vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ). 

I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ). 

I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected. 

As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).

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

Complaint narrative:
Continued to call my place of employment which is a federal office. I have instructed MCM clearly to never call my office yet they continued to do so. They 've also purposely placed a false address number for our home so that a neighbor would receive the mailing by mistake to instill embarrassment. We 've instructed our correct address many times but they refuse to change it due to their well known and previously documented illegal collection practice. We 've also requested multiple times to send a detailed history of payments and balance. They have refused and claim they are not required to send a complete history of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I have XXXX Amex accounts - a business account and personal account. On XXXX/XXXX/XXXX, I redeemed Blue Cash Preferred Reward Dollars from my personal account for XXXX American Express Gift Cards totaling {$170.00}. The website would n't accept my billing address, a XXXX XXXX , as a shipping address so I called customer service. The agent said they do not ship gift cards to a XXXX XXXX . I explained that the USPS does n't deliver to my physical address. I also informed the agent that I received Amex gift cards in XXXX, using points from my XXXX Amex card, that were sent to my XXXX XXXX . The agent eventually agreed to ship the gift cards to my physical address via XXXX. I received an order confirmation via email ( attached ). On XXXX/XXXX/XXXX I received an email ( attached ) confirming shipment of the gift cards - but the tracking code link to the USPS did not work. I contacted Customer Service and began an endless process of being transferred from one department to another over a period of 3 weeks. I was informed that I must wait 7 - 10 business days for delivery. After waiting 10 business days I was informed that the cards actually shipped on XXXX/XXXX/XXXX so I needed to give them a few more days. Then I was asked to allow more time for delivery and if the cards did not arrive Amex would expedite replacement cards via XXXX. On XXXX/XXXX/XXXX I was informed that the cards never shipped and to allow 3 - 5 business days for an investigation ... I 've been an American Express member since XXXX and never had such a bad experience with customer service. Every call required starting over and many of the agents did n't listen to the details and did n't seem to care. A few of the Amex customer service agents I spoke with were very rude. I have consulted an attorney but have not retained his services yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I 'm contacting the CFPB as my final resort as I 've been contacting Amex numerous times regarding my Platinum Card which I was approved on XXXX XXXX, 2016. The promotional offer associated with the application included receiving XXXX Membership Rewards ( MR ) points after making {$3000.00} in eligible purchases on the card in the first three months of Card Membership which I did. I have a legitimate business and use several credit cards to spread out my expenses and have a track of them. I also use them for my personal consumption and have always been a good customer in that regards as I 've never had a single collection or missed payment. Amex ( American express ) has stated to me that the reason why I had a XXXX clawback is because I had returned items. I 've explained that I 've made purchases for more than the required {$3000.00} spend and that even with the returns, it still counted for the promotional offer. As our phone conversations are always recorded, amex could easily listen to them and hear that the first agent that opened a case acknowledge that even with the returns, I should of been entitled to those bonus points. A few weeks after, I called back to check on the status and an agent said that it was n't due to returns but also because of spending ineligibility. I would like for amex to prove how would those spending be ineligible. It seems that they are trying to deny my bonus for any reason they seem to have on the day of calling. Furthermore, I must say that my points were not redeemable for any partner transfer and were locked and frozen and that I had to wait 6-8 weeks before getting an answer on my case ( which ended being much longer than that as my points were taken back on XXXX when I had originally applied on the XXXX, so 14 weeks total, another promise that was not fulfilled from Amex. I am simply requesting to have those points back into my account as I was advertised. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
I had a loan with HSBC for a house I owned. Because of unforeseen circumstances we had to process a died in lieu on my property. This was back in XXXX. I processed and signed everything. Fast forward and I have tired to get a loan on a home and was told I had a forclosure. After many phone calls and research it turns out that HSBC never finished the process of the died in lieu. I even spoke to the lawyer that HSBC used and they verified that the bank just stopped responding to them. So because of that i am unable to purchase a home until XXXX of XXXX. We went back thru the entire process of the died in liue and submitted again ad finally dont correctly. The bank had nothing to offer, even apologizes, as this was their fault and my family left without being to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX acted as a debt collector for Midland Funding. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
File incorrect information on credit report and refused to correct it. You making monthly payments and it 's saying you not by put your balance as monthly payment. We pay every month and it 's keeping you behind and report it. Midlands credit management refuses to correct the bad report and told me they would n't change it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been closing my account at HSBC by cancelling all of my activity in the account for the past two months. HSBC refused to notify me when a request for withdrawing funds from XXXX XXXX came in and I had no money in the account. They have my email address and often send me emails for new products and services. They deliberately covered the check so they could collect on the fees and penalties for an overdrawn account. I do not have overdraft protection, so they should not have covered the check and should have notified me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I accidentally paid a balance on the wrong credit card resulting in a credit on this card of {$5700.00}. I contacted the credit card company immediately after receiving the statement that alerted me to my mistake to have them send the money back to my checking account. I was told on the phone by the credit card representative that this process would take 10 business days. I did not receive the return of my money in the allotted time frame and when I followed up with the credit card company they told me that the request must be approved and they are unable to tell me when my money would be returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My complaint is against American Express. My name is XXXX XXXX, my phone number is XXXX. We purchased some jewelry while on vacation, on a cruise. We payed $ XXXX for the jewelry with our American Express card and the jewelry turned out to be fake. So we had an official appraisal done by a XXXX XXXX XXXX {$200.00}. American Express denied our claim. We believe American Express knowingly does business with these types of vendors. We tried for six months to resolve this with them. This is why we want to file this complaint against them. We have all documentation and proof the we can provide to you. Please advise us on what we should do next. AMERICAN EXPRESS ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I have requested proof of billing and pay history on XXXX BANK # XXXX by mail 3 times to XXXX XXXX XXXX XXXX NY XXXX and have not gotten a response. I believe there are inaccuracies on XXXX and XXXX reports associated with this account. I have disputed this account 3 times and these companies told me HSBC BANK verified everything is accurate. I would like HSBC to provide me with verifying documents. However they continue to ignore my letters. