vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
My credit card company, American Express, has reported inaccurate information about my account status on my credit report with Equifax and other credit reporting agencies. In addition, American Express deceived and misled me into believing that my credit card account was current when it was in fact not current. American Express has reported that my credit card account was 30 days past due in XXXX 2016 and 60 days past due in XXXX 2016. That information is wrong and inaccurate based on my billing statements. For that period, I paid the minimum amounts due by each due date, as indicated on my billing statements. 
On my XXXX XXXX, 2016 billing statement, it stated that the minimum payment of {$170.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$170.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$50.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$50.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$190.00} was due by XXXX XXXX. Through electronic withdraws from my checking account, I paid that {$190.00} amount in XXXX installments on XXXX XXXX, XXXX XXXX, and XXXX XXXX - all before the deadline of XXXX XXXX. 
My XXXX XXXX billing statement is the FIRST time that American Express informed me that my prior payment of {$170.00} ( for the XXXX XXXX billing statement ) was not paid by my checking account bank. Indeed, as stated earlier, as of my XXXX XXXX statement, the only amount that American Express told me that I owed was {$50.00}, which I paid on time. American Express did NOT inform me on the XXXX XXXX statement that my payment of {$170.00} for the prior billing period was not paid by my bank. Thus, at the time I received my XXXX XXXX billing statement, I reasonably believed that my account status was current because that is what my statement expressly stated. Once I received my XXXX XXXX billing statement, I realized that my {$170.00} payment was returned, and then I paid the amount owed ( {$190.00} ) BEFORE the due date listed on that statement. 
I spoke to a supervisor at American Express on Monday, XXXX XXXX, 2016, and she refused to correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My wife asked at a hotel desk for a cab to go to the local XXXX XXXX in XXXX XXXX MD. 
The desk clerk told her, " We have our our own service '' The boss of the limo service she called knew when the clerk called him that my wife wished to go to the XXXX XXXX, a {$24.00} fare with tip. Without asking permission to do so, the driver of the limo which the boss assigned took my wife all the way by side streets to XXXX for {$84.00} including tip. She was unfamiliar with the area. As she was alone in the car, she paid with a credit card in order to avoid confrontation. We are nit disputing that she was the one who signed the charge. We believe that the driver " took her for a ride '' by deception. 
Afterward when we complained to American Express about the deceptive practice, they simply sent us a copy of the driver 's charge signed electronically by my wife and said it was an authorized charge. We felt that it was deception and continued to generate supporting letters to the American Express Fraud Department trying to explain what happened. Each time American Express sent us the same unsigned form letter denying the complaint, along with another copy of my wife 's signature, claiming that the driver stated it was a valid charge. It seemed that American Express did not ever once even read any of the documentation about the deception. After the third denial we would like to escalate this dispute as American Express is completely unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 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: MO

Complaint narrative:
Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I attempted to use my American Express card on XX/XX/XXXX. The attempted charge was declined by AMEX. I called AMEX to check the status of the card. AMEX stated the account was closed because AMEX received a letter stating the account was created fraudulently and the card holder wanted the account closed. Without notice, explanation or permission, AMEX closed my account. 

The account is in good standing and payments are made timely. I have had the account since XX/XX/XXXX. 

I did not ( nor did anyone I know ) send a letter to AMEX telling them to close the account. AMEX is aware of my concerns and suggested that I file a police report. 

I suspect that the letter ( which AMEX would not release ) contained enough sensitive information for AMEX to act and close the account. Which means the party that filed the letter probably has my DOB, SSN, address, account numbers and other sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has not complied with the law. The Fair Credit Reporting Act ( FCRA ) allows you to get a free credit report if your application is denied. However, you can only get a free report from the credit reporting company that provided the report used by your lender to make its decision. The lender must provide instructions on how to request your report from XXXX or from XXXX of the other national credit reporting companies, depending on which company provided the report. In XXXX letter American express stated its denial was based on a FICO score from XXXX, but it did not provide instructions as to how to get a free credit report. The law states they must do this and refusal to reinstate an account is the same thing legally as a refusal of credit upon application. And therefore they did not comply with the law, another instance of no valid proof as to why they closed our account or anything else, because they are misstating the facts and not complying with federal rules, laws and regulations in any regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
As a longtime card holder who responsibly pays off his balance every month, I received a promotional email from American Express telling me " do n't forget '' that the card could " allow you the flexibility to pay over time '' during the holiday season and reminded me that I am " permitted '' to carry a balance on the card. The email did not mention that such behavior amounts to taking on personal debt, or that American Express would collect interest on this debt - though, of course, it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am having this American express account for like XXXX years I keep on making my payments and the balance is not getting any lower they charge an APR of 25 % which is outrageous. 

