vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. 

I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX CA. 
I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. 
I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You

Company response to consumer: Closed
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
this account is 15 years old account number XXXX I am disputing this because its beyond the time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
A company calling themselves " American Express '' and also " American Express XXXX '' have been repeatedly running my credit report several times a year for years. I have not done any time of business with American Express in well over 12 years and did not authorize any of these inquiries. I also have a LIFETIME ban on promotional inquiries into my credit. There is no excuse for American Express repeatedly invading my privacy like this. As you can see on the attached Experian credit report, just this year they have run my credit report XXXX times under XXXX different names ; American Express and American Express XXXX, and also used XXXX different addresses. They have done this for several years now and I have sent them letter to stop as well as complained to the credit bureaus to not allow it. It has not worked, American Express continues to invade my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: VA

Complaint narrative:
Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 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: PA

Complaint narrative:
Midland Credit Management Inc sent me a letter in the mail. They said that I owed money and I asked them for verification of debt. He said absolutely not. I need to contact the police and make a police report if I think that this is not my debt and then I have to mail in that I would like verification of debt and refused to give me any information. I do not think that this is my debt, and I believe that this is false because they will not provide me with verification of debt.

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

Complaint narrative:
I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
We have used the American Express Serve card for quite sometime having our payroll direct deposited on this card. We recently noticed a recurring monthly transaction that we did not recognize. Upon further investigation, it was discovered that XXXX the merchant for our cell phone purchase, deceptively had us agree to cell phone insurance through XXXX that we specifically stated at the time of purchase that we did not want. The XXXX told us merchants sneak the agreement in with the other required signatures during purchase - so they are even aware of the deception and would not refund the charges. Upon contacting our cell provider XXXX XXXX XXXX, we were informed that the charges were not from their insurance provider, XXXX, and we were advised to dispute the credit card charges with our card provider immediately. 
We filed a dispute with American Express Serve and when their investigation was complete, our card was immediately closed and we were no longer allowed access to our remaining funds of {$100.00} on our prepaid card. We were told we violated a service agreement ( which was the section stating they could close our account at any time. ) We were also given no information as to the results of our dispute other than to request results in writing - even though the entire dispute up to this point was handled over the phone. We were also told that our funds would be immediately returned via check once all pending transactions cleared which would take XXXX48 hours. Three weeks later, we still have not received our funds. I called American Express Serve customer service and was on hold for over 20 minutes. Once I finally reached a representative, I was told the check was " reissued yesterday '' and it would be another XXXX14 days minimum before I would receive it. The rep could not tell me why the first check was never sent, nor could they tell my why it had to be reissued. Right now we are looking at waiting a total of 5 weeks for our funds to be returned all because American Express closed our account for disputing fraudulent and deceptive transactions. Since we utilized this AMEX card for our payroll deposits, this caused an immediate hardship for our family. We had no additional funds for gas or groceries until our next payroll - which we were left scrambling to receive since it was set up for direct deposit with AMEX Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an American Express card since 2004. I had a high balance of $ XXXX, but lost my job and went into default. Amex structured a payment plan for me where my minimum payment was about $ XXXX/month without incurring interest. I have been paying this minimum amount down regularly each month using an automated payment function on the Amex website. I brought the balance down to $ XXXX. Last week ( XXXX ), I received a phone call from a debt recovery company saying I made no payments since XXXX XXXX and my account was 60 days past due. I took it for granted that the automated payment was going through as we were in a busy time moving house, summer vacations, etc., so I did not check on payments ( I had sufficient balances to cover payments and even if I did not my bank would have paid and charged a fee ). The automated payment had worked for the past few years, so I never questioned it. Somehow, Amex decided to stop my automated payment. I never authorized this and they never informed me of a change to their payment capability. When I call Amex Cust Svc to ask why automated payment stopped working, they reply that my account has been turned over to a XXXX party recovery company and they can not access it. The XXXX party company says they just acquired the account and have no history of what was done by Amex. I want Amex to remove any negative reporting to my credit report, but no one is taking accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
( Please note that I am the father of the complainant here and am submitting this complaint on her behalf. ) Letter from Midland Credit Management , Inc., dated XXXX XXXX, 2016, stating XXXX sold debt to Midland Funding , LLC. Would give a XXXX % discount on " owed amount '' if paid right away. Never used any such credit at XXXX nor purchased goods totalling the amount requested during the alleged time frame. ( Only use XXXX major credit card for any purchases. ) Have never heard of XXXX XXXX. Looking at consumer complaint information, Midland is an extremely bad company. In recent years, Midland has been sued by several Attorneys General and law firms for deceptive and fraudulent practices, including false debts and robo signatures on affidafits stating a debt existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
My ex-wife opened up a credit card in her name on my account AFTER the divorce have been already finalized. She charged {$2500.00} on my account which she signed in her name on all of her charges without my approval to any of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Client Services, Inc.
State: VA

