vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I contacted Midland funding because of a debt that i saw on my credit report and they claimed that it is from XXXX and i informed them of the fact that i have never had an account with this merchant in my life and i demanded proof of debt or for them to remove from my credit if they could not find it. i also mentioned that i was prepared to take legal action they they did not reply or fix this error and they replied saying that they needed my lawyer contact information and they will speak to them. after that i sent out another letter to them explaining that my lawyer is not the issue and that they are the issue and that they have now violated my right and they have not provied proof but but they continue to report false debt on my credit and i demanded that they fix it immediately or provide my with proof of this report. it has been almost 2 months and they have not replied to my last letter or have they removed this false report from my credit. i sent them a return receipt enveloped and i track the package and it was delivered to them since XXXX XXXX they continue to ignore me and have not responded or removed this false report from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
had a withdrawal of XXXX on my amex serve card at a place Ive never been, I sent in what they asked twiced I have a paper trail of this happen in my phone, they were rude and closed my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
They called my neighbor, whose telephone # I do not even know. asking for me. My debt has been all placed in a debt remediation program and all calls are to be directed to that agency.The name of the company is MCM. The telephone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I am disputing this paid collection reporting bye Augusta Collection Agency. This account was closed and returned to XXXX XXXX XXXX. They have no legal right to report anything. 

Please see the attached documents for greater details as there is not enough space here

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have a business credit card with American Express, and an additional card for my husband. The cards say 'American Express Business Platinum XXXX on them. After seeing a number of billboards at our local airport stating that Amex Platinum card holders could enroll in TSA XXXX and have the fees credited, ( and also calling Amex for additional info regarding the program ), my husband and I went to TSA.gov, enrolled, and visited our local TSA assigned center XXXX/XXXX/16 as instructed to complete the process. The fee of {$85.00} was charged to each of our cards and appeared on my XXXX statement. However, the credit for the fees, {$170.00}, did not appear. Today I called Amex to inquire as to when to expect the credit and was told that my card is 'not actually a platinum card ' although it is clearly printed on both of the cards for my account. I am also told that I do n't qualify for the benefit because 'the card is not a platinum card ' ... .although the card actually has the word 'platinum ' printed on it! When asked to explain, customer service stated that 'platinum ' is just the color. My response is that no other card in the line of Amex cards has a COLOR printed on it. I also inquired as to how any account holder would know there is any difference as they are suggesting, to which I was told they do n't know. Ultimately, I was offered {$85.00} to resolve the issue after being told that they were n't sure it would be covered even 'if ' I had a 'platinum ' card because it was from a third party service and we didnt use TSA because the fees were billed as 'XXXX/XXXX '. I actually had to inform customer service that TSA.gov is where the application is processed ( which we did ) and they send you to a local office as fingerprints and interviews ca n't be done online. They take your credit card when you complete the application in person. I declined the {$85.00} as I am adamant that if the benefit applies to cards that are 'platinum ' that they should honor either their commitment or their error. I have been an Amex card holder for almost 20 years. I stated that if they would not do the right thing then I would close my account. I was put on hold, and then sent to the 'cancellation department ' where I was offered {$100.00} to keep my account. I again declined as they are very clearly wrong and I spent at least an hour on the phone attempting to amicably resolve this. They are well aware of what my card looks like, and what it is printed on it. There is even a picture of my card on my account page on their site. It is absolutely ridiculous that they have tried to defend such an egregious mistake. They are guilty of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express agreed to credit my account with XXXX points after XXXX in purchases were applied to my account in the first XXXX months. This agreement was based upon a promotion at the time I agree to sign up for the card. I have not received the XXXX points.I have contacted the company XXXX regarding this matter over the last XXXX billing cycles and I still have not received the points. 
The delivery of the card was delayed XXXX and I was promised a XXXX point credit for the oversight and delayed delivery. I never received the XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 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: CA

Complaint narrative:
This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a {$1000.00} fine in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 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: SD

Complaint narrative:
This collection is on my credit report. Never used or heard of the issuing bank before, never received any contact from the collection agency, yet this has been on my credit report since XX/XX/XXXX it appears. I would think that if this was legit I would have gotten calls or letter in the mail within the last 8 months, but not a single call or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: FL

Complaint narrative:
Midland Credit Management contacted me about a XXXX years old debt that was charged off my Credit History XXXX years ago, It was affecting my Credit Bureaus for XXXX years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another XXXX years od bad luck.Please help me.The original collection started in XXXX with a XXXX XXXX XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: CA

