vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had possession of an American Express gift card which was fraudulently used to make a purchase. Amex treats these cards as cash so basically they were only willing to say " sorry '' and give me the name of the company that processed the transaction. The company, of course, is completely unresponsive. There is no consumer protection for these gift cards and now I have lost that money fraudulently. If the card were truly similar to cash I would have never lost it because it remains in my pocket. There must be a better way for Amex to protect these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Closed and pulled money from the account to make it a zero balance. Had told me prior on the phone that they would send a check for the amount of the account. 

After months of not receiving a check, I called them again and the representative told me that the account was permanently closed and the money returned to where it came from and that I would not be receiving a check. She could give me 'no further information '.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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: OK

Complaint narrative:
Asset Acceptance LLC is reporting the wrong Date of First Delinquency on my credit report. The Original Creditor, XXXX XXXX XXXX XXXX, is showing a first delinquency date of XXXX. Asset Acceptance is showing a date of XXXX. According to the terms of the FCRA 623 ( a ) ( 1 ) ( A ), the collection agency Date of first delinquency must match that of the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX I applied for and was approved for an XXXX Platinum card with a XXXX Membership Reward point bonus after spending {$3000.00} within the first 90 days of card membership. 

On XXXX XXXX I called XXXX to confirm that I was eligible for the offer - the rep confirmed my eligibility. To make totally certain this was accurate, I then called back two more times and spoke with different reps who also confirmed eligibility. 

Based on these approvals, I then spent {$3000.00} on the credit card. But for the confirmation made my XXXX reps, I would not have spent this money and would not have singed up for the credit card at all. 

I have contacted XXXX who is now ( after I spent the {$3000.00} ) saying that I 'm not eligible for the point bonus. They first conducted an investigation in which they claimed that I never called to verify eligibility. After providing proof that I called, they then changed their story to say that they were able to find the calls and confirmed that the representative did confirm my eligibility. However, even though they admit their mistake, they are still not willing to honor the point bonus. I have defrauded out of {$3000.00} and XXXX membership rewards points. 

Please see the attached documents which highlight my application approval, my phone call records, letters from XXXX denying I called, and their eventual admission that I did call, but they are unwilling to make good on the word of their reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: FL

Complaint narrative:
I had a contract with XXXX in 2010. My contract ended with XXXX and I switched over to a different company. I paid my bill to XXXX balance. I received a collection notice from Midland stating their are collecting a debt. I contacted XXXX, spoke to a representative stating my account is XXXX balance. I asked why is Midland reaching out to me to collect a debt. no answer. I understand XXXX was sued because they were charging unauthorized downloads etc ... Since the loss of the XXXX, the validations of the charges are inaccurate. feeling confuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS SHOWED THE CARD AS A LATE PAYMENT WHEN INFACT THERE WAS NOT A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My sister bought an American Express gift card, which is considered a prepaid card in XXXX 2015 for my birthday. Unbeknownst to her and myself since we did not read the fine print, there are {$5.00} of fees each month on this card. Basically American Express took the % XXXX back in monthly fees of {$5.00} per month up until XXXX XXXX today. When I used the card today, it had {$8.00} left on it. I thought it was illegal to charge fees on a gift card due to the Consumer Protection Act. I consider this to be an egregious act of greed and a predatory business practice. Neither my sister or I were aware of these card fees This card is presented as a gift card but does not act like one. I asked American Express what the fee was for and they said it was a maintenance fee. I asked them what they were maintaining since I had n't use it for 6 months? She could not answer me. Please let me know if you can stop this predatory practice. This was very upsetting to me because I have never had a gift card given to me eaten up by bogus monthly fees!! It is really mind boggling!! Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over {$200.00} to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 XXXX in perfect condition, with a little more than XXXX miles on it for only {$15000.00} and are now coming after me relentlessly for {$19000.00} when the car was not even worth {$34000.00}. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: IL

Complaint narrative:
Dear sir/madamas I was going through my credit report on XXXX and XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter to my home address with a diffrent recipient name on it. Said they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report. 
I copy this account number from my XXXX credit report with Midland funding name on it XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management filed suit in XXXX County, California 30 days after the 4 year statute of limitations expired on a debt. The only way I have been informed of a lawsuit was via a law firm sending a sales letter to my address. 

