vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 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: IL

Complaint narrative:
I am so frustrated with Midland Funding. They are attempting to collect debts I do not owe. In a prior dispute they responded that they have put my number on their do not call list. At that time they were saying I had XXXX debt now I 'm getting calls on XXXX different debts that are NOT mine. They have also added Collections on my credit report causing my score to drop by over XXXX points. Is it legal for them to destroy my credit without ANY proof or documentation that I owe it? The entire credit system is broken if this is possible. I ca n't even sleep nights worrying about this and want someone to stop these predatory tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Did not receive right of notice to dispute this negative incident before it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was called without warning and my card was suspended immediately despite my account being in good standing. In an era of apps and automatic monthly fees for everything from groceries to car sharing this is completely disruptive and damaging. 
The reason? A 'credit review ' So I followed the request for an IRS form that same day. 
I called that day and receipt was confirmed and the Amex rep reviewed the form and told me everything had been completed according to instructions. 
I called several days later and was told the IRS had accepted my form and that the review should be completed that week. 
The form requested was my XXXX which documents a significant income. 
Despite reassurances we are now 3 weeks without access to the card and there has been no response. 
Various apps and services are now all requiring being shifted to other payment methods

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: LA

Complaint narrative:
This credit card account WAS not opened in XXXX is was opened in XXXX and the last payment and the made in XXXX. This company has brought the debt and it starting the time all over. Which is not to be done. Per Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
1. ) I was treated at ER as result of a WORK ACCIDENT XX/XX/XXXX when I was driving a cement mixer truck of the company XXXX. 
2. ) The police was present and they DID NOT GIVE ME A TRAFFIC OFFENSE CITATION, because the accident was result of the rainy weather. 
3. ) A representative of my employer ( XXXX ) was present at ER and gave the information about their insurance company. 
4. ) On XX/XX/XXXX, I received a letter from XXXX inquiring me information about the responsibility of this charges. 
5. ) I immediately submitted the information online and by phone call. I got a confirmation e-mail and they stated that will be in contact if they would have additional questions. 
6. ) XXXX XXXX, did not contact me anymore.however XX/XX/XXXX TRANSWORD SYSTEMS INC. sent me a letter for collection. Immediately I sent a letter to Transword Systems and to my ex-employer XXXX, to let know them that I do not owe this debt and they have to direct the collection to the insurance company. 
7. ) TRANSWORD SYSTEM INC. answered me that they can not effect a change to how the company have listed the account on my credit profile. And XXXX XXXX XXXX, sent me a e-mail, let me know that they informed to the insurance company in timely manner. 
TRASWORD SYSTEM INC, advised me that I should to contact to you ( FTC ) to file a complain about the way of the debt collection, because in the statement of account contains the insurance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 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: OH

Complaint narrative:
The name and location of the school I attended during the time I borrowed the private student loan in question : The Ohio XXXX University, XXXX, OH. 

The issue at hand : The current situation I am facing surrounds National Collegiate Trust ( NCT ) and their attempts to collect on a series of private student loans totaling more than {$30000.00} that they can not provide any information to me about. NCT has recently filed suit in my hometown court of common pleas ( XXXX County, Ohio ) with regard to this matter and I do not know who to turn to since lawyers in my region will not get involved in student loan consumer disputes. I was actually told that these situations do not bring them any money in fees, they are an uphill battle to wage and they simply are n't worth the time. I have a real legal situation here where I am being harassed ( as well as my co-signer father who filed for bankruptcy a few years ago ) for payment and I have no way of remedying this situation on my own. NCT refuses to cooperate with me at any step along the way and I deserve a chance to validate this debt and act accordingly. I do not know who owns the loans in question, who services them, or who is able to collect payment on them. NCT has previously informed me that they occupy none of these roles ... .that they purchased loans in bulk and can not provide detailed information on individual disbursements. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Amex XXXX Cardholder for over 10 years. XXXX stated on annual fee of {$450.00} for my wife and I ( joint account ). For the first time since opening the account we have been billed an additional {$170.00} annual fee for my wife which is not part of the T & C 's and Amex will not honor the disclosed XXXX 's after multiple calls. This is a clear UDAPP issue and no prior notice has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
Hi, I have been a serve member for a little bit, then early XXXX I recieve an email saying my account was suspended saying I violated the user agreement but did n't give any notice of what I did. Ok fine, that XXXX but if they do n't want me as a member fine. I called and was told I would receive a check for the balance within 10 business days I think it was. But it never came, I called again a few times and was told different things each time. I was told it was being reviewed and to wait 3 business days and call back and then one time was told there was 24 hours left in the review period and to call back afterwards .... anyways fast forward to now, they no longer give me any details just that the account is under review and that I might not get my money back. Wait, what? This has been going on for almost 3 months and now they wo n't tell me anything, I 'm hoping they will work with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX. 

