vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was mailed a offer to relieve bonus miles as part of opening a new account. The miles we 're award however did not show up to my miles account with the particular airline. When I called to inquiry about this I was told it was due to having a incorrect airline miles account number. The correct number was given and I was told to expect the miles in XXXX hours. The miles never showed up so when I called I was told the miles would not be awarded due to having a previous account with the company. No where on the mailing solicit ion was this information provide in a easy to understand format. If I was not eligible for the account and/or bonus offer why was I solicited for the account. The company had all of my previous information and knew I would not be eligible. However this was not made clear to me when I first called about this issue. I was lead to believe I should expect the award miles to be available in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 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: UT

Complaint narrative:
Midland Funding has continued to report inconsistent rention dates on multiple accounts, to the XXXX credit agencies. On account XXXX, they report to XXXX a retention date of XX/XX/XXXX -- XXXX XX/XX/XXXX -- no reporting on XXXX. Account XXXX they report to XXXX a rention date of XX/XX/XXXX -- no reporting to XXXX -- and a reporting of XX/XX/XXXX to XXXX. On account XXXX they do report to XXXX or XXXX -- to XXXX they report a rention date of XX/XX/XXXX. On account XXXX they do not report to XXXX & XXXX -- but report a rention date of XX/XX/XXXX. On these accounts, they do not report an original creditor or contact information for the original creditor. They have failed to report correct information on any account that they hold of mine. I have submitted numerous disputes with each credit agency, & they continue to verify each account with each agency, even though all information that they report is inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding , LLC a collection company is listed on both XXXX and XXXX credit bureaus as a collection account for XXXX dating back to 1999. The original creditor was XXXX with whom I had the telephone account. XXXX was not able to provide documentation as to why I owed on this account. I had XXXX phone service for many years and always paid for my phone service. I could pay this and make it go away but I do n't think it is fair that they are pursuing collection activity for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
A man named XXXX XXXX called my new husband trying to collect a debt for American Express. He did not identify the agency he worked for. I already filed a complaint against the agency for illegal debt collection practices. My husband told him that American Express agreed to let me pay them directly when I get my financial settlement from my ex husband. He pursued the matter. My husband told him to call American Express. He said he would be calling me back until the debt was collected. I am tired of these people harrassing me and trying to bully me with threats of turning the matter over to a lawyer. A lawyer is the reason I can not pay the bill right now, my ex husband. These people need to be put out of business, or fined for every consumer complaint. The company response to my prior complaint was that they did nothing wrong. What else would an internatl audit by the agency itself determine? Better laws need to be made for debt collection practices and they need to be enforced. They assume they are dealing with ignorant people, but not this time. I will pursue this matter until the company is stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
After XXXX missed auto-payment to XXXX I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( XXXX ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Back in XXXX XXXX, 2015, I applied online for American Express Business Gold Rewards card ( ref : XXXX ). Back then Amex was offering XXXX membership rewards points as a sign up bonus. My application said it needs to be reviewed, so I called Amex to speak with a credit analyst who approved the application. I checked several times with Amex representative to make sure that the sign up bonus was correct ( XXXX ) and Amex representative confirmed it. However, when I met the required spending Amex only awarded XXXX points claiming that that was the sign up bonus on my application. Multiple calls to Amex failed to make any progress. I asked to pull conversation tapes from approval call, but Amex claims they ca n't locate the tapes. I also provided Amex the screenshot of the offer I originally applied online. 

The difference of XXXX points can be valued at $ XXXX-XXXX depending on point valuation applied, so it 's quite a lot. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for the American Express " Amex Everyday '' credit card under the promotional offer of " Spend {$2000.00} within 90 days and receive XXXX Membership Rewards Points '' The sign up date was approximate XXXX XXXX. I have met the requirements of the promotion during XXXX XXXX, but the Membership Rewards Points never posted to my account. 

American Express claims to have looked into the issue. I am getting conflicting answers every time I call the contact center. Some agents tell me that the offer will post to my account within a few days ; other agents say there is no such offer associated with my account. 

I believe this is a bait-and-switch situation, in which I was lured in my an offer that American Express never intended on rewarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express card was charged by a merchant in XXXX. This charge was unauthorized and when I contacted the merchant, the unauthorized charged was reversed. However, the original charge and the refund posted by American Express was on different days and therefore, I was responsible for the difference in the XXXX denominated charges. This inaccurate charge is costing me {$49.00} and American Express is unwilling to correct this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I HAVE BEEN DISPUTING XXXX XXXX BUSINESS XXXX ACCT ENDING IN XXXX WITH XXXX XXXX FRAUD DEPT XXXX ID # XXXX PHONE # XXXX EX XXXX - ON XX/XX/XXXX HE INFORMED ME THAT A BALANCE TRANSFER FROM THIS FRAUD XXXX XXXX BUSINESS XXXX ON XX/XX/XXXX {$4100.00} WAS PAID TO AN AMERICAN EXPRESS ACCT ENDING IN XXXX IN MY NAME. I CONTACTED AMERICAN EXPRESS AND WAS INFORMED THAT AN ACCOUNT WAS NOT OPENED IN MY NAME AS THE CARDHOLDER - BUT AS AN ADDITONAL CARD. I REPORTED THIS AS FRAUD. I NEVER KNOWINGLY APPLIED OR ASKED TO BE ADDED AS AN ADDIONAL CARD HOLDER. THIS NEW INFORMATION IS NOW UNDER INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was contacted today ( XXXX/XXXX/16 ) at XXXX by Midland Credit Management from XXXX and was given the name XXXX as the representatives name. I immediately knew the reason for being contact because six month prior to today, I agreed to have funds taken out of my checking account and was told that I 'd be contacted to reconfirm the recurring payment. Today the representative XXXX refused to allow me to continue making my current payment and demanded that I increase my payment. She told me if I do not make an increase in payment that my account would given to someone else and that she would not be able to help me anymore. This was an attempt to scare me making payments that are outside of my current capabilities. I explained to her that is would be ok if my account went to someone else because the payment that I 'm making is all I can do. I also asked why they were unable to take my payments any long and was told because I need to increase the amount and the rep. continued to demand more money from me. I do not see how that is fair when I am in agreement that I owe the debt and I am making an attempt to pay it and it was flat out refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: IL