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX repeatedly calls in the early morning hours and/or late at night. I live with roommates and whether I or they answer the phone, the company does not respond even after being repaetly asked " Hello. Hello ''. When they do answer, they have once asked for someone not living at our residence and the other time, they hung up on my roommate before she could ask who was calling for me. The only reason I know its a debit collector is because I Googled the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
We had an accident that totaled our vehicle. The driver and her insurance company, XXXX XXXX, accepted full responsibility. We came to an agreeable settlement with the insurance company. We had our loan with Wells Fargo and had only had the vehicle 2 weeks prior to the accident so no payment had been made yet. XXXX XXXX dealt directly with Wells Fargo and XXXX XXXX called and left me a voice message saying that they had been paid in full and that we would be receiving the remaining amount the next day. After a couple of weeks we received a letter in the mail from Wells Fargo stating there was an outstanding balance on the loan of {$1300.00}. We called XXXX XXXX and we were told that they had a Letter of Guarantee from Wells Fargo Dealer Services stating the payoff amount of {$16000.00}, however the amount of {$15000.00} was what was listed below and stating that by signing Wells Fargo Dealer Services agrees to accept a check for {$15000.00}. XXXX XXXX said that was what Wells Fargo quoted them for the payoff amount that was needed which is what XXXX XXXX sent them. After several failed conversations with customer service reps we were connected with the president 's office and XXXX XXXX. She said she would check into it and contact us in a week. That was 2 weeks ago. I spoke with her today and she told me the same thing she did 2 weeks ago, that she could n't make any decisions and would contact the insurance division of Wells Fargo. The Letter of Guarantee was signed by XXXX XXXX of the Insurance Division on XX/XX/2016. We have now received XXXX payment notices. We have the letter of guarantee, the settlement letter from XXXX XXXX along with any other paperwork needed on this matter. We are not getting any resolution in talking with Wells Fargo Dealer Services and XXXX XXXX claims that they have done their part and are no longer responsible for the remaining balance. Wells Fargo Dealer Services has told us that we are responsible for the remaining balance but will not give us any reasons for the shortage on the original amount. We want this matter resolved between Wells Fargo Dealer Services and XXXX XXXX and our account completely cleared of any remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
1. My son and daughter used to attend XXXX and completed their lessons during the XXXXXXXX2. I gave many verbal and a written request to discontinue lessons to XXXX XX/XX/XXXX ( Exhibit-A ) 3. Neither any authorization was requested by XXXX for the next season starting XXXX, nor any given by me for the same. 
4. No credit card details or signature was provided by me to XXXX for the next session. 
5. A completely unauthorized charge of {$2000.00} was made by XXXX on my credit card. 
6. SEBASTINI was repeatedly contacted to reverse this unauthorized charge but provided no cooperation. 
7. Then, AMEX was repeatedly contacted over past 6+ months and provided with all the evidences to reverse this unauthorized charge. 
8. AMEX did not cooperate and provided a forged document, without legitimate signature and just my wife 's name written in block letters that was presented by XXXX, as the basis of legitimacy of this unauthorized charge. ( Exhibit-B )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Related to managing my American Express credit card ( https : //www.americanexpress.com ). Their website is VERY misleading. First, upon signing on to the website, the account activity screen shows only the current month 's ( period ) purchases and current amount due. Any amount due from previous months is not shown. Second, interest charges and late fees are NOT shown in the account activity detail. Any interest or late fees is included in the amount due. In other words, the current amount due is MORE than the total of current purchases. Third, payment activity shows only electronic payments made. I recently sent a paper check, they cashed it, and it does n't show in my account activity. And because only the current period balance due is shown online, I can not tell if the paper check payment was truly credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I contacted American Express Bluebird in regards to a {$1000.00} bill payment check that was returned to me uncashed to have them return the funds to my account. I explained to the representative and a manager that the original check was mailed back to me. I specifically asked should I return the check back to American Express and I was told no. I was also told by the supervisor on the recorded line that my funds would be back in my account on XXXX XXXX, 2017 at XXXX EST. I checked my account and the funds were not there and so I called American Express back again that same night and I was told basically that the supervisor lied to me about when my money would be place in the account. I contacted American Express again on XXXX XXXX about the status of my money and I was told that it would be in my account Monday at XXXX EST on XXXX XXXX. I have been calling American Express everyday and have been given different answers about my when my funds will be credited back to my account. There is no reason that I should have to keep calling a " bank '' and keep getting incorrect information from employees and supervisors. Yet, I still have not received my {$1000.00} back in to my account. I asked to speak with someone in their dispute department and they stated that there is no way for customers to contact them which to me seems a bit shady. Every real bank has a dispute team and yet I still can not get a definitive answer as to when my money will be returned to my account. It is utterly ridiculous that I have to go through this to have my money put back in my account.This has literally been a nightmare.

Company response to consumer: Closed with monetary relief