This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I owed XXXX to American Express. On XX/XX/2015 I wired XXXX to settle the account. the law firm accepted the settlement and forwarded the funds to American Express. The payment posted and a few days later Amex sent me a bill for XXXX due XX/XX/2015. Their online system still reports that I currently owe them XXXX and that amount is reporting to all XXXX credit bureaus. I have disputed with all three and Amex confirmed to them I still owe the money. I have called Amex multiple times and every time a get a different answer. They said the account has been settled but their system wont show it for 60 days? Am I going to get a late payment reported to my credit report on XX/XX/XXXX? How come I was sent a bill and why is it reporting to the credit bureau incorrectly? I have a job renewal that requires a credit report and I was told to have this account settled, which i did, but can not prove it. The letter from the attorney XXXX office is not complying with what Amex is telling the credit bureau when i dispute it? this is a huge problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX XXXX Bank and their second collection agency are in violation of the Fair Debt Collection act. The First collection agency assigned to XXXX XXXX was satisfied and paid in full. Now in XXXX XXXX Midland Credit Management became the owner of debt that has already been paid. I am tired of this nonsense, and so is my attorney and he knows California Law and that the debt can only be assigned once. Please help. XXXX Creditors have been notified to remove these items from my credit but to no avial, I keep getting the run around. I greatly appreciated your help! Thank you. I have disputed with all three credits bureaus and they still wont remove these debts that have been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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: CA

Complaint narrative:
With correspondence dated XX/XX/2015 ( see attached copy of letter XXXX, Midland received my request for validation for an erroneous account I had found them reporting on my credit report. They failed to respond to my request with any sort of validation and have continued to report the account on my credit report. This is a flagrant violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I have been trying for months to clear out a medical debt that was sent to collections, with a service date of XXXX/XXXX/XXXX. I did n't know about it until XXXX when I could n't get credit and reviewed my credit report. The issue is that I was covered by Medicaid from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX, which I confirmed with XXXX XXXX, Director of the Office XXXX in the Department XXXX in XXXX XXXX. Her phone number is XXXX. Every other bill from that hospitalization was covered, so I 'm not sure how that fell through the cracks. My attempts to clear that debt have been unsuccessful because the collection agency claims that the debt is valid -- which is true, but it should have been covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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: VA

Complaint narrative:
Midland Funding is incorrectly reporting a collection account on all XXXX of my credit reports as an " Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me to be denied credit when I should have otherwise been approved. 

I sent a direct dispute to Midland Funding on multiple occasions specifying that they were incorrectly reporting a collection account as past due and requesting that they correct the information. They replied on stating that they were " unable to determine the nature of my dispute, and consequently deny that their records are inaccurate. '' I was very clear in my letter to Midland, I was very specific in my direct dispute, citing every error that was being reported. Midland 's response makes me believe that they did not even bother reading my letter or following up on any of my claims. 

Specifically, Midland may not list this account as a factoring account, as they are not a creditor and I have never entered into any agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as Midland is not a creditor and I do not have any installment agreement with Midland. 

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for the Platinum Card from American Express with offer spending {$3000.00} for the first three month then I can get XXXX membership reward points on XXXX 2016. And I did spend a total {$3600.00} ( exclude {$450.00} annual fee ) within first three month. However, I do not know why my XXXX points were claimed back on XXXX/XXXX/2016. I did not get any kind of notice or explanation. I do contact customer services serval time, and was told that I might return something and made my total spending less than {$3000.00}, after I checked my billing statement I am sure that my total spending were more than {$3000.00}. I feel so disappointment about this behavior of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given wrong information by XXXX XXXX XXXX on XX/XX/2015. I booked XXXX travel ticket with help of XXXX Agents to XXXX. Told the travel agent.at XXXX before I booked the tickets told them our situation, That just in case if we do not get the visa to XXXX can we get the full refund on the reservation. He told me yes if you cancel with in 72 hours before departure of the flight. Plus you are backed by XXXX XXXX, you should be good. Weeks later we did n't get the XXXX so I called to cancel the reservation. A month later I got my statement says that I owe XXXX {$8300.00} for no showing up to travel. Now how can it be now show when I had canceled the reservation. XXXX told me they had re booked my flight for a different day.I told them how can I travel when I did n't have the XXXX to travel. Plus you never notified me any way of the changes. Until today they have no answer for that. I have attached the copy of the reservation and cancellation. This company had given me the run around with no clear answer.Now there trying to ruin my credit by sending to collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
Yes the company is coming to my home leaving mail stating field visits to me. To collect I find this to be harassment and unorthodox and scary.Also they call all the time constantlety through out my work day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Regional Management Corporation
State: TN

Complaint narrative:
I still have an account showing on my credit report who was included in my bankruptcy. I still also received treated phone calls regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC
State: UT

Complaint narrative:
Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.

Company response to consumer: Closed with explanation