vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I open a credit card account with American Express by following a link from their website. The link included a promotion for {$250.00} if I spent {$1000.00} in 90 days. I called in the morning XX/XX/2015 right after I applied for the card and spoke with male rep who confirmed the {$250.00} bonus and I applied correctly. He also asked if I was going to use the card right away and sent it expedited two day shipping. I spent the required {$1000.00} within 90 days but I never received the {$250.00} credit. 

I called Amex again on XXXX/XXXX/15 and spoke with representative ID : XXXX and was told once again that all conditions met properly for the {$250.00} bonus. I was told they would look into why my bonus did not post. I called again on XXXX/XXXX/15 and was given a case number XXXX. I followed up once again a few days later and was told I would not get the bonus because I had another AMEX card of the same type. I was told this is in the fine print but admittedly I failed to see it. 

If I was not eligible for the bonus I should have been told this the day I applied for the credit card and contacted AMEX customer service to make sure the account was opened correctly for the bonus. AMEX had two more opportunities to correct this but did not. I would not have applied for this card, which effects my credit score or spend the money on this card if I was told the of the conditions by AMEX customer service. Even if I made the error of applying for the card I would not have rushed to spend the {$1000.00} or if I was told I would not get the bonus and would have cancelled the application on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I made a purchase at a merchant during complete chaos at a concert with XXXX people. I ordered:XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$30.00} ) XXXX XXXX XXXX prints ( @ {$60.00} ) XXXX T-Shirt ( @ {$40.00} ) For a total of {$2200.00}. The employee told me XXXX amount, but put a different amount on the receipt, and then never offered me a copy of the receipt. It was n't until the next day when a notice popped up on my phone that showed a total charge of {$3100.00}. I disputed the charge with AMEX and was declined because the merchant says " prices were posted. '' That was not my dispute. My dispute was the merchant was incompetent and over charged me. In talking with several people I know, and reading messageboards, this was a huge problem with the merchant. But, guess who takes the fall? Me, an {$840.00} overcharge, and AMEX gets their fees, the merchant gets their fraudulently obtained funds, and the little guy gets a stick in the eye and is out {$840.00}! What a fun outcome for everyone but the consumer! Dishonesty pays I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I was in XXXX My " debit '' card that I use for ATM purposes was compromised and I was defrauded of about {$2000.00} This international bank does not have a telephone or sms service to alert to a fraud, but they send out an email since it 's a debit card. 

With time difference and my travels for XXXX, I missed the email and was defrauded of about {$2000.00} The bank maintains that since it 's a debit card, I am responsible for the loss even though I explained to them that fraud occurred before its alert email. and once, I had called them in response to the alert, no further fraud took place. 

For a credit card abuse and theft, there is a complete protection. Why do n't banks offer similar protection for the debit cards when they issue them in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Funding LLC hired XXXX, XXXX, XXXX XXXX XXXX to serve me with a Civil Warrant on a credit card debt that is over 8 years old. Now we have a court date set for XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card, American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 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: IN

Complaint narrative:
On XX/XX/2016 I received communication from XXXX, XXXX, XXXX XXXX XXXX XXXX attorney office. The entity supposedly represents Midland Funding LLC Successor in Interest of XXXX account XXXX. I 've never been in communication with Midland Funding LLC nor received any correspondence that they have authority to collect any such debt from me. What I do know is that Midland Funding LLC is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like XXXX, XXXX, XXXX XXXX XXXX XXXX to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
CFPB helped reopen my case with my American Express Credit Cards last time. Now after agreeing that I paid the whole amount they will reopen my credit cards after 10 days it has been fully paid. It has been paid and they have not been calling me back to get this resolved and reopened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments. 

I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX. 

I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to complain about the AMEX Platinum Card. Seeing the offer that spending {$3000.00} within the first 3 months I can get XXXX Membership Rewards points, I applied for this card in XXXX 2016. ( Detailed offer description image is attached. ) I spent {$6100.00} including {$450.00} annual fee, {$1100.00} refund which was a helicopter tour canceled by the agent due to bad weather, and {$20.00} XXXX gift card which I really sent to someone as a gift. Deducting these XXXX items ( {$450.00} annual fee+ $ XXXX {$20.00} XXXX gift card ), I still spent {$4500.00} in the first 3 months, which is much more than what the offer requires and I got XXXX MR points as soon as the third statement came out. ( Detailed statements for the first 3 months are attached. ) However, I was surprised to find that my MR points were adjusted for XXXX points on XXXX/XXXX/2016 without any notice from AMEX. I tried to call the customer service many times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. No feedback is given so far. 
I think I am definitely qualified for this offer and AMEX has no reason to take away my MR points. Therefore, I am hoping that AMEX can return the XXXX MR points that I deserved. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an offer for an AE gold card that if I spent {$1000.00} in 90 days I would get an AE gift card for {$250.00}. a few weeks later I received another offer from AE for a green card with the same offer. When I called in to open the account the person saw that I already had a gold card and asked why I wanted another account and I said because you are offering me another {$250.00} and he opened the account. I received the {$250.00} for the gold card but NOT for the green card! They said that I did not have enough points, that is NOT the way the letter offering the promotion or the person taking my application said to me. I spent the money they asked me to spend and now they are not honoring their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
For several years now, I have been working to pay off an American Express card, which I only got because it was the only card to use at XXXX. When I tried to make arrangements, AMEX called in a collection agency, XXXX and XXXX, which took it to court. Eventually we worked out things and the bill was paid, however, I had to agree not to apply for an AMEX card again, which was OK with me. Now for the second time in just a few months, American Express has specifically targeted me to apply for an AMEX card, which would violate my agreement through XXXX. I find this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
heart ship loan refi H.S.B.C Mortgage charged me XXXX in interest unknown to me. 
asked for payoff information in XX/XX/XXXX it showed XXXX in interest for heart ship modify. 
just received a letter from H.S.B.C they sold my loan to XXXX XXXX XXXX XXXX for more than I owe XXXX payoff in XXXX was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for a credit card on-line last XX/XX/XXXX from American Express. I never received the card or any statement. In XX/XX/XXXX I received a statement requesting a fee for {$95.00}. I called and told them I never received the card and do not want the card now. They have refused to remove the fee since they say it was over 30 days since I applied for the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Can someone please help us! 
My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. 

I was approved to be under the Soldier and Sailor act. 
This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. 

We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. 

Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. 

Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I opened an account in about XXXX with XXXX with a balance of {$500.00}. I wanted to close this account because the interest rate was extremely high, so I called to let them know to close it. Here it is XXXX, I received a summons for court claiming I owe {$830.00}. I am already overwhelming with bills everywhere. This has been such a hassle. XXXX has sold this debt to Midland credit company. This company is only willing to settle for {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 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: NV

Complaint narrative:
They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
The caller I.D . says Midland Credit. The phone number that shows is XXXX. We have gotten daily and sometimes twice a day harassing phone calls and they have not left a message for the past 1and a half months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Made a {$19.00} fuel purchase at a XXXX. A hold came on the account for {$150.00}. 

Called XXXX cooperate they had already completed the transaction. 

Called my bank, they said merchant has to release the funds. 

Conference merchant in with Account Manager for Amex. 

Stated could n't and would n't release the hold cause they do n't know if the merchant took the funds. ( Merchant offered to fax over confirmation ) Amex refused. HOLD still remains. 

I have {$0.00} as a current total balance. They have my money.

Company response to consumer: Closed with explanation