vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-13 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: NH

Complaint narrative:
Midland Funding is violating multiple sections of the FDCPA by falsely communicating information about XXXX alleged, unvalidated debts to consumer reporting agencies. Additionally, the debts they are alleging to be mine are beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Midland Funding is reporting an account with a balance of {$1900.00} on an alleged original amount of {$1500.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I have a monthly payment agreement with them ( I do not ). 

Similarly, Midland Funding is reporting a second account in the amount of {$600.00} with identical reporting inaccuracies to the account stated above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The loan I currently have with UAS is not qualified for loan forgiveness. I am asking for loan forgiveness because the institution I took the loan out for was convicted of fraud and is no longer operating. UAS is not able to give me an exact reason as to why they are not willing to forgive my loan. Knowing that XXXX ripped off XXXX people. Why are federal loans being forgiven and not private ones?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: AL

Complaint narrative:
I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points, which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the " point of sale, '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was ), I realized that Amex had automatically been placing certain charges into this " pay over time '' category, and which led to the accrual of significant interest, whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program, as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points, which is why I should enroll. When I made the realization that the point of sale representation was false, I demanded that I immediately be disenrolled in the program, and on that same call I was told I was disenrolled from the program. Recently, I noticed the same charges on my card, reflecting that I had NOT been disenrolled as promised. When I called to complain, I was told that, in fact, I had never been disenrolled and was now enrolled in XXXX " pay as you go/pay over time '' programs, neither of which I consented to. Amex reversed the most recent charges, and I asked that an investigation be started to determine ( i ) why I had n't been disenrolled in the first instance, ( ii ) identification and reversal of all charges owing to this program, ( iii ) confirmation of complete and total disenrollment from any pay over time / pay as you go program. In the meantime, I searched my account records back to XXXX XXXX ( which is as far back as I could go on the Amex online system ) and saw that from XXXX XXXX to present, charges of more than {$1100.00} had accrued owing to these programs. After a two week investigation, Amex told me ( 1 ) they could not identify when I was enrolled ; ( 2 ) they could not determine if or when I was disenrolled ; ( 3 ) they could not determine the amount of charges at issue ; and ( 4 ) they could not determine how or why or when I was re-enrolled in the initial program or enrolled in a new similar program. Amex refused to take any corrective action because " there was a time when charges did not accrue, so you must have been disenrolled at some point. '' I requested the investigation be reopened and escalated, and was told Amex was unwilling to do so.

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

Complaint narrative:
This is about Amex Gold Delta Skymiles credit card. When I was booking airline tickets at XXXX on XXXX/XXXX/XXXX and ready to pay with my visa card, a pop up came up inviting me to apply for the XXXX skymile credit card to get {$50.00} statement credit and XXXX bonus skymile miles after spending {$2000.00} in the first 3 months. So I clicked on the link and applied for the credit card. The card was immediately approved and used to purchase the airline tickets. I continued to make purchases with the card so it met the purchase requirement of {$2000.00} during XX/XX/XXXX. 
When the statement came, I did n't see the {$50.00} statement credit posted, neither the XXXX bonus miles credited to my skymile account. So I called customer service on XXXX/XXXX/XXXX and was told that I would get the {$50.00} statement credit and bonus miles in next statement cycle. When I still did n't see those bonus posted in the next statement, I called again on XXXX/XXXX/XXXX. This time I was told that I did not qualify for the bonus because I had the card in the past ( which had been canceled before ). I asked to speak to a supervisor who gave me the same answer. The supervisor said that his manager would call me in 24-48 hours to resolve the issue, but nobody ever called back! 
I felt totally deceived. First of all, I did n't ask for this credit card, they lured me to apply for the card with bonus offers and promises. I would never apply for the card if there were no bonus offers. Second, I did n't see anywhere that they stated that the bonus offer can only be given to customers once in a life time. If they do have such exclusions/restrictions, they should n't lure customer to apply for their credit cards with those bonus offers in the first place! That 's an obvious deceitful business practice!!! I am also very disappointed at their customer service who refused to resolve this issue. I am now reporting this issue to CFPB and asking Amex Delta skymile credit card to honor their promise and give me the {$50.00} statement credit and XXXX skymile miles that I well deserve. If the issue is still not resolved through CFPB, I 'll cancel this credit card and stop using Delta airline and Amex service anymore in the future. I will also report this act of deception and malpractice to XXXX and attorney general to have this matter investigated. I am sure that there are many victims like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I set my credit card to pay via ACH for the XXXX cycle of 2015. Per the vendor, the amount posted of {$6200.00} was declined by my bank. Per my bank, no amount was ever posted against my bank account. Regardless, after getting an email from the vendor, I paid the full amount outstanding on the account as of XXXX XXXX, 2015, {$7700.00}. The vendor continued to charge me interest for the next XXXX months on purchases that were made after the XXXX of XXXX - the date on which I had a XXXX balance. I 've called the vendor to complain and was told that the interest was for " residual interest. '' I explained that I understand the concept of residual interest but that because my balance was at XXXX, there ca n't be any interest on a XXXX balance. I spoke with XXXX other icustomer representatives and Interest in the amount of {$210.00} that the vendor asserted I owed in the XXXX statement was verbally credited back to my by a customer representative and I was told that I would see a credit on my account in the next XXXX days. However, the vendor asserted that even though my balance had been paid down to XXXX, I am still liable for a total of {$190.00}. The maximum amount that was outstanding for the ten day period was {$7700.00}, the total amount due on my account on the XXXX of XXXX, per the vendor. {$190.00} for ten days of a balance at a maximum of {$7700.00} is nearly 100 % interest. Per the 15 % stated by the vendor, I should owe approximately {$31.00}. I have closed this account with the vendor. I have contacted the vendor on XXXX separate occasions about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: MOHELA
State: TX

