vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was on XXXX attemting to make a purchase of a pair of shoes when I noticed that there was a link from AMEX on XXXX stating that if I qualified and purchased the shoes from AMEX that I would receive a XXXX credit towards the purchase. After I applied for the AMEX XXXX and was qualified I was brought back to XXXX to complete my purchase. The transaction went through. The next day I was notified that the transaction was declined by XXXX as Amex would not allow the the transaction to go through. I then called XXXX and spoke with XXXX who verified my name address and the last XXXX digits of the instant card number I received. she then assured me that my transaction would go through. 
The next day I was sent an email from XXXX stating that the transaction has been declined by Amex and that I should call them. I called AMEX and asked why I was declined and they said because the XXXX transaction does not meet with their terms and conditions on an instant account. 
Why would AMEX and XXXX advertise on their website an incentive to get the AMEX when they wont even honor a transaction from them? Why was I brought back to XXXX after I qualified for an instant account to complete my purchase if it was ineligible? I would not have applied for a card that would do nothing for me with reference to the transaction. This is a clear XXXX violation. When speaking with AMEX I had referenced XXXX several times and all they could do was apologize. This is wrong and consumers should not sign up for this card if AMEX can not honor the transaction on the Website it was advertized on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I have an open account with HSBC Bank, which was closed paid in full in XX/XX/XXXX. The account is showing as still active as of XX/XX/XXXX. The account status shows closed - transfer/sold with a balance of XXXX. This account is past the 7 year date and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc.
State: AZ

Complaint narrative:
Trying to refinance our home through American Financial Network INC, XXXX # XXXX. We were told we qualified for a VA Loan, my husband is retired. We were told we had to have an VA Appraisal, which we did for {$400.00}. Then we were told that we could not get a VA Loan and that we had to get a conventional appraisal, which we did for {$600.00}. We were told that we would get that money back once we refinanced. Then we were told that we did n't qualify for a conventional loan and they could n't help us. I asked for my appraisals which took me two weeks to get and now I found out that no other bank will take the appraisals, so we are out {$1000.00} for appraisals. I want American Financial Network INC, to pay me back my {$1000.00} because they should have NEVER asked us to get appraisals until they were certain we had qualified. Please help me get back my {$1000.00}. My account/file number with American Financial Network, INC is XXXX, Loan Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed a stipulation of settlement ( attached ) in XX/XX/2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I used to have an American Express XXXX XXXX, which I closed about a year ago. A few days ago, I received a bill from American Express saying that I owe then {$920.00} ( due by XXXX/XXXX/15, closing date of XXXX/XXXX/15 ) on this closed card. The bill shows a charge for {$920.00} processed by American Express on XXXX/XXXX/15, in XXXX XXXX ( XXXX XXXX XXXX, a hotel ). I immediately called American Express and informed them that I no longer have this card, which should have been closed a long time ago. A person at the fraud department at American Express did reverse that charge, but refused to tell me how any charge, whether fraudulent or not, could be processed on a closed credit card account. I was also informed that I will never know how this happened. I 'm filing this complaint because this suggests that American Express has a huge gaping security loophole that needs to be closed, and the public needs to know about this. I would also like a much better explanation on how this happened and what I need to know to prevent future incidents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 American Express received a refund from XXXX of {$320.00} to my account. My statement dated XXXX XXXX showed a credit of {$290.00} - ( {$320.00} less purchases I made ). I phone AMEX asking for a check on the credit. About 7 days later, I received the check, misplaced it and phoned AMEX. The agent stopped the check and said a new check would be issued. No check came. 
On XXXX XXXX, 2015 I phoned AMEX, explained the situation to a supervisor, XXXX, who said she would expedite the check. No check came. 
XXXX XXXX, 2015 XXXX, the supervisor, called to ask if I had received the check. I had not. 
XXXX XXXX, 2015 the supervisor XXXX called again asking if I received the check. I had not. 
XXXX XXXX I wrote a more detailed letter of complaint to Customer Service, American Express, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX asking for the credit. 
Today, XXXX XXXX I received my monthly statement from AMEX. There is no credit amount on this statement..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 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: OH

Complaint narrative:
Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: WI

Complaint narrative:
This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC
State: CO

