vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the American Express Card XXXX XXXX 2015 and was promptly Denied the same day. I received there written response on XXXX XXXX 2015, and promptly called the American Express call center to ask them why i was denied there response was i had a verity of negative factors? including a ( XXXX ) fico Score. i believe that this is the result of the color of my skin, being Black and ( RED LINING BY ZIP CODE ) It ca n't be because of my credit rating i have qualified for Credit Cards at XXXX and XXXX XXXX Bank XXXX and XXXX XXXX Bank XXXX 's, look i would be quiet and not make a case if they were n't so disingenuous in there decision process, I make decent money so my question again, is are they back to RED LINING in there process of determining credit worthiness? as they have been known to do this in the past to XXXX applicants ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: KS

Complaint narrative:
The lawn service company " XXXX '' was discharged from servicing my property in fall of XX/XX/XXXX. The company continued to treat my lawn in spite of my denying and without my permission. 

I paid them XXXX payment with a clear note that I will not pay any future payments. XXXX continued to treat my lawn in XX/XX/XXXX and in XX/XX/XXXX without my permission. Now they want me to pay them the charges that I do not owe them. Now they have employed TRANSWORLD Systems to collect the debt. 

I need for you to inform the collection company to stop the mail to my address. Also, I want to ensure that this does not affect my credit score. Please, advise. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I was enrolled in a repayment plan for one of my American Express credit cards. I allowed them to automatically take money out of my account monthly for a year. After completing the program as I agreed both of cards was cancelled. I called to ask why I had not received a monthly bill and at that time they told me because I participated in this program my accounts had been cancelled. I only enrolled one of my cards in the program. I got nothing in writing and I asked for an investigation and to date I still have gotten no response. I have made numermous calls which all have been dropped. They also stated have a balance of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This complaint is being filed against American Express Corporation 's handling of my account during the transition from AmEx 's XXXX True Earnings card to XXXX XXXX 's XXXX card. To effect the transition AmEx was to transfer the accounts to XXXX XXXX. On XXXX XXXX AmEx sent a letter that my account would not be transferred and I would be issued an XXXX XXXX card from AmEx instead. No reason was given for not transferring the account. ( Copy of XXXX AmEx letter attached. ) XXXX confirmed that the account had not been transferred. Contacted AmEx and was initially told that XXXX had refused to accept my account. When I asked for documentation from AmEx that XXXX rejected my account, the response was that the documentation had to be subpoenaed. Re-contacted XXXX who vehemently denied that the account was rejected. Called AmEx back only to be told by another AmEx employee that the transfer was not rejected by XXXX and that AmEx wanted to keep their " high value '' customers and unilaterally made the decision to not transfer those accounts to XXXX. 
The result has been an AmEx credit card that we do not need or want. FICO score will be decreased if the card is cancelled. We do not have a Visa card, so now we must apply for yet another card to access our XXXX membership. Again, a decrease in FICO score. 
The fact that AmEx never did reveal the real reason the account was not transferred and then attempted to provide erroneous information as to the reasons why leads one to the conclusion that this could be a " gray '' area in consumer financial protection. The bottom line is that AmEx eliminated my options without my permission, This appears to be a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX is not issuing cash back since XXXX 2016. I have spent over {$14000.00} since. 
I called numerous times without success. Last call was made XXXX/XXXX/2016 and I talked to XXXX supervisors and XXXX reps and still nothing it 's been done. XXXX, Sue # XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX # XXXX and XXXX XXXX. I have called numerous times since XX/XX/XXXX explaining that they OWE me money. Each time they open up a case. Each time I talked to someone, no one knows what happens and no one ever leaves notes because I always ask to read the notes and overtime their response is : " I do not see any note '' So I have to start over and over explaining that they are not issuing my CASH BACK. And no one seems to care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX, I noticed several large charges authorized on my Amex account ( on my mobile app ) from a merchant I had never heard of. I immediately called American Express to report the Fraud. Several calls and several broken promises later, no one can tell me the status of these fraud cases, no one can tell me when credits will be issued, they 've been unable or unwilling to stop this merchant from charging me and they 've sent my replacement card to my former address, despite my giving them my new address several times. While I 've been assured that I wo n't be financially liable for the fraud, they refuse to put that in writing. Likewise, it appears criminal ( s ) have XXXX account numbers that they continue to charge while a replacement card is now floating around in Minnesota while I 'm Arizona. I 'm feeling very exposed to further financial damages, identity theft, and am not able to use the account I 've been using for my day-to-day expenses for several years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I recently had my checking account garnished without warning for XXXX ( which has rendered me unable to pay my utilities ) i recieved a letter stating i owed XXXX after the fact. I traced where this came from and it was due to account from a XXXX account i had XXXX years ago and im fairly sure the