vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 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:
Midland Funding has placed a account on my credit and the account was not verified before it was placed on my credit. I have contacted them several times and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Was actively solicited a half dozen times by American Express Business Gold Card offer. The solicitation was in the name of our s-corp. we applied and were approved. The offer stated that we would received XXXX, XXXX points if we spent {$5000.00} on the card in 3 months - however when it came time for American Express to award the reward points - they claimed that since we had a card previously we were not eligible. 
In later communications they claimed since the person who applied for the card had previously had a gold card - that we were not eligible. Our concerns are : 1. Why would they continue to actively solicit us for their card if we are ineligible? 
2. Why would they approve us and issue a card but not inform us that we are eligible for the reward? 
3. Why would they wait to inform us until after we achieved the desires card spend targets needed to qualify a significant portion of the awards? 

On XXXX/XXXX/2016 we spoke with a XXXX XXXX from American Express who apologized and explained that they have no way of suppressing customer solicitations to those that are ineligible to receive the awards -XXXX explained its in the disclosures - however its not something we could find. 
Lastly - they solicited the small business we own for the card - and we applied for the card in the name of the small business ( an XXXX ) which is a different entity from the individual. Under this type of solicitation and application - our assumption is that the card is associated with the XXXX and since the entity had never previously had a card - we should receive the XXXX points - however XXXX XXXX explained that although the solicitation was in the XXXX name - and even though they ask for an obtain the TIN - that the card is issued to the individual ( the card has the company name on it, was applied for under the company name and TIN ) - and therefore the eligibility is evaluated based on the individual 's SSN on the application. 
While I am a well educated man I can not understand how this type of behavior is reasonable or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This complaint reports the unfair debt collection practices on the part of PHH Mortgage Corporation. Please see the enclosed Word document for details. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I need you to get this company off my back!!!!! I can not afford to pay anything since I am on a fixed income and on XXXX and I am totally XXXX. I plan on filing for bankruptcy come XXXX 2017. If they sue me they wo n't be getting anything from me cause I have nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 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: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
Transworld Systems Inc. did not share information that the debt was paid in full with the original company, XXXX and thereby I was sent to collections, from XXXX to another collections agency. 

This continues to show up as an uppaid account on my credit report and thereby negatively impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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:
This company has never reached out to me to collect any type of debt. I looked on my XXXX report and my credit score dropped drastically for this collection debt. I called and asked them to provide me with the invoice or any written documentation, which they would not provide me. They asked for my SSN multiple times and were trying to reach someone named XXXX, who is not me. I informed them this was not me ; however, they told me there is nothing they can do unless I provide my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX. 
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. 
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC is in direct willful violation of FCRA 623 ( a ) ( 1 ) ( B ) for reporting inaccurate information after notice, and FCRA 623 ( a ) ( 2 ) ( B ) for failing to provide corrections to the consumer reporting agencies. I filed a direct dispute with their Chief Compliance Officer under FCRA 623 ( a ) ( 8 ) ( D ) on XXXX XXXX, 2015 through XXXX I selected the option the dispute the debt, listed all of the identifying information required, and explained that the debt had been settled several months ago ( XXXX XXXX, 2015 ) but that they were incorrectly reporting that the account is still open with a balance. After not receiving an email response in a week, I mailed ( on XXXX XXXX, 2015 ) a physical copy of the direct dispute to the address on my credit reports. Again, including all of the required identifying information, identifying the specific information that is being disputed, the basis for dispute, and enclosed supporting documentation ( release of judgment lien, and settlement letter from Midland 's attorney ). It has been 30 days from my XXXX dispute via their website, and as of today XXXX XXXX, 2015, Midland has not corrected the information in my credit report. This is not " timely '' and Midland has reported the same negative information again since my dispute. I find it absolutely unacceptable that this unethical company knowingly and, I believe, purposely, reports incorrect negative information to credit reporting agencies to damage consumers ' reputation and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
In XXXX Midland Funding Filed a lawsuit against in XXXX. As of XXXX XXXX I no longer lived in the state and reside in XXXX. I learned of the lawsuit when my wages started getting garnished. Since I am XXXX I immediately contacted Midland whom would not stop the garnishment unless I paid more than half of the balance and continue to pay the rest of the balance in 26 monthly installments. The account is now paid but the damage to my credit file remains showing I have a paid collection and a judgement. I was never allowed the opportunity to dispute this debt, which I do not believe was mine. I have written several letters to Midland and they refuse to discuss this issue of the illegal suit or the removal of the negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 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: TN