Complaint narrative:
Terrible experience refinancing through Envoy Mortgage, XXXX XXXX 's agency. Use higher that average title and appraisal services and pass cost off to the customer. Horrible customer service - especially once you have paid them. Pay-offs were done wrong and could not get answers to my questions, just told to go figure it out myself. Mortgage was sold and no notification was sent to customer. Paid extra to principle before my loan was sold - it 's been two months and that money has never materialized at the new mortgage company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding LLC is reporting a due balance of {$8000.00} under the account number XXXX in my credit report which should not be in my credit report because the date of default or the last date of any activities with me is more than 7 years old. The card was with XXXX and last activity with me is in early XX/XX/XXXX and subsequently defaulted. XXXX was sold to XXXX bank in early XX/XX/XXXX. In XX/XX/XXXX, XXXX sold the account to Midland LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: KY

Complaint narrative:
On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services. 

Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance. 

I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be. 

I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Out of nowhere American Express added XXXX accounts to my credit history, proof attached in original dispute/ complaint. My request was that they remove XXXX of these accounts as I did not personally guarantee them. They stated I did but to date have not sent me signed original applications for this supposed credit. All I want is original applications for credit showing that I personally guaranteed them, which I know they ca n't provide. That said I also want these accounts removed from credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an offer for American Express XXXX card that stipulated certain terms. If I spend XXXX in 3 months I get XXXX bonus points. And if I spend an additional XXXX dollars I get an additional XXXX bonus points. I signed up with the code they provided. I got approved and received mail and a phone call confirming these terms. I spend the required XXXX dollars in the XXXX 3 months and did not receive the points. I was charged the XXXX annual fee in the XXXX month. I called to understand why they did not apply the bonus points and they stated that the offer was not linked to the account. I gave them the code and asked what other information they needed. They opened an investigation and first they said it would take one week then a month and then 6-8 weeks. It is now 2 months and they said they are not ruling in my favor. I asked why, and specifically requested to pull the phone call in which they read the specific terms but no they have not acknowledged that request. I am not sure why the code is not linked properly but regardless, how are they allowed to send material and confirm a credit card on a phone call and not be held to their own terms and agreements. I have asked for the points or my money back for the fee and they said there is nothing they can do. 
Can you please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes twice in XXXX month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In 2016 American Express ended its role as the exclusive card for XXXX, with that role being taken over by XXXX. My existing AMEX/XXXX card had a balance at the time of the change and that balance was transfered to the XXXX account. Subsequently, AMEX mailed me an offer to open a new account with them ; the offer extended stated that balance transfers and purchases would be interest free for 15 months. Taking advantage of this I transferred the XXXX balance ( the original AMEX/Costco balance ) back to AMEX under the new, interest free offer. However, in the first billing cycle, AMEX charged me interest on the balance transfer made, contrary to their offer terms under which I made said transfer. 
I called AMEX and opened a complaint. After a month of not hearing anything I called AMEX and inquired of the status. I was told a decision was forthcoming. I waited another 4 weeks and phoned again. During this XXXX call AMEX made the assertion that the interest free offer only applied to purchases, not balance transfers, despite the fact that the offer letter clearly states both purchases and balance transfers would be interest free for 15 months. The customer rep supervisor asked for the offer number printed on the offer letter. I provided this to her and she responded that the offer number did not cover balance transfers. I replied that her position was that the document they sent me, which I still possess, which states both balance transfers and purchases would be interest free for 15 months, did n't say what what was printed on the paper. AMEX requested a copy of the offer, which I scanned and emailed to them. 3 days later I received a voice message from AMEX, saying to call them at the provided number and enter a XXXX digit code. I called the number, but the automated system requires a XXXX digit code. At this point I believe AMEX is purposely avoiding honoring their offer terms and purposely making it difficult to reach them in an effort to make me drop the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. 
This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. 
I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have set up payment arrangements with the company. I have been making payments as promised. They continue to call wanting more money than we agreed on. Even though I make payments on time they call and call constantly!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had paid for a protection policy in case I was hospitalized or lost my job, the amount owed would be waived and I would owe nothing. I submitted all of the necessary paper work and they refused to honor the policy. I have been threatened and they have called all of my relatives friends and so on harassing them to get me to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a satisfaction of judgement from American Express yet they continue to report that they have a judgement against me. The judgement American Express has against me was initiated via a fraudulent subservice, the very least American Express can do is stop reporting the judgement now that a satisfaction of judgement has been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company garnished my wages without proving that is was my debt. They also garnished my wages before any court date provided. They where sending notices to an incorrect address that was listed on the court documents. Did not receive notice of right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with explanation