vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
Our mortgage was switched to American Financial Network XX/XX/2016. I paid our {$1700.00} mortgage on XX/XX/XXXX. The company received and cashed our electronic check XX/XX/XXXX. The payment is n't until late XX/XX/XXXX. The collections department has been called me 10 times even though I confirmed with them on XX/XX/XXXX they received the payment on XX/XX/XXXX. I have told them not to call anymore on 2 seperate occasions. They are harrasing me for a debt that was paid on time and was never late. They refuse to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This morning I went on-line to my American Express account and noticed that my account was 19 days past due. I promptly paid the amount that they requested online that would bring the card immediately current. I paid by having the amount deducted from my bank account on the same day. Thinking that the matter was settled, I then called American Express to explore my " Membership Rewards '' options, because I have accumulated a lot of points. When I asked to speak to the Membership Rewards department, I was interrupted by a customer service representative who asked me to pay an additional amount -- any additional amount. When I asked her what the benefit of doing so would be, she simply said that it will reduce my future invoice. When I asked again what the benefit to me would be of paying an additional amount, she said that she would put a positive note into my account. When I asked her if this would have any impact on my credit score, she said no, it would not. The representative could not articulate for me what benefit would accrue to me from any additional payment. Yet, the representative kept me on the phone for 15-20 minutes and would not connect me to Membership Rewards until I paid an additional amount. I paid {$2.00} more and then when she connected me to Membership Rewards, the office was closed. This was an incredibly frustrating experience and waste of my time. My issue is not with the customer service representative. My issue is with American Express 's practices. I have been a card member for 22 years and have never had to complain before, but this was beyond the pale. American Express needs to change their abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Augusta Collection Agency, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The drop-down menu does not have an option that would be on point with my complaint which is trifold:1 ) During negotiations of the settlement of balance on my credit cards, Amex repeatedly represented and promised that if I entered into a repayment agreement and made all payments on time pursuant to it, my accounts with Amex would be reopened based only on the repayment history. However, when I contacted Amex upon making all XXXX payments on time, Amex refused to reopen my, accounts. 

2 ) During the repayment period of 36 months, neither Amex nor their debt collector - XXXX - provided periodic account statements as required by law. In that period of time, I received only XXXX random statements out of the minimum of XXXX which they should have provided to comply with the law ( quarterly frequency is the lowest permissible under the law ). 

3 ) I believe that my payments were misapplied, and that as a result, the amount I paid exceeded what was owed to Amex. Of course, timely statements, had they been provided, would have allowed me to verify the application of my payments, but I was deprived of the opportunity of such timely verification. Through other sources of information including my credit report, I was able to confirm that in XXXX 2015, Amex reported XXXX of my cards as paid off in full. Giving Amex the benefit of the doubt ( and assuming that they report such information timely ) that card might have been paid off in XXXX 2015 ( if not earlier ). However, Amex continued to collect and apply towards that account a portion of my payment for the months of XXXX and XXXX. Those payments amounted to {$140.00}, and I believe that that is the amount of overpayment which should have been returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a card member of American Express since 1980. Most recently I had a Gold Card and received some marketing material in the mail. It contained an offer to upgrade to a Premier Rewards Gold Card. It said I would get double points if I upgrade. There was a phone number contained within the marketing materials and I called to inquire. I was told by the representative that it would be just like the Gold Card but with double and in some instances XXXX points. 

I inquired that by upgrading, would I have the same benefits and the answer was definitely yes. What was not told, was that XXXX of my benefits, specifically, Pay over Time features ( Extended Payment Option, Sign & Travel and Select and Pay Later ) would not carry over and that I had on my Gold Card for many years.. 

After the first couple of monthly statements of the XXXX XXXX Gold Card, I noticed that my Pay over Time features did not carry over to the new card. I called on several occasions and I was told that XXXX XXXX Gold Card is a new account and you have to be " invited '' to be eligible for the Pay over Time features. What I do n't understand is what happened to my 36 years of being a loyal customer American Express Card Member. 

In my opinion, the conversion of my Gold Card to the XXXX XXXX Gold Card is basically is a bait and switch. I was asked to upgrade, but I was never told I would lose my Pay over Time benefits. American Express is now collecting a higher annual fee from me and I am receiving fewer benefits. 

On another call that I made to follow up again about the Pay over Time features, again I was told that I have to be '' invited ''. I asked the represenative how do I get " invited and he and subsequently his supervisor could not tell me how. Do you think this is fair treatment of a XXXX loyal customer of American Express? 

In subsequent months I have lost points awarded to my account. I could go on but it is obvious to me that American Express does n't care about its members. My membership has no privileges. 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a loyal customer at AMEX from 1993. I Opened a new AMEX XXXX XXXX card and I decided last month to enroll it in auto pay. I got the confirmation. Today I received a note that my account is delinquent and they increased my rate, because the auto pay kicks in only after a month. In this way for the people busy ( like myself ) who do n't read a lengthy autopay confirmation that states this, it is a trap to increase their rate. This should be stopped, and forced these companies to remind you this if you did n't pay the dues before the autopay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. 
to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. 
However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear XXXX, I received an email from American Express to offer me a new Business Gold Rewards Card. The welcome offer for the card, as described in the email, is to get XXXX Membership Rewards ( R ) points after I spend {$5000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. My application must be received by XXXX XXXX, 2015 to be eligible for this offer. 

