vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 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: NC

Complaint narrative:
In XX/XX/XXXX XX/XX/XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from Midland Credit Management. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love XXXX out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by midland credit management business practices says it 's verified, but no evidence was ever or has ever been given. LOVE XXXX CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I received a letter from Transworld systems Inc. TSI ; XXXX XXXX XXXX , XXXX , PA. XXXX ; Phone XXXX. 
This is supposedly a debt collection agency trying to collect a {$22.00} debt owed to XXXX XXXX XXXX. I have no debt to this organization and when I XXXX XXXX., I got more than one company listed. When I XXXX Transworld, XXXX would not load their page because of an Unsecured website. 
When I called the phone number Transworld had in this letter ( XXXX ), I received a voice recording stating the person I at the extension I dialed ; XXXX is unavailable. Suspect this is a scam and will not make payment on something I can not identify or verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. 

My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
This collector XXXX contacted my friend off of my XXXX! He was my old boss ... I Do not work anymore and i had his old info on my XXXX. He told me they called once before and said they were a debt collector .. They called him again and i was visiting. Ironic. So they stalked my XXXX and called my friend to contact me. Not only did they Embaress me, but she talked down to me, yelled at me and was down right demeaning! I have NEVER been talked to like that before. Like i was just scum. I didnt even get a chance to ask what the debt was for before she started yelling at me. I dont know what kind of business is aloud to treat people that way!! If she wanted money, that is most definitely not the way to go about it. To threaten, yell and intimidate and harass. Its awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 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: IL

Complaint narrative:
Midland Credit Management contacted me at on XXXX/XXXX/2015 at XXXX to collect a debt owed by a XXXX XXXX. I was disconnected XXXX times this XXXX after requesting to speak with a manager or supervisor to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I established a payment plan with American Express that was not enforced and the account was closed against my wishes and Amex failed to uphold it 's end of the bargain. I had a set date for repayment and when I contacted them, they just said the account was closed and no payments could be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The credit card issuer is not properly investigating the disputed transaction between the merchant and credit card holder. All the support provided by the credit card holder is being ignored. The credit card holder contacted the credit card issuer multiple times and requested to discuss the case with Dispute Resolution Department directly. All the requests were ignored, the case was cancelled and reopened several times since XXXX 2015. Please assist to get hold of Dispute Resolution Department representative of the credit card issuer ( not just the general customer service representative ) so that I can explain the situation to the case investigator and discuss the deficiency in their previous reviews. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX 2014 I contacted American Express because of health issues affecting my ability to pay my account in the manner I had through the previous thirteen years and I ask for concessions to allow me time to adjust my payment schedule so I could recover and AMX purportedly granted my request and allowed me to pay a reduced amount starting with my XXXX payment. In this program I was to pay {$270.00} per month for XXXX account and $ 1.1 % per cent per month of the unpaid balance on the other account with the {$270.00} put on automatic withdrawal from my checking account and the other was paid monthly by direct payment from my bank also. This went on for five months as I noticed the balances were not declining as it should and I called AMX and questioned why this was so. There reply was that there was also a 9.9 % charge added to the payments. I told them that an inactive account should not be charged interest. Then they instructed me that I had forfeited on my agreement with them and my credit would show a nonpayment disclosure to my credit report. I then tried to talk to someone in authority and could not connect with anyone. After repeated attempts I gave up trying and I hired a company called XXXX XXXX XXXX of XXXX, OK to negotiate and settle on my behalf they were unable to reach any kind of agreement with AMX and now I am in the process of my money being refunded and I need help with these accounts and to allow me to repay without a judgment being leaned against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
A company by the supposed name of " Allegiant Capital Management '' has made several phone calls to my family members, job and friends claiming that they are " serving me papers for a debt ''. They have contacted me personally as well and have left several messages from different phone numbers stating " the purpose of this initial communication is to make you aware of an attempt to obtain your signature for required documentation in acknowledgement of protecting your consumer rights for your breech transaction. Failure to respond will result in direct violation under gross negligence. Please contact the compliance department at XXXX or press 1 to be connected. '' This number called from XXXX XXXX, WA and they also call from XXXX. They are very threatening, and they will not give any information on this supposed " debt '' and only want to receive information without giving any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
My only American express account number is XXXX paid in full good standing. The company try to collect a debt of a card that 's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: LTD Financial Services, L.P.
State: VA

Complaint narrative:
Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. 
I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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: CO

Complaint narrative:
Received a collections letter on XX/XX/XXXX from debt supposedly owed from XX/XX/XXXX. Never once have I received any outstanding charges notification prior to this letter. On top of that never once have I stepped into any one of the buildings of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. XXXX letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
AMERICAN EXPRESS XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$200.00} American Express giftcard for XX/XX/XXXX. I used it once and charged {$90.00}. I went to try to use it again and it now has a zero balance. When I looked at the statement online, it says it was used for the balance {$100.00} by XXXX. American Express gave me no answers. I called XXXX and they are the company that makes the machines where the cards are swiped. I have no recourse basically because there seems to be no way to trace where this card was even used!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 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: OH

Complaint narrative:
I made purchases in which I paid in full. 6 months later I receive an attempt to collect on further purchases, which I did not make. The company, XXXX XXXX XXXX sold my debt to Midland Credit Management , Inc. Midland put this on my credit report before ever contacting me. I contacted them to advise them that I did not owe and that they were not following Fair Debt Collection, by putting a debt that I did not owe on my credit report, especially before notifying me that they were going to do such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PROFESSIONAL COLLECTION SERVICE, INC
State: AZ

