vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I need your agency help to dispute the charges on my American Express card done by XXXX XXXX XXXX. I was contacted by XXXX XXXX XXXX representatives initially on XXXX/XXXX/2015. They represented to me by phone and by email that they were located in Virginia and told me they had an extensive success record recovering money from each of the companies that I told them I had dealt with and very confident that they could win the cases with each one of them. Occasionally I had difficulty communicating with them, but eventually they always communicated successful results taking place in the process. Then I suddenly could not communicate with them at all. They left several cases partially represented and other cases got nowhere at all. The lack of complete follow through, communication, and assurance that all companies were properly brought cases against has cost me considerable time, energy, and money to try and rectify. I have since learned that they were not a Virginia firm, and that information was fraudulently represented to me. I have also noticed that with one of the companies in particular, that the paperwork- contract- they submitted to was tempered with, language changed, and misrepresented to the credit card company. This was an illegal representation of the truth, and as my representative compromises my personal and business integrity. I believe that their dishonesty, misrepresentations, and dropping of cases/lack of complete follow through may have cost me more than {$10000.00} of unresolved cases, specially because the older they get the more difficult it gets to get my money back. And I believe they strung me along, and now I would like to get my {$5600.00} refunded to me, since they did not provide the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On Sunday XXXX XXXX, 2015 @ XXXX I went to an ATM Machine at an XXXX XXXX bank in XXXX, Georgia XXXX to withdraw {$500.00}. The ATM did not dispense the cash! However the funds were taken off my card. I have been trying to get the funds back for a week now, but to no avail. I have tried with the bank and with American Express Serve prepaid card company! They keep telling me that there needs to be an investigation! A woman from the XXXX XXXX bank 's Risk Management department in California by the name of XXXX XXXX called American Express Serve Company and told them about the ATM machine not working and they still will not give me my money! This is very disgusting to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 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: TX

Complaint narrative:
Got a demand notice from Midland Credit Management. They have sent a notice that we owe {$170.00} from XXXX XXXX XXXX XXXX. This is not any kind of dept that we owe nor have we ever done any kind of business with XXXX XXXX XXXX XXXX. Looking online it is well known that MCM does this kind of scam. Federal government should take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I make bankruptcy i call the bank they say i dont have record the i dont owing anyone money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I applied for a home loan and found that Midland Funding had placed a collection account on my credit report without notifying me or giving me the opportunity to validate the debt. They also re-aged the debt. It was not incurred in 2014. It is past the statute of limitations and was charged off by the original creditor. It is uncollectible and Midland Funding is trying strong arm tactics and misleading info to force me to pay this even though I am legally not obligated to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
The time it takes to receive a lost or stolen card. I reported my card lost and it takes 7-10 days to receive a new card. I am on day 10 and have not received my new card. They have methods to help you get cash from the card, but but I have exhausted those methods such as card to card transfer - {$2500.00} limit ; they have a new system where you need the card to to use it to get the security code off the back. They do not have an expedite system for new cards like many of the other prepaid cards like XXXX. If I were am American Express holder, I would have gotten a new card within 24 hours. Al my bills that depend on my paycheck are behind, i.e. insurance, furniture bill, rent. I can not put gas in my car or food on my table because my funds are tied up in WAITING for a new card. I think this activity is criminal, I think if they are going to offer the service on a card, they should have an expedited method for lost or stolen cards. You call customer service some where in XXXX, they do not have any information they can offer. They have no power or permissions to do anything. It is a ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX I reviewed the suggestions on increasing my open credit accounts. Since I had only XXXX reported account ( I have little credit, to date have been a cash and carry ) and I was looking to expand per the suggestions on XXXX. American Express Blue was a suggestion for people like me. So I applied and lo and behold I was denied for too few accounts. I voiced my concern to American Express that they were advertising on a site for people like me then denying me for the very thing I applied to them for. This is a tragedy XXXX and American Express XXXX should be in sync for what they advertise as the product being touted to the consumer. Very dissatisfied and concerned. False advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
This was a secured card with a credit limit of XXXX which was not used. However after the card was closed now they 're reporting an outstanding balance that I do not owe. It was my money that originally secured the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In the letter dated XXXX XXXX, XXXX, American Express has informed me about the closure of the American Express Delta SkyPoints credit card effective XXXX XXXX, XXXX. This credit account was opened on XXXX XXXX, XXXX. 
This action, initiated by American Express, will negatively affect my credit score because of the two reasons : ( 1 ) closure of the existing account, and ( 2 ) decrease of the total amount of available credit. 
After speaking with American Express on XXXX XXXX, XXXX, I requested to transfer this account to a different credit card product to avoid the anticipated negative effect on my credit report. American Express declined and offered no solution. A formal complaint with American Express was filed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: GA

