vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express serve is committing Fraud for personal gain.XXXX 2016 I made a purchase from XXXX in the amount of XXXX and change XXXX did not have the items in stock so XXXX immediately cancel the transaction on XXXX XXXX 2016. Every since XXXX cancel this order my bank has be refusing to release my fund back into my available balance for fraudulent purposes and give different dates when fund will be available due to the fact they fear liabilities and do n't trust they customers XXXX XXXX 2016 the same situation occurred and fund got released on the XXXX of XXXX 2016 after merchant verbally told American express they will not collect the fund and put the funds back in customer account but American express refuse due to fraudulent purposes and again with lady ft locker. American express is now changing the time frame from XXXX 8 days regarding my XXXX purchase which was not in stock to release my funds when there a history of 7 days before they release my funds on a cancel transaction. American express serve is Committing fraud and I seek relief

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express Centurion Bank has obtained a judgment against me in case XXXX on XXXX/XXXX/2010 in XXXX XXXX, CA XXXX Court. I do not have details as to facts they claim since I was never served and did not have such account. After I advised them that I was never served and I was victim of Identity Theft, they advised me that entire case is promptly going to be dismissed. However, case is continuing to show in my credit reports and in the records of the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a credit card from XXXX XXXX. They sent the card and after I used it, they said they have to close the account because I made a large purchase. The card does NOT have a credit limit so its not like I went over my credit limit. Also, I paid the full balance in full. They are saying that since I ca n't produce tax returns and I made such a large purchase, I have to close the account. However, when I applied for the card, I told them that I just started working in XXXX XXXX. This means that my first tax return would not be produced until XXXX of this year ( XXXX ). I do not think it is fair for me to have a recently opened account being closed on my credit and causing my score to go down. I am prepared to take this complaint as far a I have to in order for justice to be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Gold American Express Credit Card has had Fraud since about XXXX or XXXX of 2016. I 've been making contact with American express to get the amount that I owed for my payment considering the fraud on the account. I told them I was n't going to pay unless everything was calculated properly and fairly. Finally, XXXX approaches and my account is the same. I did n't see any deductions. Every time I call they tell me its been taken care of. At the time, I get an alert from the credit bureau saying my account is 30 days past due. I called again and they stated that would be taken off. XXXX finally comes and I deal with the same thing. XXXX comes and I am still dealing with the same thing. At this point I am highly stressed out and do n't know what to do. I am asking to speak to the American Express Credit Bureau dept and no one wants to put me through. They keep saying I 'll see updates. At this point, I get an alert and it says my account is 90 days past due. Towards the end of XXXX I spoke to an account specialist who finally understood what I was saying and he did what he could do. He told me my account would be back open by XXXX XXXX and if it were n't to give them a call back. He also stated that my account should be back current because I should n't be responsible for unauthorized use. He said he read all my notes and can honestly tell me that I should n't have to go through this and that nothing was my fault. His name was XXXX and his XXXX. Besides that, I called XXXX XXXX, 2016 and my account was n't open still and apparently the rep I spoke with told me I had to reapply which is extremely unfair by the way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received an Amex gift card in the mail directly from Amex as a gift from work. I used it at XXXX merchants 1 day apart. I went to use it 2 days later and bal is XXXX s/b {$37.00} ... Went online to view bal and transactions and was used at a XXXX in NY ... I live in TN ... Unfortunately Amex treats cards as cash looks like number was stolen at merchant ... I think it was the XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They charge me for annual membership I called and cancelled the card they said everything was okay the account was cancelled and the fee too so I had to destroyed the card and now they send me a new statement XXXX the charge y now they said they have a new policy and I have to pay Whitout using the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am in chapter XXXX bankruptcy in MN - XXXX. The office of XXXX XXXX XXXX and Midland Funding received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I purchased XXXX items from XXXX, the total price was {$33.00} and they denied that they used an old card. They say they used the card that was up to date, which is false, if they had, this problem would not have happened. I have a {$8000.00}. Limit and have a payment of {$170.00} due on XXXX/XXXX/2016, do n't know who put it on credit report, XXXX and all are on credit report, at once. Is there anything I can do to get them removed, my credit score went from XXXX to XXXX in a mighty swoop. I need some direction to get my credit score repaired. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX American Express Card # s ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with Amex in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with Amex to all 3 agencies, namely XXXX, XXXX and XXXX but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and Amex is reporting it improperly or credit agency do not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
My husband and I got a mortgage loan from Beneficial Mortgage Company XX/XX/XXXX. We bought credit life insurance coverage and have been paying a monthly premium for the insurance coverage since then. My husband died XX/XX/XXXX. I told Beneficial about this repeatedly and demanded information about the policy but they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had Amex Delta Sky Miles card and carried AMEX Cards since XX/XX/XXXX, with excellent credit On XXXX XXXX, I was one day late and charged with {$35.00} late fee ; request waiver. On XXXX XXXX, spoke to Amex supervisor, a combative lady ( XXXX ) and not customer oriented. We get into to words and I closed my account on XXXX/XXXX/XXXX. I paid all charges except late fee. 

