vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XXXX 2015 I applied for the XXXX XXXX XXXX Rewards Gold Credit Card. After nearly XXXX weeks of waiting I never received a credit card, and never activated a credit card via phone or americanexpress.com/activate. I was told on several occasions a card was being shipped to me only to find out XX/XX/XXXX, there were never any shipment created or tracking numbers in their system. At this point I cancelled my Everyday Cash Preferred card and told them I will not be activating any XXXX Gold Credit Card I received. 

XX/XX/XXXX, I was in search of another credit card and decided to try the XXXX Rewards Gold Credit card again, as there was a sign up bonus of XXXX XXXX ( XXXX Rewards points ) if you spent $ XXXX in three months. It was available to new/first time users of the XXXX XXXX Rewards Gold. I applied for the credit card and upon receiving my card, AND before activating it, I called XXXX XXXX to confirm if I would be elligible or not for the discount per my prior situation. If I was not, I was not going to use the credit card. The customer service agent said I was eligible for the card, as long as I met my spending. I asked the gentlemen are you certain and he said yes. 

Three weeks ago I e-chat XXXX XXXX to inquire if I met the spending limits and if the points were going to be granted to my account since I met the spending requirements. It was at this time the online agent told me I was not eligible for the discount due to previously having the card. I explained to them, that I applied for the card and never activated it due to several errors on XXXX part which ended up we me never receiving a credit card to use. The agent then said well you are not eligible and should have checked. At this point I explained that I called on the day I received the credit card to ensure I was eligible and the representative told me I was. After an hour of back and forth, they created a case for me with an indefinite amount of time to hear back. 

The credit card has a {$190.00} annual fee, which I am not comfortable with paying given this horrendous customer service. Nearly a month to investigate a simple issue is ridiculous, and not on par with their competitors namely XXXX and XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I notified American Express in writing that I discovered a fraudulent Amex credit card account reporting on my credit reports. I forwarded to Amex Fraud department police reports, identity theft affidavit, and my statement explaining what happened. A specialist at the Fraud department of American Express assured me that investigation was going to be conducted and I was going to receive documentation pertaining to the fraudulent account including a statement of charges, any forged contract documents to properly follow up on a dispute. American Express received my information on XXXX XXXX, 2016. To date, I have only received XXXX letter from American Express stating that investigation is in progress and I should receive the results very shortly. That letter was dated XXXX XXXX, 2016. I have called the fraud department several times requesting the promised documentation or any update on the investigation to no avail. 2 months and 10 days later, I have not received any documentation or communication from American Express about my dispute. If American Express had any documentation to verify the validity of the mentioned account, I am sure they would have forwarded it onto me. Amex needs to delete this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
I ca n't pay, too high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had XXXX American Express XXXX XXXX cards - XXXX for myself ( XXXX XXXX ), XXXX for my husband ( XXXX XXXX ) and XXXX for my son ( XXXX XXXX ). My husband 's card was the primary card. My son 's card was compromised, had fraudulent charges put on it, and the card was cancelled in XXXX of 2015. American Express continued to accept fraudulent charges on the card after the card was cancelled, and rolled them over to the primary card. We closed the whole account ( all the cards ) in XXXX of 2015. To this day American Express is still accepting fraudulent charges on the original compromised card and sending us bills. We have to call each time and report the fraudulent charges and go through long telephone calls with American Express. They have not ever been helpful about fixing this problem to stop accepting charges on the account that as been closed for well over a year. This is wasting a lot of time and energy on my part and is very frustrating. I have attached copies of the two latest statements which show the fraudulent charges processed on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the Amercian Express card. I have charged XXXX dollars on the card. Because of a bad service I decided to cancel card after couple of weeks. I cut the american express card. When I received the bill and wanted to pay it through bill pay, American Express bill did not have the full account number. I called and requested that my account number be sent to my home address on record after answering all the security questions. American Express refused and insisted on getting my own financial information over the phone. I am not comfortable giving my bank information to a customer service rep who might be in a different country. 
I am concerned that not paying the bill on time will affect my credit history which is excellent. I just need the account number to pay the bill and they are refusing. All other major credit card companies have the account number of the bill. I do n't understand the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of " XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a " transmittal notice '' from " Transworld Systems , Inc. '' stating my account had been submitted for collections due to nonpayment. I have verified with my bank that the payment was successful on XXXX/XXXX/16. The hospital has erred and should have never referred this account for collection. I have left several messages for the hospital 's billing office ( XXXX/XXXX/16 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, I applied for a balance transfer with American Express. I opened a new card, an American Express Blue card and transferred the balance. It was a no interest if paid within 15 months balance. They charged a fee, which is common. What is not common is that they are charging me interest on the fee every month. I 've transferred balances to other companies many times in the past and they never charge interest for their fees or the transfer until the stated time period is up ( 12 months, 15 months, 18 months ). I contacted American Express about this last month and they said that I should just send them a check for the fee and that would stop the interest. I explained that it was n't possible to do that because they would n't apply the money to the only the fee. 
I 'm not sure if this is illegal because they did say no interest for 15 months, but it should be illegal and I wanted to report it just in case. As soon as I can pay this off or my 15 months is up, I am closing this account and not working with American Express again. 
thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After successfully using rebates from merchants for years, I recently had the unfortunate experience of receiving several American Express prepaid reward cards as rebates. 

