vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a plan of payment with the American express that I will pay them $ XXXX/month until m y balance is fully paid with an interest rate of 9.9 %. my credit card is closed. this billing period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX they increased my interest rates to XXXX %. I am seeking your office help to compel the American express to honor the agreement. Thank you very much.

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: MN

Complaint narrative:
On XXXX XXXX American Express solicited me with a " new offer '' to apply for a Delta Skymiles credit card. The offer I received explained that I would receive XXXX Delta Skymiles if I completed the application and then used the credit card to purchase {$3000.00} worth of goods within the first 3 months of receiving the card. I applied for the card and spent {$3000.00} before XXXX XXXX. I contacted XXXX at AMEX customer service on XXXX XXXX inquiring about the miles not credited to my Skymiles account and he opened case # XXXX. On XXXX XXXX, XXXX I received my next account statement and I still had not received credit from American Express, even though i had spent the {$3000.00} in eligible expenses. When I contacted AmEx customer service I was transferred to a supervisor who informed me that I am not eligible to receive the offer because I had opened a Delta American Express card years ago. American Express clearly had that information when they sent me the new offer for a new American Express card in XX/XX/XXXX. I can not understand how its ethical or even legal to send someone a false and misleading offer for credit promising incentives that you will later claim you will not honor. I am requesting that American Express honor the offer they sent to me promising XXXX Delta Sky Miles after I spent {$3000.00} on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: CA

Complaint narrative:
transworld systems is trying to collect money without telling me what company, date or what I bought file # XXXX. I always pay bills so this is suspicious

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
American Express, inquired on my credit report. I sent a certified letter to American Express at their correspondence address advising I did not recall said inquiries or application to Amex for any of their services. I explained if they found I was in remiss to send all supporting documents to me for review. The time American Express is allowed by law has transpired and the inquire remains. I have tried to call several times however, American Express elected not to have fraud in America, in an effort to protect my self from Id theft I refused to provide my social security number to any agents other than those in the U.S. which is at my sole desertion. American Express has informed me that I am XXXX and elected to disconnect several times. Sadly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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: NV

