vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent Midland Credit Mgmt a CMRRR letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
My account was recently sold to XXXX XXXX XXXX, I have received multiple calls a day since. They contacted me today while I was at my work place and the collector claimed that my account had not yet been reported to the Credit Bureau and said if I could n't meet an agreement a state attorney would be contacted. He offered me an interest free plan which will freeze my account, and then asked for account/routing and card numbers. When I was uneasy and asked if it could be done at a later time or online the collector got agitated and adamant that it had to be done over the phone in order to meet the agreement. I then said that I did n't feel comfortable doing it at work and he tried to offer to change the agreement in my favor as long as I gave him my card information. 

After I finished the call, I found out they had called the day previous at my job when I was off to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American Express XXXX Business credit card payment date is on the XXXX of each month. In XXXX, I paid on the XXXX - 2 days late - and Amex increased my interest rate to more than 25 % without any prior notice. It 's my understanding that credit card companies can not increase the interest rate unless the payment is more than 60 days late. Amex claims they increased it because I previously paid 2 days late, but the previous late payment was 7 months ago, and a result of misinformation I received from an Amex agent stating that I could change the account from which my previous automatic payments were being withdrawn from in time to have the payment post that was due XXXX. The increased payment of more than double my former interest rate is causing financial hardship and seems to go against the XXXX XXXX of 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a victim of ID Theft and I have been watching my credit file, I was so surprised to see that there are over XXXX inquiries from American Express. I had to file a police report and I contacted American Express. They do not appear to be very concerned and told me it appears that these inquiries are probably fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My complaint is with American Express. I have had a American ExpressXXXX card for a number of years. Because my roundtrip mileage to visit the nearest XXXX was eitherXXXX miles to the XXXX PA area or XXXX miles to XXXX MD and they opened a XXXX 's XXXX XXXX only XXXX miles ( RT ) from my home, I decided to allow my AMEX/XXXX to expire XX/XX/XXXX. I continued to use my card XX/XX/XXXX accumulating approximately $ XXXX in cash back rewards. Since AMEX severed its relationship with XXXX, I was told that I was no longer entitled to any of the accumulated cash back rewards. I find it interesting that AMEX gladly accepted my charges for more than a year including a {$10000.00}. charge XX/XX/XXXX, after my XXXX membership expired. I have tried to resolve this by phone on several times, but have not been successful, only getting contacted with their overseas customer service, who claims they were unable to transfer me to the US offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My debit card was used by someone else online and my bank had to close it and issue another one. Equifax put that on their report as an alert and lowered my score dramatically as I did something wrong. That needs to be corrected. That agency constantly sends letters for more information when I try to correct wrong data but never does anything positive ( I sent them all info they requested three times already via post office and online ). Their credit score is lower than others by almost XXXX points. They also report accounts that were deleted and do not appear on any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for an American Express Platinum card on XXXX/XXXX/2016, with a bonus of XXXX points attached to the account. I tried to meet the spending requirement of this card by using it to make big upcoming purchases, such as airline fees, dental services, and prescription for my health issues at my local store ( e.g., XXXX XXXX ). I met all of the requirements, and the bonus posted on XXXX/XXXX/2016. However, my points got retracted on XXXX/XXXX/2016. When I called customer service to ask for the reason, I was informed that there was a " misuse '' of points and some purchases were not qualified for the minimum spending requirement. 
First of all, I do not understand what it means by " misusing '' points, as I have never used any single point in my account. Second of all, I am not exactly sure why American Express thought it was a good idea to post my bonus point 3 months ago ( which obviously indicated that I had met all of the requirements ) only to take back all of those points today. This is misleading to customers, and I think that American Express is doing this on purpose in order to bait customers into using their cards without having to give them any points. If some of my purchases were not qualified, then why would the bonus points got posted? If I had known that some of my purchases were not qualified, then I would have used my card more in order to meet the minimum spending requirement. 
