vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I previously sent American Express a letter stating that I had extenuating financial circumstances regarding paying my account back in full and sent a letter back in XXXX stating that I can pay XXXXmth and sent a signed letter to the following fax # ... ... I did not receive any indication from them that they will charge me {$110.00} per month in late charges. It is as if this a retailiatory tactic being utilized to hinder me from lowering the amount due. I explained that my family is experiencing a financial and economic hardship and recently my youngest sister was hospitalized for 34 days in the hospital due to a XXXX and a XXXX XXXX XXXX XXXX. I am requesting assistance on the late fees as I have been paying {$100.00} per month on the account and had previously requested the option to pay over time before the closed the account back in XXXX based on some retailiation with my mother utilizing the account who also raised concerns to CFPB on another Amex account matter as an authorized user. We are experiencing a very difficult time financially as a family and I am requesting assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express ( AmExp ) invitation letter asking me to open an AmExp Premier Gold Card in XXXX 2015. The invitation stated that XXXX bonus member reward points will be granted after spending {$1000.00} in the first three month. I called to apply the Gold card and submitted my invitation code that was printed on the invitation letter on XXXX XXXX, 2015. It was communicated clearly on the recorded phone line during the application. 

I made more than {$1000.00} eligible purchases on the card and paid in full on time by XXXX XXXX, 2015. As today, I did not find the XXXX bonus reward points posted in my account. I contacted AmExp customer service, shockingly to me that AmExp had CHANGED the terms of my contract and XXXX points would NOT granted to me. Because they were unable to find both the marketing letter sent to me and my application phone record. 

I was very upset of this finding. I believe that AmExp breached the contract with me and their marketing technique was deceptive and overstated the benefits. Being an AmExp credit card holder for more than 30 years with XXXX FICO scores, my trust to AmExp was broken. I stopped using this card. I contacted my legal adviser for this matter. 

I requested XXXX to investigate my case again. if unsolved, legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The company called and spoke to the receptionist. They asked for my last XXXX SSN and informed the receptionist they were calling to verify employment for debt collection. My fellow co-workers did not and should not know of my current financial status. It has also damaged my reputation in this brand new position in this new job. I do not think informing my co-worker that they are calling to collect debt not asking for her to reveal my SSN ( which as a regular co-worker she does not have access to ) is appropriate or legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MCM continues to report this account to credit bureus as open and continues to report an amount that continues to rise each time. They have not yet validated this account or amount when asked through letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have XXXX accounts with AMEX, I sent a payment to the wrong account and called to have it transferred to the right one. AMEX debited the wrong account and never credited the right one so the cash essentially disappeared ( concerning I had to catch this and not them ). The first time I called to fix the problem the result was they credited the right account but again debited the wrong one. So I was double debited in one of the accounts. I have contacted them multiple times and they still have not resolved this issue. I am also concerned with the integrity of their payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I PURCHASED AND NEW XXXX IN 2014 FROM XXXX STARTED HAVING ISSUES WITH THE CAR IN LESS THAN 3 MONTHS TOOK THE CAR HAD TO GO BEFORE THE STATE OF GA PANEL AND THE CAR WAS FOUND A LEMON XXXX TOYOTA FINANCIAL ALSO KNOWN AS/XXXX HAD REPOTED ME AS LATE WILL NOT REMOVE FROM MY CREDIT. I HAVE CALLED THEM SPOKE WITH SEVERAL PEOPLE STILL WILL NOT REMOVE. SAID THE MARKS WILL STAND I TOLD THEM THAT THEIR CORP OFFICE TOLD ME THAT ALL WOULD BE HANDLED LATER FIND OUT IT WAS REPORTED NO ONE EVER TOLD ME THIS WOULD HAPPEN. I AM SO NOT HAPPY WITH THIS CO. DOCUEMNTS SHOW CAR DEEM A LEMON. BUT STILL THEY WILL NOT REMOVE THE MARKS I FELT WHY SHOULD I PAY FOR SOMETHING THAT WAS NO GOOD THEY KNEW THIS. SO THE MISCOMUNCATION WAS I FELT I SHOULD NOT BE PAYING FOR A LEMON ALSO WAS TOLD THEY WERE TO GIVE ME A NEW LOAN BUTPAYMENT WOULD STAY THE SAME THIS DID NOT HAPPEN. THEY CHANGES THE VEN NUMBER ON THE LOAN TO THE NEW CAR. WHICH I DID NOT KNOW ABOUT UNTIL THE LAST MINUTE. ALSO THE PAYMENTS STAYED THE SAME PER CORP REP FROM XXXX. SO IT WAS MESSED UP FROM THE START. THEY SHOULD HAVE SHOWN THE OLD LOAN PAYED AND CLOSED BUT DID NOT.PLEASE HELP I AM TRYING TO GET THE LATE PAYMENT REMOVED FROM MY CREDIT REPORT. 
THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
original account number was charged in a Chapter XXXX bankruptcy in XX/XX/XXXX Wa DOc # XXXX, then again in XX/XX/XXXX Wa DOc # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have/had a credit card with American Express for a long time. They bill me using my email address. They changed something and the bills went into my trash and I did not see them. After two month they called about the bill and I paid the bill at the same time they wanted a additional XXXX dollars for me t to keep the credit card when they are offering the same card for free. I declined the XXXX dollar fee and elected to discontinue. I had many years of points ( which are like money ) which after XXXX or XXXX customer service representatives telling me I could get them finally said I could not get them because I was behind in my payments which was their fault. What can I do to get my points?