The company is at least misleading in understating that XXXX monthly service fees will be charged after 5 months from issue. There is no legitimate reason for a monthly fee. All notification of such fees is in minuscule print at page bottom or on the back of the card. It also says funds do not expire immediately after the monthly fee description. Why is that there other than to confuse or mislead consumers? 

I had cards of {$10.00}, {$15.00}, and {$50.00}. After trying to check balances, I learned the first XXXX cards were at {$0.00} and the latter was at {$44.00}. So I ultimately used ( received ) {$44.00} of {$75.00} in rebates because I was misled by the obvious expiration date on the cards ( 5 years from issuance ) and the " hidden '' fees descriptor. 

After checking all the sources I could, it seems these rebates are considered " free '' money and so there is no recourse that I can detect. 

I feel like AmEx mislead me from fully utilizing my rebates. Maybe it is free money for these unscrupulous banks, but not me. 

I do not believe banks should be allowed to deduct service fees on rebate cards. There is no justification for a passive fee. They are not managing the money. 

If they are deducting monthly service fees as if I had an account with them, then I should be notified as the fees are deducted just as if I were a bank customer. That is how they are treating these prepaid reward cards. 

People should be made aware that there are fees associated with rebate reward cards and these unscrupulous banks should be made accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or around XX/XX/XXXX, before my travel, I contacted American Express ( AE ) and informed them about my travel. From XX/XX/XXXX, thru XX/XX/XXXX, we made several calls to AE to discuss credit card account ending : XXXX. However, none of the AE representatives ever asked for any financial documentation, they asked income related questions but never asked to provide any documentation, On XX/XX/XXXX, while I was in XXXX I received an email from AE asking for financial documents ; I was given 14 days to provide these unspecified documents. It is my understanding that per Credit CARD Act of XX/XX/XXXX, a creditor shall provide a written notice not later than 45 days before any significant change. I tried to send a reply, but the email was returned undelivered. So I went online to have a chat session with XXXX, an AE online account specialist. XXXX put a note on the account about me being in XXXX and to provide needed documents on my return on or about XX/XX/XXXX. 
On XX/XX/XXXX, AE cancelled my account. Here are my arguments : I used AE card before my departure for a higher amount and paid the account in full and kept my account current and in good standing. I have other credit card accounts with AE none of them ever became past due or were late in payment. 
I notified AE at least two weeks before my travel XX/XX/XXXX, if any documents were needed why AE did not ask at that time. 
XX/XX/XXXX AE blocked further transactions on my account without any notice. 
I chat with XXXX on XX/XX/XXXX, and he put a note on my account. XXXX did not inform me that XX/XX/XXXX, is too late, and AE would cancel this account. 
On XX/XX/XXXX, I paid my AE account number ending : XXXX in full. I paid {$5300.00} and kept this account current and in good standing. 
On XX/XX/XXXX, while I was on a travel trip in XXXX, I was robbed XXXX. After the robbery incident, I notified American Express ( AE ) about this unfortunate incident. 
After coming back to USA on XX/XX/XXXX, I filed a claim with American Express ( AE ) and on XX/XX/XXXX I received a letter from AE, denying my claim. The above reference Purchase Protection claim XXXX # XXXX ) was denied by AMEX XXXX XXXX. 
As of this day I have not received any written notice and given no reason for the cancellation of this account. AE violated their purchase protection policies, prejudice my claim and closed our current and good standing account so they can ignore this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 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: CA