Complaint narrative:
On XX/XX/2016 I requested I validation of debt via an affidavit sworn under penalty of perjury. Midland Credit Management , Inc. failed to provide validation and keeps reporting the disputed item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I learned that XXXX Systems reported account # XXXX to the credit reporting agency. On or about XXXX XXXX, 2016, I contacted Armor Systems and I stated that I was disputing the debt owed. I was told to put it in writing and email a letter to them. The letter was emailed. On or about XXXX/XXXX/16, I contacted Armor Systems XXXX and XXXX XXXX from the credit department hung up on me stating that she does not have to assist me. Called back and spoke to XXXX XXXX again and she stated that they never received the letter emailed to them on XXXX XXXX, 2016. I again stated to XXXX XXXX that I was disputing the debt and will forward another letter to them. I asked XXXX XXXX what contact information did they have on file for me. XXXX XXXX stated that they tried contacting me at XXXX. I explained to XXXX XXXX that the number is disconnected. XXXX XXXX also stated that they sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXX. I told me XXXX XXXX that I 've never received a letter nor did I receive a phone call. I was not notified by Armor Systems about the debt until it was unfairly reported to the credit bureaus. I should 've been given an opportunity to dispute the debt but instead Armor violated the law by not allowing me the opportunity to dispute it instead the reported it to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
In reaction to a previous ruling by the CFPB, i stopped payment to XXXX XXXX Services. However, they responded by selling my loan to UAS ( University Accounting Service, LLC ). It was to my understanding that anyone that a genesis loan was sold to, must obey the same stipulations that were set forth in the previous agreement. On a further note, on XXXX XXXX, 2015 a federal judge ruled in saying that XXXX are solely responsible for any outstanding XXXX Loans, and that the students are not. UAS has now threatened to send my accounts to collections, as well as report my nonpayment to the credit bureaus. I am disputing both of these actions, and also arguing my defense to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Armor Systems Corporation
State: NY

Complaint narrative:
A debt I owed to a health club was included in my bankruptcy. The debt was listed as being " in collections '' on my credit report, so I filed a dispute and the account was removed from my report. A few days ago I received a bill from a different collection agency still attempting to collect the debt. Again, the debt was included in my bankruptcy and I do not owe it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company keeps calling me XXXX times a day 7 days a week. Even after speaking to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Today, XXXX/XXXX/15, I received an email from American Express indication that my credit line has been substantially reduced. I have never gone over my credit limit ; I have never paid late ; I have always paid more than the minimum amount due. 
I have written to them asking why my credit line was reduced as I have adhered to the agreement I have with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: NY

Complaint narrative:
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX XXXX Canceled My Card and along with XXXX. ( XXXX ) Membership Rewards Points A month earlier the card was paid in full with no new charges. 
I have contacted XXXX XXXX multiple times and never received a response or any points or remuneration in any way. 
I just found out about CFPB please help me with this I paid this Account was paid in full and had XXXX. ( XXXX ) Membership Rewards Points Below is directly from my statement dated XX/XX/2013 Available and Pending as of XX/XX/2013 XXXX worth {$17000.00} XXXX XXXX Closing Date XX/XX/2013 Account Ending XXXX XXXX Account Summary XXXX XXXX Paid XXXX XXXX XXXX XXXX XXXX Payment Not Required Statement INFORMATION : Business Platinum Card XXXX XXXX XXXX Closing Date XX/XX/2013 Membership Rewards ( R ) Points Available and Pending as of XX/XX/2013 XXXX ( XXXX ) POINTS For up to date point balance and full program details, visit membershiprewards.com Previous Balance {$10000.00} Payments/Credits - {$10000.00} New Charges + {$0.00} Fees + {$0.00} Your account is cancelled. 
Regards XXXX XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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: NE

Complaint narrative:
I have debt collectors calling my home phone number XXXX constantly for debt they are trying to collect for other people with the same last name or people who are in my family. They call and leave threatening messages constantly about serving papers to XXXX XXXX ( not me or anyone in my household ). If I pick up the phone the autodialer hangs up on me every single time. They call from toll free numbers, numbers showing fake names ( caller ID Spoofing ) or cell phone numbers with area codes all over the country with no names attached. I am sick and tired of the abusive calls to my home all day and night. On XXXX/XXXX/15 XXXX CST they called from XXXX. Over the years I have told them repeatedly that I am not XXXX XXXX nor am I paying her debt. I do n't think I should have to change my phone number because of these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Approximately, a week ago, I received an American Express Blue card. I have been abused, harassed, and tortured by multiple security checks, at least 9 TIMES, PASSING ALL OF THEM WITH FLYING COLORS, and I ca n't get a real explanation why the repeated checks. I can not get a cash advance ; they will not allow me to create a security pin. I received a letter yesterday, XXXX/XXXX/2015, SAYING, ONCE AGAIN, TO CALL THEIR SECURITY DEPT., AND IF I DO NOT IN 30 DAYS, THE CARD WILL BE CANCELLED!!!! I have angered XXXX people with ties to the banking industry and I think this is at the root of all of this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: IL

Complaint narrative:
I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11 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: WA

Complaint narrative:
I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.

Company response to consumer: Closed with non-monetary relief