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

Complaint narrative:
on XXXX XX/XX/2015, i have noticed that American Express has been reporting inaccurate billing information on my credit report. I am disputing a amount of XXXX, the company is reporting 30-90 days late on my credit report for which I have no knowledge of. I have contacted the company and the company is still reporting a balance that is under investigation. By law the company is not suppose to report a dispute amount on a person credit report untill the investigation is fully been resolved. The company did not address the problem. I told this company that I have no knowledge of the balance and no knowlegde of where they are collecting a payment from. I told american Express that I do have a fraud alert on my credit report and that the company should have called me, but the number that the company provided does not match the number as of now. This company had someone to open an account in my name and is affecting my credit negatively. This company is engaging in identity theft and fraud. I am asking this company to stop reporting negatively on my credit report untill the disputed amount is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: TX

Complaint narrative:
I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to Midland Funding XX/XX/XXXX. Since this account was paid in full XX/XX/XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with Midland Funding showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and Midland funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This complaint is in regards to the XXXX XXXX Costco credit card migration to Citibank Visa credit card. My card was not ported to Citibank Visa. Several months ago I took a call from an XXXX XXXX representative who asked if I wanted the new XXXX card or be migrated to Costco. I was very clear, directing that I do NOT want a new XXXX card and to migrate the account. No further information or contact was exchanged - until the new XXXX card was received in early XXXX. I did not activate the card, as per ALL of the Citibank and Costco communications expressly stated that ALL XXXX Costco cards were to be migrated to Citibank. All communications stated very clearly that XXXX Costco card holder would not need to do anything, and that a credit review would Not be performed. 
When the new Citibank Visa card was not received, I called Citibank on XXXX and was told that Citibank will not have XXXX account information until XXXX - and " do n't worry, you will get the card ''. When the card was not received, I called Citibank on XXXX. I spoke to a representative and a supervisor and was told that not all XXXX accounts were ported and to call XXXX XXXX. Citibank informed that not all accounts were ported and that I would have to apply for a new card. I called XXXX XXXX and spoke to a representative and a supervisor. I was again informed that not all accounts were migrated. I was also told that XXXX XXXX sent XXXX letters in XXXX ( 5 days apart ) informing that my account would not be migrated. Neither letter was received - although miraculously the new cards were received. XXXX XXXX would not tell me WHY my account was selected to not be migrated - only that they used internal criteria. 
I am extremely angry : - This is deceptive advertising. Every communication provided by Citibank and Costco stated that EVERY account would be migrated, and no credit reviews would be done. Absolutely nothing indicated that some accounts would be selected for exclusion. 
- XXXX XXXX ' actions are discriminatory and appear illegal. 
o They selected individual accounts to not migrate and will not share the criteria with the account owner. It is due to being an older American? A higher income level? Female? 
o Contrary to their claims, XXXX XXXX did not provide communication of their actions. In fact, they did not adhere to my direction to migrate as provided to their representative. 
- Why should my I need to apply for a new card and incur a credit pull, when most accounts do not? It is discrimination to apply different rules - which are NOT communicated. XXXX XXXX decide who is impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
They contacted me at my place of work which is highly unethical and against the FDCPA in NJ. The name of the company contacted was Transworld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor. 
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I can not belief that America express denied there loyal customer an increase obase on there credit score, credit score go up and down we have XXXX America express account and never being late on any of our account. but I can see that they did not denied that membership XXXX per year .just week ago they drop our credit to a XXXX dollar just about of a score that drop but ask us to send in our finical information and once they evaluation. then they put back up to XXXX on all the account it so unfair to be denied credit increase just because we are XXXX XXXX XXXX they think that you y can pay you bill but ask them how many navigation in our credit history report. never missed any payment never being late on time with all my credit account balance sheet good and they once to deened my credit increase how about denied membership that they charger the public. it unfair to the XXXX XXXX people now I want a XXXX increase basis because I.am qualify to have it. and let be clear about it. if I do not it just take. but they no I will pay it because like before I always pay any statement that that came in my mail box came in my plus the XXXX membership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 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: NV