credit limit was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recently paid in full my Amex XXXX card balance in full on XXXX/XXXX/XXXX, 3 days before it was do. Total statement amount due {$3400.00}. Then, I received a new statement saying I owed {$20.00} for interest on purchases. My account was closed by Amex XX/XX/XXXX. So, I could not make any purchases at all. Further down the statement it shows interest charge calculation on purchase from XXXX/XXXX/XXXX to no date at 10.49 % and subject balance of {$2300.00} for a total of {$20.00} in interest charges. I have come to find out after calling Amex about this, its called trailing interest fee 's. My problem here is that the statement does n't tell you each month that you have a trailing interest balance of a certain amount and they just listed on my final statement as the interest charge on purchases not trailing interest on your account because you did n't pay the balance in full each month. This is clear deception by Amex against its Cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Someone called my home, continuously. I called the number. It belong to Transworld System Collection Agency. The person talked too fast, and I could not understand what her name was. She asked for a person who does not live at my home. I told her that no person by that name lives here. I asked her not to call my home again. She became rude, and told me she could call, and they do not follow the do not call list She tried to tell me that she could call as long as the person ... I hung up on her. But I did ask her not to call again ( XX/XX/2017 ). I looked up their information, and there have been several complaints about this company. They are using unfair and harassing tactics, according to some complaints on the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I called American Express asking them to downgrade my account to a no fee version. They told me that it is not possible but offered to open a new account. I was reluctant because I thought it would result in a hard inquiry on my report. The agent assured me twice that there will be no new hard inquiry on my report. Our call was recorded. Before I gave her my authorization, I double checked that there will be no hard pull and she confirmed. Today, on XXXX XXXX, 2016, I have checked my XXXX credit report and found out that they placed a hard pull. This hard pull was obtained without my authorization. I asked them to remove it but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX XXXX the account was transfer/Sold to XXXX. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call XXXX and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about Midland Funding LLC garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On XXXX Credit report the XXXX the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XXXX, the last payment was XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. XXXX was not able to produce any information so the credit companies took it off my file. Midland Funding buys the debt from XXXX XXXX. Midland Funding files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and Midland Funding LLC is the subsidiaries of Encore Capital Group , Inc. who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work Midland Funding LLC paper work that was given to me is not correct because the target account number is blot out with a black marker and the Midland Credit Management Number is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was sued in 2014 for a debt that I owed XXXX XXXX. Midland Funding bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from Midland Funding as well as XXXX and XXXX XXXX. stating that I was being sued again for the same debt. I have spoken to both compnaies and Midland Funding refuses to speak to me about my account and told me they sold the account to XXXX XXXX XXXX after this account was satisfied. I contacted XXXX & XXXX and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
My student loan was sent to a collection agency in XX/XX/XXXX. 
I have been making $ XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called Transworld Systems , Inc., the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my XXXX, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from Transworld Systems , Inc, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told Transworld, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just XXXX month of no payment since outrageous. Further, it is unclear if XXXX XXXX, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.

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

Complaint narrative:
I moved out of XXXX six years ago ( XX/XX/XXXX ) and closed all utilities accounts upon moving. I have had no calls, emails, or communication of any kind from XXXX ( utilities service ) or any collector since ... I come to find that they have opened a collections account XX/XX/XXXX for XXXX with " Transworld Systems Inc, '' another company I have not heard at all from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a call from American Express about XXXX XXXX 2016. The agent asked me if I had applied for a credit card. Turned out American Express on XXXX XXXX had issued a card in my name to an unknown ( to me ) individual in XXXX. The person had already expended {$2000.00}. I also checked my XXXX XXXX Account and noticed a credit card had been issued to someone other than myself. It had not yet been activated so was cancelled. Again, I had not been contacted regarding the address different than the one on record at the bank. 
Obviously my personal information has been stolen and I am taking necessary identity theft procedures. My main issue American Express and XXXX XXXX is the fact that they issued cards to an unknown in my name at a XXXX address when all my address and all my contact info is in XXXX without contacting me. The American Express person could not answer the question but told me the card would be cancelled and credit agencies would be alerted regarding my credit. I have filed police reports and complaint to FTC.

Company response to consumer: Closed with non-monetary relief