Complaint narrative:
I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: AZ

Complaint narrative:
I have filed a complaint before and thought it was rectified but they are harassing me again. This is not the person 's number but they say when they contact him he gives them this number. That is falsifying information and they should go to jail. They call for a XXXX (? ). I have had this number for 5 years now and no XXXX XXXX here. I constantly tell them the wrong number and they say they will remove but keep calling and from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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 noticed this discrepancy on my credit report, however, I do not know where this debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: NY

Complaint narrative:
MidLand Funding LLC contacted a member of my family and talked to them about my debt. This 3rd party is in no way a co-signer or have anything to do with my debt. The debt collector told them the amount of the debt, who the original creditor was, and that it was my debt. Legally they are not supposed to disclose this information, but now it seems they are harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I had an account transferred to Midland Funding which is a collection agency. I called and Midland agreed to settle for a percentage. I paid the percentage agreed and have received XXXX letters from Midland advising that my account was settled for less than the amount owed and the account is closed. Midland is however reporting that my account is still open with a balance due. I have called numerous times and Midland has verified that my account is closed. I am trying to obtain a mortgage and this account is preventing it. My mortgage broker attempted to have my credit rescored using the letter from Midland and their legal department which advised that nothing is due. When rescoring Midland advised XXXX that the account is still open with a balance due and has now updated my credit report to say the same as of XXXX XXXX which is after the date of the initial letter. I called Midland again on XXXX XXXX and they advised that they would send a letter saying closed but have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had an American Express XXXX credit card. I lost my job in XXXX XXXX and was unable to make payments. They immediately sent me to a collection agency and closed the acct in XXXX XXXX. As soon as I was able I paid the debt in full on XXXX XXXX XXXX. In XXXX XXXX I checked my credit reports and noticed errors on this account. It was showing as a charge off even though it was paid in full. I have submitted over XXXX disputes since then to the XXXX CRAs. The XXXX report is somewhat accurate in that it shows a closed-paid collection/derogatory status even though they removed all positive payment history. My dispute is with XXXX and XXXX. For some reason, the account now shows as Open - Collection status since XXXX XXXX XXXX and XXXX XXXX XXXX. I disputed repeatedly and they " confirmed '' this status as correct. I asked AMEX to send me a letter with all info on my account and to update with CRAs. They sent me a letter that shows Date Opened XXXX, {$0.00} balance, but the status is " Collection Account - Closed by credit grantor ''. No other info is detailed such as date balance was paid in full or date when acct was closed. On top of that now AMEX sends me pre-approved credit card offers even though I asked them not to do so. I have already been denied credit twice with other lenders due to " account in collection '' type issues as I did n't know these accounts were somehow reported " Open- in collection ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a piece of mail from American Express with a prequalified offer for the Blue Cash Everyday Card offering me 12 months with a 0.0 % introductory purchase APR as well as 0.0 % APR for balance transfers. I applied for the card and was approved. Upon speaking to a customer service representative I was told that I did NOT have the 0.0 % APR for purchases, and that this offer was never made to me. I called and spoke to ANOTHER customer service representative who informed me that I DID have the 0.0 % intro purchase APR. Having gathered XXXX conflicting answers to my inquiry, I called again and was told that I did not have the 0.0 % purchase APR. Furthermore I was also told that, that offer was not available on the website or anywhere else. Appalled that I had basically just been called a liar by the marketing team, I went on the americanexpress website and quickly found the offer terms for the XXXX Card. If, this promotion is not offered, it should not be promoted on the American Express website, through American Express mail, or on third party websites, i.e. ; XXXX XXXX. This is false and deceptive advertisement. I also asked XXXX, XXXX, XXXX, and XXXX, the XXXX different employees that I spoke with if there was any situation in which the introductory APR would not be available to a customer, a question in which the employees could not answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.

Company response to consumer: Closed with explanation