The debt was 30 days overdue ads of XX/XX/XXXX, suit was filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Getting calls from a number from a company claiming to be Midland. Caller says name is XXXX XXXX and he threatens to deliver papers to my place of employment and a case is being filed against me. I 've already been to court and settled with Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I refinanced a equity loan with XXXX paying off HSBC They never filed a affidavit of satisfaction. I have asked them about this and filed the necessary document to get this resolved on XX/XX/XXXX .. I did not know of this till I tried to sellmy property ..they are telling me it will take XXXX too XXXX days to resolve this ..Mean whilethe buyers are becoming inpatient and also the people I am buying from..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store, '' but they insist it 's not a US Supermarket. AmEx should NOT be marketing to Hawaii businesses if AmEx will not recognize Hawaii as a State. 
In addition, since I was signing up for the AmEx Blue card and their flyer said I could transfer a balance and pay it off interest free I did so. But only upon receiving this XXXX 2015 statement do I find they charged me a transfer fee. Their marketing stresses this free balance transfer option and does not clearly state they will apply a 3 % fee which fees misleading to me. And since the balance transfer only showed up on my XXXX 2015 statement I 'm being told it 's too late to cancel the transfer and they wo n't address the transfer fee. If they were clear about the 3 % fee I would n't have used them in the first place as my other cards offer me transfer checks I could use that do n't include a transfer fee and would n't charge me interest either for 18 months or so. If AmEx was clear in their marketing I would n't have used them for this transfer! 
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count, and it 's now too late to address the balance transfer fee so AmEx gets to take over {$200.00} from me in transfer fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Despite my filing XXXX disputes with Equifax ( see enclosed ), they refuse to remove a medical bill ( see enclosed statement from the XXXX ) that was charged off on XXXX XXXX, 2013. This negative does not appear on my credit reports from XXXX, XXXX or XXXX and is no longer on file with XXXX ( see report from XXXX ). This single bogus and baseless negative item is preventing me from obtaining a loan for a home. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They mailed a collection notice with terms to my employer 's home address in another city. The letter was addressed to me at his address, my employer opened it. My employer put the open notice on my keyboard on my desk where it laid for XXXX days in my absence. 

They also mailed a notice with terms to my daughter 's address in another state. My daughter opened it and called me very upset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have made every payment and am ahead one payment but XXXX XXXX, XXXX have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. 
Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My Amex account holder information was hacked allowing Amex to cancel my card, issue a new card to the person who hacked the Account Holder Information, closed my card. The person who Amex issued an unauthorized card has stolen through Gift Cards amounting to over $ XXXX- {$6000.00} per month, XX/XX/XXXX through XX/XX/XXXX. Amex express was notified however ; refused to protect me. My Amex Credi Card was opened XX/XX/XXXX. My Social Security number remains as the person responsible for this fraud and identity theft. XX/XX/XXXX I received a letter from Amex removing me from my own account, AMEX provided an unauthorized card to an unauthorized person on my account. Thus enabling over {$500000.00} stolen funds from my XXXX and myself. in Gift Cards and Other Transactions. Friday XX/XX/XXXX, one of the representatives were sending my case file to underwriting. However, I am harmed, my company has been harmed causing losses of almost {$500000.00} due to the negligence of AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. 
My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. 
Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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: NY

Complaint narrative:
A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
XXXX XXXX, XXXXDear Sir/Ms ; I have requested American Express to remove a negative item on my credit report, but they have declined. The event occurred in XXXX through XX/XX/XXXX. I closed my account with American Express and entered an agreement with American Express to pay the balance in monthly installments. I was reluctant to do this because it would be reported as a late payment on my credit report. I was told by the American Express representative that it would not have a negative effect on my credit because it would show that I was making monthly payments on the account. This was true for the first two months, however after the third month, my credit score dropped XXXX points. I immediately paid off the balance and thought my score would recover. However, two years later it has not and my understanding is that this will be on my record for another five years. 

I was a long time card holder with American Express and always paid my bills. If you look at my credit history, you will see that I have never been late for a payment on any account. I do not think that it is fair for this negative information be on my credit report for another five years. Also, the intent of the negative report is to reflect that I was unable to pay the account. This is false, which is confirmed by the fact that I paid it off immediately when the huge negative affect on my credit was made known to me. It is also misleading to show that I was late in paying my account when I was actually paying it off with monthly payments. 

I feel that I was given misleading information regarding the impact of the payment plan on my credit report. If I was told the truth about the impact on my credit, I would not have participated in the payment plan. I have XXXX requested the transcript of the phone call that I made to American Express where I was given the misleading information, and I have not yet received a response This is having a negative impact on the loan rates that I are available to me. I am also in the job market and I am concerned about this having a negative effect on prospective employer background checks ( which access my credit history ). 
Thank you for your time.

Company response to consumer: Closed with explanation