I never missed a single payment ever I was the one who closed the account not they.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XXXX/XXXX/XXXX, American Express billed me for a balance transfer to XXXX XXXX for XXXX. I recently ( XXXX XXXX XXXX learned from XXXX XXXX that they never received a balance transfer from American Express, and my account with them ( XXXX ) was never credited. 
XXXX XXXX concluded their investigation and requested American Express provide them with the ABA number and complete account number the funds were sent to. American Express was unable to provide the requested information stating that their records did not go back that far. I have since paid the XXXX account in full XXXX XXXX. 
I have been paying on the {$2000.00} transfer since that time. It then is my understanding that the balance transfer never occurred, if American Express does not have evidence to the contrary. I am requesting American express credit my account including any payments, paid interest and fees occurred on the {$2000.00} / balance each month beginning XXXX XXXX to current. I would like a detailed statement showing each month what dollar amount was credited. 
I will then pay any outstanding balance to maintain my credit account with American Express and remain in good standing..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: FL

Complaint narrative:
Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations,

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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I advise HSBC XXXX that my credit/identity had been taken and noticed unauthorized charges on my card. They said I would not be held responsible, but I just received a statement with a balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: NY

Complaint narrative:
This account was not opened by me. I do n't know where is it comming from

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
They sent me an email with promotion code of their prepaid gift card. When I used the code to make purchase and they declined my order for twice. I verified my information and they are correct. If they do n't want to sell me the gift card, why send me an ad email? I do n't know whether it is because I complained their service before due to their carelessness and unprofessional behavior. If your employee made a mistake to cause an inconvenience and loss of a customer, you should n't blame the customer complaint but should have tried to figure out how to improve your quality of service. I can not find any other company to provide prepaid cash card. If I can I would not choose Amex ever. I do n't know whether it is called monopoly. As there is only one company providing this service, they can do whatever they want to the customers and do n't care what they feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express card company threatened me to sign a form that will give American Express authority to get my TAX Transcript form IRS directly. I always file joint tax return. Tax transcripts also show the Social security information of my family that I do not want to provide social security of my wife and of my children to American express. My family are not the account holder of American Express credit cards. Please advise American Express to verify my income through my XXXX / pay stubs, but not through Tax transcripts. American Express has sent me the email ( see below ) to sign the form XXXX. I am reluctant to provide unnecessary information of my wife and my children. I want to also notify that my whole record has been hacked as per OPM notification. American Express has threatened me if they do not get the signed XXXX by XXXX XXXX, 2015, they will close my credit cards and that will badly affect my credit report ( negatively ). In future, I will not be able to get a job because of such negative entries in my credit report. I pay the credit cards amount due on time. 
XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX ( 1 day ago ) to me Office Hours : XXXX XXXX until XXXX XXXX ; Sat XXXX XXXX- XXXX XXXX ; Sun XXXX-XXXX, Eastern Time Office Number XXXX XXXX American Express recently requested that you complete and return a tax form called the XXXX in order to conduct a financial review. The XXXX authorizes American Express to retrieve tax information. We find the review process to be a necessary requirement in order to conduct our business in a prudent and successful manner. 



Detailed instructions on how to fill out the XXXX are attached, as well as in the American Express Fax Cover Sheet. In order to avoid closure of the account, it is critical that this information be completed correctly and faxed back to us within the deadline discussed by the American Express representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. 

I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. 

Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner. 

2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution. 

3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report. 

4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Quite simple:1. Amex canceled my company 's business card based on an assumption that they concede was in error. 
2. In canceling the card, the points associated with the card were forfeited. 
3. All attempts to remedy the issue with Amex failed. 
4. I was very reluctant to pay the balance because of the points that were forfeited and insisted that the points as well as the card be reinstated. Remember Amex admits that the original issue was due to an error on their part. 
5. In effort to resolve the issue, I agreed to continue to pay on the balance. 
6. The agreement would then require Amex to reinstate the card as well as the forfeited points. 
7. Although I continued to pay down the balance, Amex did not adhere to what was agreed. 
8. Consequently, Amex, although this was a business card, moved the balance of the business card to my personal credit profile as a delinquency/collection. 
9. This has resulted in a precipitous drop in my credit score. 
Note : As I remember, the relationship between Amex and myself spanned nearly 10 years if not longer without a single issue or late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sarma
State: TX

Complaint narrative:
Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: CA

Complaint narrative:
I began attending XXXX at XXXX and began signing loan documents while I was still in high school. I have accumulated 16 loans to both private institutions and the federal government totaling over {$50000.00}. I have an AA degree in Criminal Justice which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for and received a business credit card from American Express for a professional limited liability partnership. I specified in the application and was advised that this credit card was not a personal card, but for the business only, for business use only. I disassociated from the business and the business continued with the other XXXX owners. XXXX of the other XXXX owners who continued to operate the business cut up the card in front of me and advised that it would not longer be used. Over a year later, American Express sought payment for overdue balances from me personally. I requested a verification of the debt amount owed, a copy of the credit application, and made multiple attempts to dispute any personal obligation of the alleged debt and suggested that the such transactions were unauthorized and any credit granted to me was non-transferrable, but all the representatives of American Express would do is demand payment in full without verification. Now, my credit score has been effected and this will cost me tens of thousands of dollars.

Company response to consumer: Closed with explanation