Complaint narrative:
Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 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: WA

Complaint narrative:
I have been talking to this company for two years telling them thet it is not my debt they have even admitted on the phone it is not my debt but i still had to pay it. And after doing further research on this debt i have found this company to be violating the fair debt colection practice and XXXX stateLaw ors XXXX which states that a collection agency after 6 years can not take a person to court a file any. Our file any court case. And since acording to them this is a card from XXXX. This company has also file false court document to XXXX county statting that a garshment placed on my checking account did not produce money that is a lie my bank sent them a check for XXXX. Also even thought they have know that i live in the state of XXXX for the last XXXX years they still file all documents in XXXX county in XXXX and on most paper work they try and put XXXX XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XXXX XXXX, I signed up for a Gold Delta SkyMiles credit card due to the promotional offer of XXXX Delta miles when spending {$1000.00} within 3 months. At some point in XXXX ( approximately XXXX ), when activating the card, I called and spoke with an agent who verified with me that I was in fact eligible for this bonus. The bonus was the reason I activated and used the card. If I were told there would be no bonus, I would never have used the card. Around XXXX XXXX, upon completing the minimum spend, I spoke with an agent who said that I had completed the requirements for the XXXX miles and stated it may take up to 6 weeks to receive the miles. Around XXXX XXXX, I had still not received the miles, so I again called and spoke with an agent, who again reiterated that I had earned the miles and that processing them may take some time. On or around XXXX/XXXX/XXXX, I did a chat on American Express 's website with XXXX, a supervisor, who told me that I was not actually eligible for the promotion ( despite what XXXX employees had previously told me ) but that they would conduct an investigation ( case XXXX ). I did not hear anything so in XXXX I did another online chat with an American Express agent, who said the case was still pending. I have still not heard back from American Express and the XXXX miles have not been deposited into my Delta frequent flyer account. 

The only reason I signed up for this card was to receive the bonus, and I was told I would receive the bonus by American Express employees - three times, no less - including before ever using the card. It 's time for American Express to live up to its promises and give me the XXXX miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: MD

Complaint narrative:
Midland credit management, Inc. ( MCM ) is a debt collection agency that states that i owe XXXX {$810.00}. This debt that i supposedly owe according to their records is false. This information has never appeared on my credit history or credit reports and I 've never had XXXX service, ever in my lifetime.

Company response to consumer: Closed with non-monetary relief