I went overseas for a couple of months in the summer, and was not able to use the card. If I had known about this, I would have made more purchases before I left in order to receive the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
In XX/XX/XXXX, I received an email invitation to apply for an AmEx Skymiles Gold Card with a bonus of XXXX Delta Skymiles after spending {$1000.00} in the 1st 3 months. The day I received my new Gold Card on XX/XX/XXXX, I received in the mail another offer for XXXX Skymiles from AmEx. I immediately called AmEx and asked if I could be eligible for the XXXX mile bonus instead of the XXXX mile bonus. According to the customer service representatives, they were going to open a case to investigate. 
I followed up with a live chat with AmEx on XX/XX/XXXX during which I was told the case was still open and they were trying to get me the XXXX mile bonus. 
I had my second live chat with AmEx on XX/XX/XXXX and was told by the representative that a detailed note was placed in my account and to check back in a few days. 
My last live chat with AmEx was on XX/XX/XXXX when I was told the two offers that were addressed and sent to me were not available to me because I had previously had an AmEx card. My previous card was cancelled in XXXX. When I asked why offers were sent to me that I could not get, I was told the offers are sent by the marketing department and have nothing to do with new or existing accounts. I immediately cancelled my card and requested to be removed from all future advertising and marketing, mail, email, or phone calls. 
On XX/XX/XXXX, I received a marketing mailer from AmEx, even after being assured that I would be removed from their marketing lists. 
Although I did finally find the small ( minuscule ) print indicating previous card holders could not receive the bonus in the offers I received, I still find it incredibly deceptive that 2 different offers for bonuses, personally addressed to me, were knowingly sent with the intent that I could not receive the " bonus '' that was being advertised. I also believe that AmEx wanted to keep stringing me along with the " open case '' story long enough to get me to pay the {$95.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a special invitation to apply for a platinum card ( American Express ) and applied online. I have a freeze on my credit and had to call to complete my application and spoke to a supervisor and he assured me that I would receive the miles promised in the invitation.The terms were for {$450.00} a year and I would get XXXX miles after spending a certain amount. After I reached that amt. I chatted online with a rep to see why my miles were not posted. She told me I had a card previously and would not get the miles. I am extremely upset by this {$450.00} is a lot of money to me and I would not have applied if not told in my invitation and by phone by a rep when completing my application that I would indeed receive the miles. American express has the records of my credit with them and should not have mailed a special invitation inviting me to apply if I had already had a card several years ago. I understand that all calls are recorded and they can certainly find out that the supervisor did assure me by phone I would receive the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have excellent credit and pay my bills on time. However, an email-delivered American Express bill escaped my notice. I paid the past-due bill online in full, which included a late fee, upon receipt of a bill sent via USPS. No further charges were placed on this card. Today I discovered I was charged an additional {$38.00} late fee in XXXX and another {$38.00} late fee in XXXX. I feel that American Express is using extreme tactics in charging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a call from an unknown number stating that I had been attempted to be serviced a legal suit. They gave me a number and told me to call them and have them update my information. They claimed to be from XXXX County. I called the company. I spoke with XXXX he said he represented HSBC and his office would be taking legal action against me if I could not pay XXXX and change that day. He said that if I could pay half his firm would front the other half because the client expected ASAP. When I said I want to consult my lawyer he became enraged and threatened immediate action against me. The next person I spoke with XXXX XXXX said he would take a lessor amount and that HSBC agreed to it. When I called HSBC they have no further records of the debt nor did XXXX XXXX. XXXX continued to give mistruths and when I asked for proof of the debt ownership he sent me a contract with stale dated information and increased the debt to XXXX and wanted me to agree. I am very concerns this company is a scam and not the true holder due to all of the lies given within the conversation. They sent me routing information to make a direct deposit into their account.They claim to be XXXX with XXXX XXXX as the Director of Litigation. Please help me get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am dissatisfied with American Express. My issue is that XXXX XXXX delivered to me a defective sectional sofa. Also, after countless attempts to resolve the issue with them, I tried working with American Express to be my advocate, as I am a long standing customer of theirs. I have had XXXX billing disputes with American Express and they have not resolved this issue for me. Please note that American Express does not seem to want to fight for me as their customer. They do not read all of the documents that I have submitted to them explaining my issue. Please