Complaint narrative:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Midland Funding via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I specifically made XXXX purchases the last day of my billing period for my American Express in order to reach the XXXX purchases required to get 20 % extra benefits for that month. For some reason, even though I did all three purchases back to back for different things online, only XXXX posted that day and the third did n't post until the next day so it shows that I only got to XXXX with the third counting towards the new cycle. It was a big spending month which is why I made that extra effort to get the additional points by making those purchases. On the phone they told me that because my purchase was done in California on XXXX XXXX but Mountain Time XXXX XXXX, it counts as XXXX XXXX because there is a clause that says this somewhere in the cardholder agreement they sent. HOWEVER I just got off the phone with XXXX to see what time the purchase was actually made, since the customer service rep at AMEX was telling me it was past XXXX Mountain Time, and she informed me it was made at XXXX on XXXX XXXX Pacific Time. That also makes sense why the other XXXX purchases I made right before that XXXX were in the billing cycle I wanted them in and not the XXXX XXXX one. I bought those within less than thirty minutes before the XXXX purchase. And just to add to this, on their website ( AMEX that is ) it says on the page that shows your rewards progress : " To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your XXXX billing period, it might not post to your account until your XXXX billing period. If this happens, the purchase still counts towards your XXXX billing period. '' That is proof I am at least owed that purchase counting for XXXX XXXX and not XXXX XXXX which would put me at the XXXX purchases I need for the rewards benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 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 attending XXXX in XXXX, CA between XXXX. There was a lawsuit against XXXX. I would like to know if I need to repay loans from UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Set up account to receive payments from our customer through American Express Buyer Initiated Payments program. They set up the account incorrectly such that payments we were to have received were directed to XXXX XXXX ( we have no relationship with XXXX. ) XXXX rejected the first payment we were to receive via ACH so Amex sent us a check. They stopped payment on that check causing us to incur overdraft fees. When we called to correct the electronic banking information, the salesperson set up another, unauthorized account that had our correct banking information rather than correcting the original account. They also sent us a letter saying that Amex would no longer send checks for rejected ACH payments. However, our next payment of approximately {$1.00} XXXX was sent to XXXX XXXX as well. It rejected so on XX/XX/XXXX they issued a paper check. We still have not received the check. We are incurring interest charges every day ( {$230.00} a day ) that we do not have that check in addition to delaying vendor payments and potential payroll impacts. Upon calling to customer service, the representative and supervisor refused to send us a wire saying that American Express does not send wires ( an obvious lie. ) They also refused to refund any of the {$22000.00} fee they received for the service of " experience faster payments & eliminate check processing costs '' per their literature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
For the second time in a whole I had my HSBC Mastercard cloned and the bank is going to replace the card. The problem I see is that for verification purposes, they ask ton of questions but for the people who used the card more than once, they ask no question. They should improve the card security questions to avoid fraud over and over. Then you call to request a dispute, and they want you to give them specific information from last statement with amount and date. I do n't even print statements nowadays to save paper, and the Call Center wants you to tell them by the cent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I went in to an XXXX store in XXXX, XXXX on the weekend of XX/XX/2017. I was visiting from my home in XXXX. I purchased an item, a briefcase bag. There was no sign displayed detailing a return policy of any sort. I left with the bag. When I got the bag back to my hotel, I noticed a split in the leather at the point where the bag would bend. The next day, I took the bag bad to a second XXXX store because it was closer to my hotel and I was leaving on the plane that day. They told me that they had a special return policy where I could only exchange the bag. Being from XXXX, and afraid that my replacement bag would break in the same way as well, I declined. I next called American Express, my credit card. The agent told me that they could not do anything for me until the charge posted, but that I had purchase protection should the merchant not allow me to return the bag. I was then transferred to the American Express Insurance Company. I stood there at the store counter and filed my claim. The Amex representative told me that my defective bag was eligible for coverage up to 90 days and other plan and claim information. As I was doing this at the store counter, the store manager was listening to me file a claim. He said it was not their store policy but that he would give me a gift card instead. I ASKED the Amex Representative about this, because I did not want a gift card. I live in XXXX, there are no XXXX stores there, I can not use a gift card there. He said very little, just that I could accept a gift card in exchange for the bag. He said nothing about how this would impact my claim for insurance. He still said my claim After speaking to the representative, I left the store with the gift card instead of the defective bag upon the advise of the American Express Insurance representative. American Express Insurance subsequently denied my insurance claim on my credit card because I do n't have the bag. I feel cheated, tricked, and misled by my own credit card. The agent never once told me that I should hold on to the defective bag instead of taking the gift card. He instead told me I could take the gift card and failed to ever mention that it would invalidate my insurance claim that he was filing for me. I subsequently called back and another agent told me " I should have know that a gift card was an excluded item. '' The American Express agent actively led me into a circumstance where they would not have to cover my purchase to their benefit and my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Dear Sir, On Friday, XX/XX/XXXX my wallet ( CCard, debit card & XXXX DL ) was stolen and subsequently money was taken out of my chequing account via debit card purchases at XXXX & XXXX ( over {$2600.00} in total ). Police reports were made to the XXXX XXXX Police Dept ( city where wallet was stolen ), and to XXXX XXXX Police Dept ( city where the frauds occurred ). Videos of the person ( s ) using the cards are available at the respective stores but will not be released to me, awaiting PDs collection, On Monday XX/XX/XXXX, I realized the Debit Card was frauded ( debit card used fraudulently on XX/XX/XXXX ) when I checked my account and immediately reported it to HSBC Fraud Dept. Note that I was immediately informed of a fraud situation by HSBC for my stolen Credit Card on XX/XX/XXXX itself, but could not stop the transaction of over {$810.00} on the Credit Card. A transaction of {$820.00} on the credit card was stopped however at about the same time. That said, I was not informed of the debit card situation on the XX/XX/XXXX by HSBC, which was frauded within about a 30 mins timeframe from the Credit Card. 

I have been working with HSBC Fraud Department ( contact as below ), primarily with XXXX XXXX, since XX/XX/XXXX. Since then, I have provided HSBC Fraud Dept with both the police reports, and have had numerous conversations with their CS Fraud Reps, and with XXXX ( over 5 calls, possibly more ). They have records of the conversations in their CS logs. Many excuses were raised as to why they are not moving on the case and refunding me the money on this case, the bottom line after many conversations, they are waiting for the PDs to " do something '' with the case - unfortunately, it seems like the PDs are ignoring this case and are not investigating for whatever reasons. I am stuck between the PDs and a huge bank that does not seem to care to want to take care of the fraud situation but is sitting on the case, seemingly to wait for the time to expire. 

I would appreciate it if you can help as I do not have any more data to provide HSBC as to my innocence - unless I am lying in the police reports, which I am not, and the videos should demonstrate that, I do not see what else I can do on my end, with both the PDs and HSBC. 