Complaint narrative:
I learned that a default judgment, awarded to Midland Funding, and the recent garnishment of my wages, was based on a time barred debt beyond the statute of limitations through a frivolous lawsuit conducted by their attorneys at XXXX XXXX XXXX. Midland Funding and their attorneys were fully aware the debt was beyond the statute of limitations when they manipulated my credit report, by use of " parking '' or re-aging the debt, after it was charged off by the original creditor, to circumvent the statute of limitations on a time barred debt. It was n't until I read the Consent Order dated XXXX 2015 by the CFPB that this was a violation of the FCRA and FDCPA for gross misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I traveled overseas to XXXX last year on XXXX 2014, I book a hotel for XXXX days ( XXXX XXXX XXXX Houses ) for a total {$1400.00}, when I arrived in XXXX around XXXX XXXX on XXXX XXXX 2014 I was expecting a main entrance with a lobby like any other Hotel, but to my surprised it was not entrance of any kind, not XXXX was there to check me in, I called XXXX of times to the number on my reservation and all I got was a recording message staying to live my name and number that someone will get back to me as soon as possible, which I left a message. I was afraid in the middle of not ware, and I need it a place to stay so I walked and I booked my stay in another hotel ( XXXX XXXX ), I continued to call to the other hotel with no response, I decided to go back to see if I can see anyone cause I already paid for a reservation and i scream and someone came out and walk me through a kitchen and took me to a small office and the owner was there and told me not to worry about it that I wont be charge after listening to me, them I walk out thinking that I wont be charge, Now American express is charging me the full amount of the reservation staying that the hotel policy cancellation specify that the full amount will be charge to my credit card in case of not show, cancellation or modification, but none of this policy apply to my situation I arrived to a hotel with not lobby, not main entrance, non crew to take care of me, I though at that moment that I was robbed, was completely empty I saw a pool but no one around what I am supposed to do I need it a place to stay, I try to contact the merchant but he told me that the hotel only open XXXX months per year and he will not refund my money, my cousin who owes a XXXX question him and that was the answer basically you make a reservation and you do n't get your money back because they only open XXXX months a year, an American express is telling they cant do nothing because of the hotel policy that the merchant shows them enough proof of course the reservation that I had made with them, but that does not mean I received a service, what law protect a consumer in my position. I need your help I am XXXX years old men and if you was in my place what would you do on the middle of the calderas in the mountains with not place to stay I was worry I will not have a place to stay I was expecting a XXXX start hotel which I was very disappoint,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: LA

Complaint narrative:
this debt showed up on my credit report and i do not own this,, it is not my debts.please contact credit reporting company and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX : Former American Express Account # Ending in XXXX I had an American Express Card that I used regularly for almost XXXX years. I traveled extensively on my job. I had saved and accumulated many, many frequent flyer miles ( I ca n't remember exactly but it may have been between XXXX - XXXX miles if I remember correctly. I have the documentation somewhere but it may take me a lot of time to find it. My American Express Account was closed in XX/XX/2007. When I went through a period of no work assignments ( which was no fault of my own ) I got behind in paying the balance within the normal XXXX days that I usually paid my bill. However within a short period of time I did pay my American Express bill all back in full. I felt that I had earned all the frequent flyer miles but American Express took them all away and closed my account. I paid everything that I owed to American Express. I do not feel that American Express should not have taken my miles away since I had earned them. I am requesting that they restore my miles, even if they give me a XXXX credit line, as long as they give me my frequent flyer miles back. Also I am willing to open an American Express savings account if they will give me my frequent flyer miles back. 
XXXX attached documentation from American Express. I have other documentation ( old account statements ) but it may take more time to find them since I have moved and I have everything in bags and boxes. American Express does have its own records to look the documentation up. I remember having at least XXXX American Express Account numbers over the period of time that I had the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: OK

Complaint narrative:
Midland funding llc is trying to collect on a debt that is not mine it was opened for my father who has the same name is me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I bought a Vacation Club Membership on XXXX/XXXX/XXXX while in XXXX, XXXX. I attempted to cancel it, but apparently did it wrong on XXXX/XXXX/XXXX. I also called them on XXXX/XXXX/XXXX and tried to cancel, they let me think all I had to do was call back after I got all my paperwork, so I waited until I got it but then I was told it was after the time limit. 
I put the charge on AMEX specifically because of the protection they say you have if you get ripped off. When I called AMEX initially the CS Rep told me it happens all the time, not to worry about it and they would get it taken care of, just file a dispute. So again, I let it go because they led me to believe they were going to take care of it, so on another angle, my time to cancel using another means ran out. I filed the dispute 6 times with AMEX and each time they denied using different reasons and documents they received from merchant that were not relevant in some cases. I have attached them. This company has an office, XXXX of them that I could locate, in the US also. I also went to an attorney, who charged me for a consult to tell me to " XXXX '' or file against Amex because I was not going to be able to do anything against the vacation club. I went onto AMEX community form website and there are numerous people on it with the same problem that I have had with AMEX and disputing charges. I have called and called them and just get passed to another phone operator. I have sent them written confirmation from the merchant where I tried to cancel on XX/XX/XXXX and then AMEX came back and said they denied because vendor said I never tried to cancel or never complained. If I was rich it would be different, but this was XXXX of my savings. I am just stupid..really stupid and looking for help. I am not trying to get out of paying, I have paid all of it to AMEX and I paid it before I had to. I did n't want to look like I was trying to scam someone out of money or just not pay.

Company response to consumer: Closed with explanation