see the full details in the attached " CFPB Letter XX/XX/2016 '' Word document that I uploaded in the " Step 4. Product Information '' step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I noticed some unauthorized transactions totaling {$910.00}, on my account. I called American Express Serve and was told I had to wait to make the dispute until the transactions were completed. I cancelled the card ending in XXXX and requested a new one as my account was compromised. On XXXX XXXX the transactions were completed. I called again to dispute. I was told it would take up to 45 days to make a decision on if they were going to reverse the charges. But I would receive a provisional credit on the 10th day. I called on XXXX XXXX to ask where the provisional credit was, I was then told it is 10 business days, which would be XXXX XXXX. On XXXX XXXX I received XXXX email stating they completed their investigation and I would not be receiving my credit as they determined I made the transactions, which took place in XXXX and I live in XXXX. I explained it is very hard to make a purchase at XXXX in XXXX XXXX at XXXX on XXXX XXXX then be in XXXX XXXX and back in XXXX by XXXX to attempt to make a purchase at XXXX. I have tried to call American Express serve and ask for the proof that they contact XXXX XXXX XXXX as I have. They were not able to give me any proof and said it was their investigation team that makes the decisions. I called XXXX XXXX XXXX and spoke with their loss and prevention manager and she claims no one else has called about this account or transactions. I once again asked why could they not prove that they contacted, then I was disconnected from the operator.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management sent me a collection notice in XXXX of XXXX. I wrote them a correspondence back explaining to them I do not owe this debt and to not contact me again, in any form. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX by certified mail. They then again sent me a correspondence In XXXX of XXXX, after I asked not to contact me again. I again sent a correspondence explaining I did not owe this debt and to not contact me again regarding this debt. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX via certified mail. Both times the letters were signed for by representatives of Midland Credit Management. On XXXX XXXX, XXXX, I again received a collection notice on the above referenced debt. I have sent a third correspondence again stating I do not owe this debt and to not contact me regarding this debt again. I have done this three times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My Serve prepaid debit card account was closed. In this account I had funds confiscated without cause. Nor was I able to get any honest and forthcoming answer as to why my account was closed or when the funds would be returned to me. I have asked on numerous occasions for copies of or access to my billing statement. To this day I have not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I am an American Express client since XXXX. I have the Gold XXXX card and the preferred credit cards. During XXXX XXXX, XXXX they sent me an extended payment option for my gold card ( Given the Gold XXXX card it is a charge card, the remaining balance has to be paid at month end with the statement ). The offer also included the XXXX code for my personal offer details. Considering that I am a frequent traveler, I decided to enroll in the promotion, but apparently I could n't do it online. A customer representative told me that I could do it later, so I took her advice and pay my travel spending 's with the Gold Card. 
Week After I kept trying to enroll to register the offer since I was not able to pay the full statement balance at month end. During XXXX XXXX, XXXX I receive an email that apparently the offer was sent by error and I could not benefit from the promotion. Also they were constantly insisting to pay the whole amount even though I tried explain the situation. 
During XXXX XXXX, I contacted XXXX XXXX XXXX ( supervisor ) in efforts to solve the situation. She apologizes for the situation and promised that she will get back to me in 48 hours max, with a solution to this unfortunate misunderstanding. 
At today 's date, ( 6 days later ) I still have n't answer from her or related peers or manager regard the situation. I called this morning and no one is able to locate her or willing to assist me. 
I am very disappointed with this situation and I do n't want to affect me emotional nor economical. 
Please help me remediate this before it keeps affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello there, In XX/XX/XXXX I used my American Express card to purchase XXXX dollars worth of American Express gift cards from American Express. I have never received them. I have contacted AMEX to cancel the order, resend the order, or dispute the change ( I have tried all three routes ) and long story short they keep sending me a form letter response encouraging me to speak to the merchant directly. Unfortunately for me, the merchant in this case happens to be American Express. I have my emailed receipt from American Express, signed by American Express Customer Care, which all clearly indicate American Express is the merchant in question. When I call the American Express XXXX number and speak with someone they understand the issue and tell me they will resolve it quickly, but then I keep getting the same form-letter response via email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express knowingly offered my XXXX son a credit card.

Company response to consumer: Closed with explanation