. 
On XX/XX/XXXX I spoke to XXXX of Amex, she told me she would waive the charges since I am AMEX member since XX/XX/XXXX in good standing. 
AMEX STARTED HARASSING ME NOW On XX/XX/XXXX, Amex sent me a statement for {$27.00} ; it is for late fee & interest charges On XX/XX/XXXX, Amex sent another statement. New balance is {$55.00} ( Previous balance was {$27.00} plus another late fee on top of first late fee {$27.00} plus interest of {$0.00}. ) On XX/XX/XXXX, I called spoke to XXXX XXXX at AMEX XXXX office. She agreed to waive all late fees, and balance will be XXXX. I spoke to her Supervisor complimented her. 
On XX/XX/XXXX, Amex sent another statement. New balance is XXXX. ( Previous balance was XXXX ; plus another late fee on top of twoo other late fee of {$54.00} plus interest ) On XX/XX/XXXX, I called Amex, XXXX ( ID # XXXX ) agreed to investigate charges. 
I hereby request that AMEX should hold their word as their Supervisor says and waive the late fees on top of late fees. 
There is two issue here : 1. Amex is not customer friendly ; for one day charging late fees 2. Amex supervisors promise/word donor mean anything. There is extensive communication break and we Customers suffer. I have the names and dates I spoke to the Amex Supervisors, and no action taken to date. 
I wonder why Amex losing Customers and XXXX account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: GA

Complaint narrative:
I have been paying my loan servicer, Mohela, an extra amount each month to pay my loans off quicker. I sent them a letter directing their accounting department to apply money above and beyond the amount due on each loan to the principal of the loan with the smallest balance. Twice now they have misapplied funds and sent me past due notices in between statements. When incall about this they tell me it is impossible for their accounting department to keep my instructions and follow them. I think this is nonsense. Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XXXX/XXXXXX/XX/2015 MCM willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against MCM.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 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:
I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am a XXXX and in XX/XX/XXXX, I applied for and received an American Express Gold Card with no annual fee. In XX/XX/XXXX, I incorporated a second business and spoke to Amex who assured me that if I apply for and receive a second Gold Card, that only the new card will be charged the annual {$170.00} fee, while the original Gold Card will continue with no annual fee. So I have had the XXXX cards, XXXX for each business all these years. On this month 's statement ( XX/XX/XXXX ) for the original card, there now appears a {$170.00} fee. To my knowledge, I did not receive notification nor an alert that this annual fee of {$170.00} would now be charged and that Amex would no longer be honoring the original program I have had for the past 15 years. I called Customer Service and spoke to an agent, XXXX, for over 20 minutes who was not helpful at all, kept repeating over and over that I had been paying a {$95.00} annual fee ( which I had not ) and now I would have to pay {$170.00} and there was absolutely nothing she could do to change that, nor was there any supervisor or another dept. that I could speak to. XXXX said she could not look up any annual fee history for this card. Today I invested another hour, calling customer service, asked for a supervisor, put on hold again, spoke to XXXX the supervisor of customer service who said he would transfer me to their Membership Consulting Services, put on hold until XXXX answered, went through the whole story for a third time only to find out that she was in customer service & would transfer me to their Consulting Svrs, held again until XXXX came on. Explained the whole story again and learned that XXXX can only look back on 10 months of history & insisted that I had been paying a {$120.00} annual fee ( which I had not ). She also was not offering any assistance to the resolution of this problem. While she was speaking to me like I was a new business owner and did not understand my arrangements with Amex, the phone disconnected and she did not call me back, even though she knew she was the fourth person I had explained my story to and had my full account profile visible to her including my phone number. To make any customer invest so much time, be transferred to one person after another, and dodge any business solution with integrity is disrespectful and truly reflects that they do not appreciate customer loyalty, nor acknowledges their accountability when they make an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management , Inc. contacted me about a debt I do not owe. I never had any business with XXXX, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am not allowed to apply for credit cards with American Express. 