The contact/address for HSBC is as follows : HSBC BANK USA Fraud Claims & Recovery XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX ( apparently if you hold on, you can get to an operator ) Investigator worked with : XXXX XXXX ( XXXX I am attaching the police reports with all the relevant details accordingly in the reports and supplemental report. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX my mother passed away. I am the executor of her estate. She held a American Express XXXX Credit card ending XXXX. The card was not recovered in her personal effects or at her residence. A collection agency ( XXXX ) was assigned by American Express for collection of an outstanding balance. XXXX Services provided all the statements for a review since the card was not recovered and suspected fraud had taken place. In XX/XX/XXXX XXXX Services was provide all the information including police report, forge signature receipts for purchases and the request made for credits issued against the account. XXXX Services forwarded all the information back to American Express for resolution. American Express assigned a case number however they have failed to make any credits to the account. Numerous letters, faxes and phone calls have failed to resolve the issue. XXXX complaint XXXX Failed to resolve issue. Attorney General XXXX complaint XXXX resulted in forwarding complaint to Comptroller of Currency XXXX XXXX. Follow on phone contact with Comptroller of Currency forwarding complaint to your office as of XX/XX/XXXX. Comptroller suggested contacting XXXX Bank whom took over American Express XXXX Credit lines. Phone Conversation with XXXX Bank confirmed that only active accounts had been transferred from American Express and they had no information available concerning the account or the account holder. Although sufficient documentation has been provided to American Express they have refused to act, or communicate effectively across departments or with the administrator of the card holders estate. I can provide all the documents that have been transpired to support the complaint. The credits in the amount of {$3700.00} be paid back to the XXXX Trust request has been made several times, but American Express has continued to fail to act for an extensive period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I over-payed my card and I requested a credit card balance transfer on XXXX/XXXX/2016. American Express told me the credit transaction will be completed in 5-7 days. After 7 business days, I still have not gotten my over-payment transferred, and the customer representative has no solution but keep telling me to wait 48 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
During my flight booking process on the XXXX ( XXXX XXXX XXXX ), there was an American Express offer before the checkout/payment option for my flight tickets for an American Express Delta Skymiles Gold Card, which stated : " {$150.00} Statement Credit after you use your new Card on a XXXX purchase in your first 3 months. '' After applying, I was shown that my account was pending a manual review and if approved, I would receive the card in the mail within 15 days. Noting there was also no available option that if approved, I could receive my card information in an instant email instead of waiting 15 days for the physical card in the mail. THIS DEFEATS THE PURPOSE OF EVEN APPLYING FOR THE CARD, AS I WAS GOING TO USE IT IMMEDIATELY TO PAY FOR MY TICKETS AND RECEIVE THE {$150.00}. CREDIT. THIS IS AN INNAPROPRIATELY PLACED ADVERTISEMENT WITH NO DISCRETION THAT YOU MAY NOT BE ABLE TO USE IT DURING THE IMMEDIATE PURCHASE OF YOUR TICKETS WHERE THE ADVERTISEMENT IS PLACED. I SIGNED UP FOR THE CARD FOR NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a valued AMEX card member since 2013 and happy with their services. However, in XX/XX/XXXX, I have applied for the American Express platinum card with the sign up bonus of XXXX Membership reward point after {$3000.00} spending. I used this card for my daily spending. After one month, I met the requirements, and American Express posted the XXXX points to my Membership reward account. On XXXX XXXX, I noticed that Amex had reversed the XXXX points on XXXX XXXX with no explanation whatsoever. I contacted the CSR and gave me a case number, but told me no reason. On XXXX XXXX, I called the back number on the card, tried to figure out what exactly happened to my points. I was told that my points been reversed was because my spending did not meet their requirements. Since I had received my points after {$3000.00} spending, and AMEX already posted it to my account, I had no doubt regarding what is qualified for the spending. Now, after two months, which already exceed their promotion period ( 90 days of opening account ), AMEX came back and told me my spending was n't qualified??? Are you kidding me? IF it is not qualified, then I should have known. If it is AMEX 's own IT or Tech problem, then I should be granted to their own mistakes!!!! BUT, they did not do anything, so I decided to cancelled the card without any hesitation. 

BUT, this afternoon, I received a call from Membership Rewards, a lady told me my reversed points were still under review, because there was an error regarding of what I had purchase on my platinum card, so she said it might take couple more weeks to finish the review. I told her I had closed my account already, she said if I wanted to continue this investigation, I had to reinstate my account. BUT there is no guarantee of what could happened to my account. 

1. I only asked for extended time to make qualified purchase, since I am the only covering AMEX 's own fault!!!! BUT they would n't grant that!!!! 
2. Since I already closed my account, why are you guys telling me this further review, and suggest me to reinstate!!!!!!!

Company response to consumer: Closed with explanation