vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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: Aargon Agency, Inc.
State: WV

Complaint narrative:
aargon agency and another agency ha s same debt listed on same credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
The AARGON AGNCY  has been paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc.
State: PA

Complaint narrative:
i am a college student every year i apply for my fafsa. when i join a college on XX/XX/2015 i had did my fafsa. because of medical problem i could n't complete my fall semester. but i had drop all my classes. now college is making me to pay it. college never contact me by email, phone or paper letter. they just send me a bill at the end of the semester. i am not able to make this payment because i am a XXXX XXXX XXXX. and they also put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
For medical services rendered on behalf of my daughter in XXXX XXXX, I gave XXXX XXXX XXXX in XXXX, Illinois my insurance card so they could submit the claim to the insurance company. They apparently entered the insurance information inaccurately, and insurance coverage was initially denied due to the hospital providing the wrong policy number. When I discovered in XXXX XXXX that I was being billed for the full amount of {$4800.00} ( an outrageous amount for a XXXX, but that is another issue ), I contacted the hospital to determine why I was being billed for the full amount and why insurance had n't covered some portion of it. I once again gave them my correct insurance information, and they advised me they would take care of resubmitting the claim to the insurance company and would resubmit a new bill to me once my medical insurance had been properly submitted. Instead of receiving a corrected bill, within two months, I began receiving harassing notices and calls from a collection agency for the full amount of {$4800.00}, so I contacted the hospital again. I once again explained the situation, asked them to resubmit the claim to the insurance company, and asked them to contact their collection agency and remove the claim from collections and to contact any other credit reporting agencies to which the information was sent that may affect my credit score. Long story short, none of this ever happened. I have contacted the hospital four separate times about this, and each time I was assured the problem would be addressed. I also have explained the problem to the collection agency ( Harris & Harris ), and they say they can do nothing about it. Today I received another harassing call from the collection agency, so I contacted the hospital yet again. They advised me for the first time that they finally have received reimbursement from the health insurance company, reducing the balance due to {$430.00}. I advised them that I would be happy to pay that amount in full, but I needed them to contact their collection agency and the credit reporting agencies to fix their mess so my credit score would not be affected. Despite having never received a corrected bill showing the new amount, I did pay the {$430.00} in full over the phone. Nevertheless, the hospital 's account personnel advise me they can do nothing about their collection agency and my credit score even though it was entirely their fault. Please let me know what can be done to remedy this situation. Should I file a claim? Given the amount of trouble and harassment I had to endure combined with the damage to my credit score that the hospital tells me they will do nothing to remedy, I believe I am entitled to statutory and compensatory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a letter from Transworld Systems Inc. trying to collect {$56.00} from me from The City of XXXX XXXX Fire Department. I called Transworld and asked what the alleged debt was. The " customer service '' rep was extremely rude and could not even tell me why I owed the amount. I called the City of XXXX XXXX Fire Department and they said they were collecting on an amount that I already paid. No one will correct the situation even though I paid the original amount of {$24.00}. Now they are trying to collect an fabricated number that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a long-term and high volume customer of AMEX. I have a number of secondary cards on my account. When I added the card before thie XXXX, I asked them to expedite the sending of the card, meaning use an overnight service, rather than regular mail. They acknowleged and said they would. But they did n't. It went out regular mail instead. This caused very serious issues and necessitated a change of plans since the card did not arrive in time. 

Last Friday I ordered another card and again asked for it to be expedited. However, because of the previous incident, I wanted to verify that it was, indeed, sent expedited. I called back on Monday and was told that there was some " temporary issue '' preventing them from seeing how it was actually sent, but the reviewed the notes and found that it the notes were clear that it was to be expedited. I called again last night ( Tuesday ) and was told the same thing, except that this time they opened a ticket to figure out why they could n't determine the status. 

I called back today and found that they *again* sent it regular mail and not expedited. But they also say that once they 've sent a card, they ca n't fix their error and send a new XXXX overnight. 