In 2007, I experienced long term unemployment due to the economic turndown. At that time, I was employed in the mortgage industry. After being laid off from XXXX jobs in a short period of time and my house in Florida losing about 65-75 % of its value, I suffered significant financial setback. I eventually had to file for bankruptcy. An American Express card was part of this bankruptcy. 

Now, 10 years after my financial setback and 5 years after my bankruptcy filing, I have rebuilt my financial life. I currently have salary income ( no more commission ) of XXXX a year plus XXXX in bonus income and another XXXX in deferred executive compensation. I have very little debt. 

I merely want to be able to apply for another American Express card. I do n't want any special qualifications. Accordingly, if I qualify on my current credit report and income, I want to be able to receive the card. If my current credit does n't qualify me, that 's fine. I just want an opportunity to fully apply and receive a decision. 

It is important to note that I recently filled out an application online and clicked " submit '' indicating that my application was being sent to American Express. I received a note that they would not consider my application ; however, I did not receive an adverse action notice as required by regulation B, 12 CFR 1002.9. Reading the disclosures I had to read when submitting the application, it was clear that I actually submitted and application that should have received an adverse action notice. 

Please just allow me to submit an application for credit and provide me an adverse action notice if I do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On XXXX XXXX, 2015, I contacted American Express regarding an interest charge assessed on XXXX XXXX, 2015 in the amount of {$260.00}. I requested a waiver and the customer service representative told me explicitly that the charge would be waived and would appear on my account within a few days. Despite this assurance, the credit has never been applied. I have called back several times and been unable to get resolution of this issue. 

On the same call, I asked the representative about a discrepancy between my statement balance and current balance to determine what amount I needed to pay to make an on-time full payment ( due that day ). For an unknown reason, my statement balance was approximately {$8000.00}, but my current balance was listed as approximately {$2000.00}. The online system would not allow me to pay the larger statement balance, and the representative told me that I should pay the current balance and no late charge would be assessed. I did this, and despite this assurance, American Express charged an interest payment of {$190.00} on XXXX XXXX, 2015. 

Since then, I have contacted American Express on several occasions to understand the discrepancy in balances and to ask for waiver of the XXXX interest charges. Despite lengthy waits and multiple conversations, I have never received any resolution. On multiple occasions I have been told that I would receive call backs that never occurred. 

I am concerned that American Express has ( 1 ) refused to honor a prior commitment to waive an interest payment, ( 2 ) applied an interest payment after I inquired about a discrepancy and was provided instruction about making payment to avoid an interest payment, and ( 3 ) has been unable to explain the discrepancy between the statement balance and current balance. As a consumer, I should have the right to rely on promises made by American Express and to obtain an explanation of unexplained issues relating to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
They call me at work pretty much every single day. When I am not there, they harass my boss asking her to tell them my working hours. She has told them she cant give them my work schedule, yet they persist and ask for it. They are very harassing. When I am at work, I am very very busy as is my boss. These repeated calls are harassing and interrupt my work as well as my co workers. I am getting in trouble because I get calls at work almost every day. I feel I may be close to getting fired for recieving constant calls at work. I have told them not to call me at work, but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a prepaid American express serve that I did not purchase or apply for. whomever did had all of my personal information. when I contacted amex serve they seemed to be protecting the criminal and were not helpful at all. I requested account closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY

Complaint narrative:
I have requested My Mortgage Company to start reporting my Payment History, After a Chapter XXXX Bankruptcy, which was discharged 2 years ago, they have not reported to the Credit Bureau, Now I am attempting to refinance this House at a much lower rate, but the Finance can not see my credit history on this house. I can not afford this house at the current payment, since I 'm now Divorced since XX/XX/2016. I 'm just wanting them to report this information so I can have this refinance to go through. HSBC has sent my report to me in paper form for the past 2 years, but the refinance company is requesting it be reported.

Company response to consumer: Closed with explanation