Complaint narrative:
The balance of this loan from XXXX XXXX XXXX of XXXX, XXXX, was discharged as part of a chapter XXXX bankruptcy, and is reflected as XXXX balance on my credit report. I received a letter from Trans World Systems of XXXX, XXXX, stating that the balance of the loan is now with their agency for collection, and the want the balance in full, with and almost {$800.00} fee. I believe this is fraudulent. In the letter they sent, there is no phone number to call, and the website they list requires information to log in that was not included. The letter states that if they do not hear from me in 30 days, that they assume the debt is valid and will pursue collection. I doubt the validity of this letter, the company, and their access to information which is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citibank enrolled my XXXX year old mom and I in their Credit Safeguard without her consent. We have been unwittingly paying the monthly premium for years. When I read about the settlement with CFPB I requested a refund. Though they were aware they owed a refund they did nothing until our request. It took over 30 days to provide a response. They indicated that we were due a refund of {$3000.00} in a letter dated XXXX/XXXX/XXXX and they had issued a refund credit that would appear on the account within two billing periods. I called them in XXXX and was told that it would appear on the next bill. In the interim I have been making scheduled monthly payments. On XXXX/XXXX/XXXX I received my XXXX statement and the credit has still not appeared. I called Citibank for the third time on XXXX/XXXX/XXXX and was given the run around again. The credit monitoring department said they could only " email an escalation '' to the refund department but they could not speak with anyone. A response could take " up to 30 days '' AGAIN. I spoke with a supervisor and got the same response. I was then transferred to " customer service '' XXXX said the credit would be on my " next month bill ''. We are talking about XXXX now and all I have is another hollow promise that the credit is on the way and there is NOTHING ELSE that can be done. In the meantime I am still being charged interest on the amount that should have been credited. This seems unethical at best if not fraudulent to delay a credit this amount of time. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. 

This credit card is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank called XX/XX/XXXX to tell me the payment mailed on XX/XX/XXXX was never received, so I made a payment over the phone. My statement showed a payment credited on XX/XX/XXXX and a payment credited on XX/XX/XXXX, which they told me on the phone paid full amount due. They then charged a late fee, creating an unpaid balance and charged an additional late fee in XX/XX/XXXX. I called and they said pay us {$42.00} and it will pay you in full through XX/XX/XXXX which I did. Then I mailed out XX/XX/XXXX payment so I would be paid a month in advance so they could n't play the late fee games again, clearly marked on the check and billing invoice XX/XX/XXXX payment. Instead, they credit the payment and bill me for XX/XX/XXXX again. Because I closed the account they will not allow me to make online payments, and they will not allow me to make a payment a month in advance. They are setting me up at the mercy of the postal service so they can claim late payments and charge fees. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX because of their deceptive practices and I 'm still at risk of their charging me {$35.00} late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX I received a electronic notice from XXXX - a money management software program, that my American Express Credit Card APR interest rate went up by 15.00 % without any warning or notice and without cause. I have had low 10.25 % APR on purchases for many many years without any issues and now I am slammed with a 25.24 % purchase APR without any reason. I have a clean credit history, no late payment, and very high credit scores! I have been with American Express since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems has contacted me numerous times despite my telling their staff that I paid this debt directly to the doctors office and it is paid in full. There is no debt to collect, however they continue calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: TX

Complaint narrative:
I filed a complaint against Midland Funding/ XXXX Midland Credit Management with your agency on XXXX/XXXX/2015. Case number XXXX. Since I have filed the complaint and Midland has received your letter, they have now retaliated against me, by re-reporting the information on my Equifax report under the name MidlandMCM with no original creditor information and aXXXX days late since XXXX 2015. This just showed up today, I know this is the same company, because it is the same account number. Please help any way you can

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
old debt I could n't pay due to death in family debt is past statue of limitations, a new debtor brought the debt and is trying to reopen the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 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: RI

Complaint narrative:
Paid off the account in full, to original creditor XXXX, as was turn over to collection agency, so I disputed the to all credit bureau that I do n't own any money, requested to have those collection agency removed, during investigation result that collection agency said I still own money as it MCM Midland Credit Management , Inc . I send them a copy of my on line banking payments proof from Credit Union which I made electronically payments, as printout so clear and legal documents from my credit union payment transactions, as it was n't good enough for them no matter it statement as proof. so send them another copy hope it to right person to contact the original creditor to verifies payments posted to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have an account with American Express. I rented a car with XXXX on XX/XX/XXXX and returned the car on XX/XX/2017. XXXX charged my account {$160.00} my total rental was {$46.00}. XXXX credited my American Express account back {$110.00}. I called AMEX Authorizations Department on XX/XX/2017 and they stated that the {$110.00} was not credited back to my account. Once again I called XXXX and they stated that the money was returned to AMEX. Now Amex claims everything has been settled with the rental car services but the my money is NOT reflecting toward my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. 
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. 
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. 
HSBCs vendor is their problem -- HSBC is responsible for paying my bills. 
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. 
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. 
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.

Company response to consumer: Closed with explanation