Complaint narrative:
This debt is not mine Midland funding states that I owe them {$4200.00}. I never set up an account with XXXX XXXX Bank. Please call them and have it removed from my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I had an account with XXXX that was opened in XX/XX/XXXX. The account was sent to Midland Credit Management in XX/XX/XXXX for collection. They continue to report my status as a charge off even though it was paid. In XX/XX/XXXX I had lost the information for MCM after making payment arrangements. I called XXXX to get their information and was told I could make payment through them, so even after selling the account off, they illegally took a payment from me in XXXX XXXX, thus allowing them to re-date the account on my credit report. XXXX also shows the date of 1st delinquency as XX/XX/XXXX, however, supplies no data for any month from XXXX XXXX through XXXX XXXX, other than the months in collection. Midland is reporting they received the account in XX/XX/XXXX, though XXXX shows them sending it to collections XX/XX/XXXX, thus allowing Midland to improperly report the information and further affect my credit longer. Midland also reports the account as " Paid account/was a collection account, insurance claim or government claim or was terminated for default '' in an attempt to make a lump sum status even though each of these items carry a different rating with lenders thus affecting approvals differently and they also look for liens/judgements when a debt is tied to insurance/government claims thought that is not the case. Both of these companies are unfairly trying to prolong their negative reporting has on me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This account has been paid in full but is not being reported to the credit bureaus as paid in full. XXXX XXXX has been updated. But this account is not being reported. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have the below unauthorised payment happening on my card for the past 6 months and AMEX has not investigated this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a letter in the mail from MCM/Midland Credit Management, INC 0N XX/XX/XXXX advising me that they are the new owners of a debt they say I owe in the amount of XXXXXXXX.I called and spoke to a associate and he asked me for the account number, I provided it, and then he asked me if I was calling to make a payment, I advised him I dispute this debt, and he told me I have to dispute it in writing.I sent out a LETTER ON XX/XX/XXXX, I was told that if I do n't pay this it will be reported to the credit bureaus.I told him not to call me.This account was purchased by Asset Acceptance and they also harassed and threatened me.This account was opened in XX/XX/XXXX with XXXX and paid, I had XXXX months no interest .I am not sure how many companies have attempted to collect this money I do not owe, but it has been several.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED (XXXX)ACCOUNT, NOT MINES AND PAST STATE(GA) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; (4) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA...NOTE: ID FRAUD AFFIDAVIT WAS FILED WITH FTC# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a statement from American Express for {$600.00} that is not the result of any purchase whatsoever. It was a dormant account that american express used to generate late fees and membership fees with no actual usage. Over the phone American Express said they can not even find any purchases as they could see in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To whom it XXXX concern. Midland Funding LLC has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact XXXX XXXX XXXX XXXX XXXX, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of MIDLAND FUNDING llc XXXX OF XXXX XXXX XXXX, XXXX & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I made a purchase in the XXXX. This was converted at an fx rate ( a poor one ). I was charged 1.5 % by the merchant and 2.7 % in administrative charges. When I queried this they could not explain what these charges were and refused to itmemise them or that they had in fact incurred them. When I asked to dispute this, they resisted and ultimately said I would have to dispute the complete charge as they are related. When I ask for details of their regulator, they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. 
Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. 
His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. 
The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''

Company response to consumer: Closed with explanation