Complaint narrative:
I spoke to Professional Collection Services on XXXX/XXXX/15 at XXXX XXXX and upon calling I was rudely answered with a " Hello '' and than proceeded to be asked " How I got this number '' I advised the Lady that it was on the letter they sent to me regarding a debt for my wife. She sighed and very rudely asked my account number. The call proceeded speaking about my wifes debt and she never asked who I was, verified any piece of information and disclosed everything to me about my wifes debt not knowing who I was. She than stated that I could not contact the client directly as it was placed with them and they would n't speak to me. The lady was rude and very abrasive when I asked about a Settlement and I told her I did n't appreciated her tone and I would call later and hung up. 
I called back later in the day but Recorded the entire conversation this time. Again they failed to verify who they were speaking to, never gave me their name, their company name. I asked how the settlement was determined and she told me " It does n't matter how we determine it, Im in collections and she does n't even have to give me a Settlement '' I was also informed on my second call we had another account in her office for {$4900.00}, in addition to the {$630.00} debt I was calling about. I asked her about the other debt she said they sent VOD to my address I advised I never received it and would like to dispute and see proof. She got very upset said she would send it again, but that since it was n't on my credit report she was going to Re-Report it to my credit since it is a sizeable debt. 
I have worked in collections for many years as a manager and trainer and this is by far the Worst collection call I have ever heard, countless laws were broken and this agency needs to be reprimanded for their unethical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have had an American Express ( AMEX ) credit card since 1979 and have been happy with the service until my recent change to a new AMEX card that offered 'no interest for 15 months on balance transfers '. I was not told during my telephone application for this card that there is a THREE PERCENT CHARGE ON BALANCE TRANSFERS. XXXX notwithstanding, I believe that it was deceptive to offer me a " no interest '' balance transfer and fail to mention the three percent service charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: CA

Complaint narrative:
The original debtor XXXX, XXXX. in regards to ( XXXX CREDIT CARD ) # XXXX has notified me with a cancellation of debt letter form XXXX that pertains to THIS SAME DEBT with XXXX different collection amounts. Below are the collection amounts with XXXX different collection agencies that show still show on XXXX credit report that need to be REMOVED ASAP since I paid the cancellation of debt tax already with the XXXX form which I am submitting in PDF FORM in this email today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express prepaid gift card in the amount of {$50.00} in an unopened and fully sealed package about 2 weeks ago. Today, I opened the package and tried to use the gift card for a purchase only to find that the card contained no balance. I called American Express to tell them about the fraudulent activity and they refused to do anything about it. They said the funds were used and card swiped at the time of the fraudulent purchases. I advised them I had possession of the gift card in its sealed package the whole time, but they still refused to address the problem. They said they treat the cards like cash, but if it were cash, I would have it in hand since it was in my possession the entire time. This is unacceptable for American Express to sell gift cards which are prone to fraud and leave the consumer who had possession of the card the whole time with no alternatives to get their money. On the packaging they even state " Funds replaced if lost or stolen ''. In this case, the funds were stolen and they refused to replace the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
companies refused to close bank accounts for three months or more after repeated requests and repeated XXXX balances. sometimes these banks claim pending acount activity when there is none.They refuse to cease all auto drafts of said accounts.This really needs be reported to ftc. They dont want the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I TRIED TO MAKE PAYMENT WITH MY AMERIAN EXPRESS CARD TO XXXX CELL PHONE COMPANY FOR XXXX AND TWO TIMES THE XXXX SITE SAIN IT COULD NOT TAKE THE PAYMENT DUE TO INSUFFICIENT CREDIT AVAILABLE. i CALL AMERICAN RIGHT AWAY AND THE REP SAID SHE DID N'T UNDERSTAND BECAUSE THERE WAS MORE THEN ENOUGH CREDIT LINE TO PAY THE CHARE AND AT THEIR END IT SHOWED XXXX CHARGES FOR XXXX BECAUSE WHEN AFTER MAKING THE FIST ATTEMPT AND IT WOULD ACCEPT THE 1ST CHARE I TRIED AGAIN AND XXXX WOULD NOT ACCEPT, tHE REP SAID THE CHARGES WOULD DROP OFF AFTER XXXX 10 DAYS AND WOULD BE PUT BACK ON MY ACCOUNT, HAVING FAITH THAT IT WOULD I MADE A XXXX PAYMET TO MY AMERICAN EXPRESS CARD AND LATTER THAT WEEK I TRIED TO PAY MY XXXX BILL FOR XXXX same thing happened, i spoke to customer service on XXXX XXXX th to a woman named XXXX XXXX ID # XXXX she assured me by XXXX XXXX the charges would drop off aND WOULD BE CREDITED BACK TO MY ACCOUNT, TODAY IS XXXX XXXX TH NOTHING CHANGED. I CALLED AMERICAN EXPESS AND THEY DAI THEY CAN NOT FIND ANY RECORD OF THESE CHARGES BECAUSE THEY DROPPED OF, CONVIENTLY THERE IS NO WAY TO TO PROVE IT BECAUSE THE RECORED OF THESE TRANSACTION HAVE BEEN REMOVED, MAKING IT POSSIBLE TO NOT RETURN THE XXXX FROM XXXX THAT THEY SAID THEY PAID TO THE MERCHANT? THE REP I SPOKE TO ON XXXX XXXX TH AT THAT PIONT IN TIME INDEED FOUND THE CHARGES AND AGREED THAT ONCE EVERYTHING CLEARED OUT Y AVAILABLE LINE OF CREDIT WOULD BE XXXX, NOW aMERICAN eXPESS SAID TODAY THEY CAN NOT FIND ANY RECORD THAT I EVER EVEN TRIED TO PAY XXXX AT ALL!

Company response to consumer: Closed with explanation