This is unacceptable. XXXX such mistake happens and I let it go. Making the same mistake twice in a row is unacceptable. Being completely unwilling to fix their mistake by sending a new card is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did XXXX speaking to MIdland new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( Midland XXXX are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again XXXX Midland try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. XXXX I keep all my documents etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. 
I just have been informed that they have put not XXXX, but even XXXX hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an XXXX, and XXXX only XXXX months ago, so I am trying to build up my credit, not break it down ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I lived in XXXX in XXXX and XXXX. I had an HSBC bank account. In XXXX I moved back to XXXX XXXX and closed my accounts with HSBC. In XXXX of XXXX I received a new credit card from HSBC XXXX, which I did not request. I called the XXXX office and they said they could not help me because telephone security is not set up. I then called the US phone number and they wo n't help me because it 's a XXXX based account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I MADE MY WIFE AN AUTHORIZED USER ON MY AMEX ( ACCOUNT OPENED XX/XX/XXXX ) BELIEVING THAT IT WOULD HELP HER CREDIT AND THAT AMEX WOULD DO AS OTHER BANKS. IT ENDED UP DAMAGING HER CREDIT SCORE BECAUSE IT APPEARED AS OPENED IN XX/XX/XXXX. WHEN I CALLED AMEX THEY ADVISED THAT THIS WAS THEIR PROCEDURE AND I COMPLAINED BECAUSE THEY HAD NOT DISCLOSED THIS TO ME OR MY WIFE. WHEN I ASKED THEY REVERSE THIS THEY ADVISED THIS WOULD THEN APPEAR AS A CLOSED ACCOUNT ON MY WIFE 'S REPORT EVEN THOUGH NEVER DISCLOSED ANY OF THIS TO HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC/XXXX line of Credit for $ XXXX- {$760.00} was closed XX/XX/XXXX and also listed under my XX/XX/XXXX Chapter XXXX Bankruptcy. However, HSBC/XXXX issued a late payment in my XXXX credit report on XXXX/XXXX/XXXX when in fact the account should be removed from my report as the account was closed XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express platinum card before. I got XXXX sign-up bonus points after I spent {$3000.00} within the first three months, as they advertised. Then I linked this card with another Amex card so the points were transferred there. Later on I cancel this platinum card. About two months after the cancellation they figured out I cancel the card, then they took away that XXXX points from my other account. There is nowhere says I can not cancel my card. I contacted them to resolve this issue a lot of times but they were just making up all kinds of excuse to deny me and none of them are reasonable. They are just a bunch of robbers! Beware of them everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland filed a civil complaint in court. Per arbitration agreement in the credit card agreement, I am entitled to private contractual arbitration. I elected arbitration timely : I sent a letter electing arbitration to the attorney ; I also filed a motion to stay pending arbitration. XXXX XXXX XXXX ( XXXX ) is the former specified in the arbitration agreement. I then filed with XXXX a demand for arbitration. However, Midland refuse to arbitrate by no complying with XXXX 's request to adhere to the policy regarding consumer claims. In all, my complaint is that Midland is suing me ( consumer ) for contracts with arbitration terms but refuse to arbitrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Wrong information on credit report. Company is double reporting negative information with no legal right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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:
The last correspondence I sent the company on XXXX XXXX 2015 pertained to a demand for validation. Midland has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Every day of the work week, they call up to XXXX times and normally do them one right after another at my work number. They do n't leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Sent Transworld Sys Inc. a letter after discussing the matter with XXXX at TSI XXXX XXXX ). It is not my debt, someone with same name but clearly younger than me and a different Social Security Number. They replied to my letter of XXXX 2016 saying that it was unclear if I owed this or not so it could not be removed. I viewed my free credit report early this year so I can not access the report to contest the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: CA

Complaint narrative:
XXXX has continued to report these XXXX debts on my XXXX & XXXX credit report. I have continually sent request for validation to them and disputed the information with the various credit agencies. They continue to ignore and not comply with the request. The lack of compliance on their part is causing harm to my finances. I request that since they have not complied with these request that they stop anymore reporting of this line. And remove or delete it from my credit reports. So that I may not be burdened with this issue now or in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
The American Express website shows a balance figure called the " Current Balance '' in a larger font than some other sub-balances. However, this figure is actually the Statement Balance, not the current Outstanding Balance. So if you pay only the " Current Balance '' you actually a leave a balance on the card and thus must pay a financing fee. This is needlessly confusing and seems to be an attempt to bilk customers out of financing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my " balance ''. Not to sure what to do with these people. Is this a scam?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have XXXX sent via USPS certified mail requests to verify this debt and the company has not responded with any information to verify it. I had no dealings with this company they are trying to collect for. They also have refused to show proof licensing in my state, proof they own the debt, any detailed information on what the money is for, or how they come up with their calculations, copies of signatures showing I purchased any item, any payment history on alleged debt. They first replied they did not understand what I was asking for. After the XXXX certified letter, they said I did not submit sufficient information to investigate my dispute. This collection agency is the one who has come after me, left bad credit reporting, and for a company I never have done business with - the collection agency should have information to see what this debt is for, after all I do not have any further information, as I had no dealings with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been Paying Asset Acceptance , LLC due to a court mediated order since XXXX of 2013. After 6 months they tried to make like I was n't making payments because they wanted them sent somewhere other than court order. Now I find that the checks I am sending are being cashed by XXXX bank and not going to Asset acceptance account.making out like I am not paying. I have been sending these checks the same way for over two years. XXXX has nothing to do with this and I have not been notified of anychange. XXXX will not talk to me nor give me what I have paid since court order. XXXX has Posted checks into XXXX seperate accounts. XXXX is for a XXXX bank that I do n't have any idea what this is, but fraudulently is nothing to do with the court case with asset. I will file a seperate case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was part of a workman 's comp claim. I directed hospital billing to my insurance claims adjuster. Hospital continued to call me. I instructed them this is a workman 's comp claim and I am not the party to pay for this bill under California Labor Code section 3751 ( b ). They have submitted me to a collections company for payment who continues to call me instead of insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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:
Midland funding is not the original the original creditor and they are attempting to collect on debts that are WAY past the statue of limitations for the original debt. If this is not against the law it should be. I did not sign a contract with Midland or any of it affiliate to pay them, so why are they able to submit to the credit agency 's as the the original debt creditor. How are they able to submit this when the original debt is WELL past the statue of limitations for this kind of debt?

Company response to consumer: Closed with explanation