letter dated XXXX XXXX, 2015 saying that Experian believes they received suspicious requests in the mail regarding my personal credit report and determined it was not sent by me. How can they possibly determine this when the return name and address on the letters belong to me, and I personally signed each letter and included my social security number. They simply refused to comply to my dispute requests and delete inaccurate information they are displaying from the following creditors : XXXX XXXX, XXXX XXXX XXXX and XXXX Bank. Moreover, they have restarted the 7 year time clock for which these tradelines naturally drop off of my credit report which is yet another violations of the FCRA. I am utterly disgusted with Experian and request a full investigation of their practices along with my ignored disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XXXX XXXX, XXXX, I submitted a bill payment using my American Express Bluebird account to my daughters ' XXXX. According to American Express Bluebird, the check was cleared on XXXX XXXX, XXXX. However, after speaking to the payee ( the XXXX ) in late XXXX, I was informed that she never received the check. She verified with her bank records and no deposit in that amount was ever made. We believe the payment check was stolen from her mailbox and deposited fraudulently. I subsequently contacted American Express to file a payment dispute on XXXX XXXX, XXXX, which was denied 24 hours later. I contacted American Express again to inquire why the claim was denied, and the customer service team could not provide a reason but told me that I would be receiving documentation regarding the dispute in the mail. More than ten business days elapsed with no documentation having been received in the mail. I subsequently contacted American Express Bluebird again, and they said they would send me the dispute documentation in the mail immediately. It is now XXXX XXXX, XXXX, and I still have not received any documentation regarding the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ

Complaint narrative:
I have been contacted by various agencies to collect a debt for XXXX Bank. I found out it was XXXX. I have two years of certified reciepts trying to get debt validation.I was contacted recently by a law firm XXXX XXXX XXXX. They represented to me they were acting on behalf of XXXX Bank. They were dishonest. They were acting on behalf of a debt buyer- Second Round LP. I contacted the CEO XXXX XXXX of XXXX Bank and filed a recent complain with the State of New Jersey. After I told XXXX XXXX I was doing this he sent me verification he did not represent XXXX Bank but a debt buyer. All of his communication say XXXX Bank. He disclosed via mail on XXXX that Second Round LP bought XXXX accounts ( charge offs ) for {$18000.00} or {$2.00} per account. He was representing a debt buyer not XXXX Bank. I further contacted Second Round LP on XXXX/XXXX/15 and they would not give me any information except to tell me that a XXXX in Georgia had the debt and I had to contact them. I am very uncomfortable with the deceptive practices of Second round LP, XXXX XXXX XXXX and XXXX XXXX XXXX law form. They were acting as if they were representing a bank when the bank had charged the account off an they were debt buyers. I have gone above a reasonable expectation to get debt validation. I am in contact with XXXX Bank at this moment but very concerned about what I believe is misrepresentation and scare tactics, bullying by the above companies.I have a long paper trail to support my statements. I noticed that Second Round LP placed a deragotory item on my XXXX report in XX/XX/2015.The attorney named above XXXX XXXX XXXX XXXX XXXX sent me an email stating that was untrue. I have since given him a copy and asked it be removed immediately. I have a copy of this as well.

Company response to consumer: Closed
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian ARG Inc.
State: FL

Complaint narrative:
I have received several calls over three days from Cambridge Asset Management from a landline number in Tennessee. I do not answer calls I do not recognize. They do not leave a message. I called them back to see who was repeatedly calling after the 4th call. They wanted to speak to " XXXX. '' I told them I am not " XXXX '' and to quit calling my number. Immediately upon hanging up the man called me back using " unknown ''. When I answered and recognized his voice I again told him to stop calling me. They called twice again today. I called back and asked for the name of the company. He told me and I asked for their address. He asked why I wanted to know. I told him I had repeatedly asked them not to call my number and I was reporting them for harassment. He asked who I had spoken with yesterday and I told him he was the one I spoke with. He tried to say it was not him. Unless he has a twin brother who sounds like him it was the same person. When I would not buy his " we only called today and I am not the same guy '' spiel he hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: Aldridge Pite, LLP
State: IN

Complaint narrative:
I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH

Complaint narrative:
I had loan pre-approval XX/XX/XXXX, I provided updated financial docs XX/XX/XXXX prior to making my offer on a condo and now 2 months later I feel I am no longer to actually closing on my loan and have had inconsistent communication from my loan XXXX regarding my loan in process. I dont understand how someone with an XXXX credit score who has their financials in order and has provided every doc requested within 24 hours to purchase a reasonably low priced home within their means can not even have a close date after 60 days in progress. Though I understand an exception approval from XXXX was needed for the condo complex and it caused delays, I dont see why the documents were not able to be prepared, waiting for the approval to move forward. I verbally reviewed updated figures 3 weeks ago with my loan officer and I still have not seen any updated documents. If there are delays outside of anyone 's control, I can understand that but I dont feel that I am being very well communicated to in order to understand. I email and leave messages for my loan officer and I dont get responses for days, and I 'm made to feel like I 'm harassing her just to get information on my home. I have expressed that I have no lease in my current home and cant even work with my landlord for an arrangement because no one can give me an estimated closing date and I could be kicked out of my current home at any moment and I dont have a new home to move in to! Prior to my investor exception approval, I looked into my options at another lender and found that the closing fees and costs with XXXX are higher than they could be but after I received approval, I decided to finish with XXXX as I assumed I would have closed much faster than starting new with a new lender but I am regretting this decision as I feel no closer to closing then I did 2 weeks ago when the approval was made. The homebuying process is an enormous decision and should be fun and exciting and my experience with XXXX has caused the process to bring me nothing but angst. There have already been XXXX extensions with the seller and I am going to lose the property if this can not get closed and completed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Dear Clear Recon Corp, The dispute of lien amount has not received a response, requested prior. 
A notice of trustees sale was recorded XXXX/XXXX/XXXX - the amount was disputed in the NOTS is recorded in error. I have not received the corrected accounting and the lien still remain in error. The additional request is whom is the beneficiary of the lien amount? As well as who is the property owner of record on title sale guarantee policy ( TSGP ). Four payments were made in XXXX with approximately XXXX going toward principle. As well as late payment of approximately XXXX - there were no late payments in XXXX. There are also multiple charges for property review however for some dates there was no property review. The additional request included copies of assignment ( any/all ). I am concerned my payments were not applied to account as I was told payments would be but instead written off prior to transfer of servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I am sending this letter to you in response to a notice I received on my credit report by your debt collection agency ( as defined by on 15 USC 1692a ( 6 ) ) on XX/XX/2017. Be advised, this is not a refusal to pay, but a notice and Consumer Consent Enforcement Order sent based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) ( 4 ) that your claim is disputed and applicable Federal Consumer Protection Laws This is a request for VALIDATION ( to establish legitimacy ) AND VERIFICATION ( sworn and attest to the authenticity of the alleged debt ). I demand that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following sworn to and under oath : Provide authenticated loan level documentation from alleged credit Date you purchased the alleged debt and the amount you paid for said debt ( unjust enrichment is prohibited ) Appointment contract to represent alleged original creditor ( affiliate, under corporate control ) The original date of Charge Off ( cancellation of the alleged debt through write off on tax filing, canceling my alleged obligation ) Provide a judgment order against me for this alleged account you are attempting to collect Provide me with your company 's insurance/bond information to assess my future claims Prove that the Statue of Limitation has not expired on this account Show me that you are Licensed to collect in my state, and Provide me your License numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ceannate
State: IL

Complaint narrative:
At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.

Company response to consumer: Closed with explanation