I was not sure if I need the card but though the welcome offer was generous and finally applied the card and got approved on XXXX XXXX, 2015. 

However, 3 months after I met the spending requirement, I did not receive the XXXX Membership Rewards ( R ) points so far. I have contacted American Express many times ( through phone and online chat ), but never get the issue solved. They told me my welcome offer was XXXX Membership Rewards ( R ) points after I spend {$10000.00} on purchases with the Business Gold Rewards Card within the first 3 months of Card Membership. And, since the 3 months already passed and I spent less than {$10000.00} on my card, they can not offer the XXXX Membership Rewards ( R ) points. 

Although I still has the email and offered to forward them the email, but they never asked for the email. They simply declined the welcome offer they sent to me. 

Please help me to make American Express do what they promised. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
These XXXX collections have been on my credit report for some time now and I did not know that they were in collections which now is damaging my credit report and scores as i was trying to repair my credit and get it back on track and with advice from an attorney recently, ( bankruptcy attorney ) he advised me to contact the Federal trade commission to try and have these removed as it would help my credit score greatly which is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I had a American Express business card since 1995 and the interest rate was okay and I always paid on time. Now they have jacked the interest rate and make this bill almost impossible to be paid off. This is wrong and I do n't need this card anymore. I do n't have the business anymore. They are charging XXXX a month in interest. With interest being at a low for a long time I never realized they were charging that kind of interest. Please advise what to do with this kind of practice. It 's a crime to be treated with this kind of billing practices. You can never paid this off with regular monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
This complaint is being filed for the following reason : I owned a company named XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business in XXXX/XXXX/XXXX I was contacted by American Express and told that I owed them approximately {$130000.00} for charges that were made by the company on the credit card. I explained to them that the credit card was not in my possession and I had not used it. American Express continued to insist that since I owned the business I was responsible for payment of the charges, I continued to insist that the credit card had never been in my possession and that I had not applied for it. Subsequently in XXXX of XXXX I received a notice that myself ( XXXX XXXX ) and the business that was closed in XXXX ( XXXX XXXX XXXX ) was being sued by American Express for {$130000.00}. The case went before a district court judge on XXXX/XXXX/XXXX. The judge ruled that American Express had absolutely no grounds to expect me to pay the charges for the credit card since I had not ordered it nor used it. The case was dismissed and American Express was ordered to pay all court costs ( please see attached documentation of this dismissal ). That was XXXX months ago and the real problem remains that American Express contacted the credit bureaus and reported to them that I still owed them {$130000.00}. I have always had very good credit but I do n't anymore because American Express has ruined it. I have reported this to them with no response. Please help, I thank you in advance. 

XXXX 
XXXX, KS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 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: TN

Complaint narrative:
I recently check 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 with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

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

Amex needs to transfer my earned XXXX points to my open Amex account XXXX per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I reported this to the office of the MN State Attorney General and they have suggested I also report it to you : American Express Customer Relations XXXX, UT XXXX I requested a card at XXXX, which has not yet been received. So, I went to XXXX and purchased one in the store and put {$300.00} cash on it. 
XXXX on XXXX/XXXX/2016 TC # XXXX AMEX BB XXXX {$5.00} on receipt The physical card 's packaging UPC is XXXX Card # XXXX Valid Thru XXXX CID XXXX Because the one I requested online is associated with my phone number, I ca n't set the physically purchased one up online for my personal management. 

ISSUE # 1 I bought the card for the sole purpose of retaining services from XXXX XXXX XXXX. They attempted to charge {$290.00} and it was declined. I went back to the XXXX store and spoke with a manager. He said there 's a " hold '' while it transitions through the banking transfers. He checked the card balance ; {$5.00} remaining. 

There is absolutely no way for this " hold '' of {$290.00} to be received by XXXX XXXX XXXX. So, where is my {$290.00}? I am so disgusted with this matter ; I am reporting it to the State of MN and the FBI immediately. 

XXXX XXXX, MN XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Debt was forgiven, confirmation letters received, XXXX received, but lien is still on title. We have asked several times for lien release, we can not get any straight answers, and it is still not done, it has been more than 30 days. Debt was released in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being XXXX days late on XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I continue to receive threatening letters from Transworld Systems in spite of the facts that:1. The debt was paid by check which was cashed on XXXX XXXX, 2015 ; 2. I telephoned Transworld Systems on XXXX XXXX, 2015 at XXXX PST and informed XXXX XXXX that the debt had been paid. She assured me the threatening letters would stop but I received yet another on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This debt was OFF of my XXXX report!!!!! It NEEDS TO STAY OFF!!!!! I just looked at it, and it 's back on there!!!! I 've never had this credit card in my XXXX life, and it 's under my maiden name!!!! It was for {$7.00}, then increased to {$770.00}!!!! These people DO NOT LISTEN!!!!!!!! I have tried communicating with them in the past!!!!! Unacceptable!!!!! I AM NOT paying for this!!!! I did n't do it!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a debt collector letter states I own them money from XXXX mastercard. However, I never apply and use this credit card before. I called debt collector, XXXX XXXX and XXXX XXXX and they do n't have any detail since they bought this debt. I called XXXX mastercard and they said they do n't have any detail either since they sold the debt.

Company response to consumer: Closed with explanation