Complaint narrative:
Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation
State: TX

Complaint narrative:
I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This account with hsbc still double report on my credit reports XXXX Is over 8 years that I made my last payment and they still reporting it. If they ca n't send me a debt validation then take this off my credit reports. And they have XXXX as their collection agency and they are reporting it too. It was paid in full to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I wanted to cancel my XXXX business card last year around XXXX XXXX, 2015. I had placed most of my overhead for my small business for two years on that card. I had accrued XXXX membership points for using the card. I was told on the phone by one of their employees that I could cancel the card and still use my membership points. After the card was cancelled I went in to use the points but there were none to be used. I called them back and they said that I had voluntarily given up my card and so forfeited my points. After a long conversation telling them I was given the wrong information, they told me they reinstated my card and that my points were back in place. When I tried to use my points, they were not there. I was told that I voluntarily cancelled my card so I forfeited my points. I only did that because of the information they gave me on the phone. They have consistently told me that they value my business, but if they would listen to the conversations they recorded they would hear that I was given misinformation. Why would I cancel my card with that many points only to reinstate it again within 24 hours or so just to lose that many points? I just want the points back to use and then cancel the card, which was my intention in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
1 ) About XXXX, 2016 ( when I XXXX became aware of their derogatory report in my Credit File ) I sent a mailed Request to the company [ Midland ] in XXXX XXXX, Calif. to remove the False & Derogatory Report with the ( XXXX ) Credit Bureaus. They Failed/Refused to respond. 

2 ) XXXX XXXX, 2016, I sent a Request to [ all XXXX Credit Bureaus ] to Dispute the False Comment by [ Midland ] and Requesting they Remove it. No Reply to date. 

3 ) XXXX XXXX, 2016, I sent a XXXX complaint on [ Midland ] to Calif. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( XXXX Bank ) and their collection company Midland funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express, via their web site for customers, offers valuable rebates programs for various merchants. My wife and I have a household account with AMEX, with my card the primary, and her card the secondary. My wife has been consistently going to the web site, being presented with offers for merchant discounts and rebates, which she registers for and then specifically shops at those merchants. The registration shows the primary accounts as " registered '', as this is always how the AMEX site presents the XXXX cards - balances, miles, etc. are always shown under the primary account, with subtotals for the XXXX individual account numbers. As things turn out, for this marketing program, and it appears this only, the secondary account does not gain any of the benefits. This is very unclear and inconsistent with the managing of the cards historically. My wife has now spent money on items expecting the rebates/discounts, in most casts on items she would not of otherwise purchased. I believe this is a misleading and deceptive marketing campaign by AMEX - especially since we pay for both cards, the web site normally aggregates under the primary number, but for this one program, they treat the secondary card as worthless. At this point, not only do I feel we should be credited the expected discount, but I feel a refund for the purchases are due as we were enticed to spend on things we would not of otherwise chosen. I absolutely believe we are victims of a UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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: MD

Complaint narrative:
I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died XXXX. I was in shock and forgot about court until morning of court. I did not attend .Midland has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX, Blitt and Gaines were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XX/XX/XXXX, XX/XX/XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted Blitt and Gaines and emailed me stating that according to Blitt and Gaines, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from Blitt and Gaines. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to Blitt and Gaines showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from Blitt and Gaines, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on Blitt and Gaines and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.

Company response to consumer: Closed