Complaint narrative:
I 've contact Midland Funding by letter, sent via XXXX certified mail, to obtain debt verification. XXXX refuses to respond by sending the information I requested, but continues to report this unverified debt to the credit bureaus. Upon researching, this is in violation of a XX/XX/XXXX XXXX obtained by the Consumer Financial Protection Bureau for XXXX to stop collecting debts that can not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Went to buy my son a car for his XXXX Birthday and they told me I had a XXXX score when I knew I had a XXXX score. 
Beknownst to me American Express had reported an account that was not one of my personal American Express accounts ( see attached ). 
Therefore I immediately contacted the credit bureaus and disputed this bogus XXXX delinquent/ in collection/ charged off, reported account. Then American Express responded to the credit bureaus dispute ... that not only that this XXXX account was accurately being reported but added another derogatory XXXX delinquent/ in collection/ charged off, reported account. XXXX, I 've had personal accounts with American Express since XXXX and NEVER been late with them let alone not paid them. Therefore please look at these XXXX accounts and how they are being reported. The obvious issues are as follows : # 1 = opening dates XXXX XXXX and XXXX XXXX, Lastly : # 2 = First reported dates XXXX XXXX and XXXX XXXX. So, for 10 and 8 years I 've never known or been reported to having these XXXX accounts, hmmmm????, enough said. PLEASE HELP! 
*This last week ... NEVER hearing from American Express about these XXXX bogus debts beside their reporting to my credit I received the " attached '' collection notice regarding that first XXXX derogatory account and again, " I 've never heard from American Express '' about these XXXX bogus accounts. I 'm truly perplexed especially because I have so much personal positive history with my legit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have been paying Beneficial Member HSBC Group for the last XXXX yearsand I am in the final year of payment. I just found out that BeneficialNEVER reported this to the Credit Bureau. Is this legal? I have nevermissed a payment nor been late. This is XXXX years that should have beenon my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Am Ex customer service is horrendous. I have been a member since XX/XX/XXXX and hate them. It took me from XX/XX/XXXX to XX/XX/XXXX to finally get someone to speak with me on a " late charge '' I incurred by paying my bill early. I spoke with XXXX XXXX on XX/XX/XXXX, she was very accommodating and removed all the charges AMERICAN EXPRESS added because I paid early and a supervisor would not call me back! She forgot to remove a {$5.00} interest fee ( just an over sight on her part ) so AMEX charged me {$27.00} interest fee on this. I pay my bill in full for 14 years now, and I pay too early and have been going through XXXX ever since. I called today to speak with XXXX like she said I could if there were any other problems. The initial operator refused to find her, so I spoke with XXXX who word for word stated " Its not american expresses fault you paid early and got a late fee! '' This can be verified as it was being recorded. He said THEY were generous enough to remove the late fees and interest accrued ( except XX/XX/XXXX, even tho they removed XX/XX/XXXX ) -THAT THEY CAUSED BECAUSE I CALLED 8 TIMES, AND POSTED ON HERE SEVERAL TIMES FROM XX/XX/XXXX TO XX/XX/XXXX TO SPEAK TO A SUPERVISOR!! XXXX has a supervisor but he told me NO ONE CAN EVER SPEAK WITH HIM! i ASK IF i COULD EMAIL HIM MY ISSUESXXXX REPLIED " NO YOU CAN NOT CONTACT HIM IN ANY WAY '' His name is XXXX XXXX, I would assume he is as much of a horse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 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: MS

Complaint narrative:
Company contacted me about debt which I disputed and requested validation on XX/XX/2015. The company never provided the validation of the debt. Instead they sent the case to an attorney 2 months later. I informed the attorney that the company was in violation because it was after 30 days and they did not provide any validation information and collection efforts should be ceased. No other contact was made, now they have filed a lawsuit of an account that was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX 2015 I made an online purchase using my American Express Serve Card. On XX/XX/XXXX,2015 I contacted the merchant explaining I did not receive all of the items and the items I did receive where melted. The merchant stated they would send my return labels to return the merchandise. I never heard from the merchant or received the return labels. I then contact American Express Serve to dispute the charges on my card. I emailed documents and a statement explaining what happened. I called to check the status and was told I would have to wait until XX/XX/XXXX 2015 to receive a provisional credit. I asked to speak to someone and they placed me on hold for over an hour to talk to a supervisor. Once the supervisor got on the phone she told me it was nothing she could do and I would have to wait until I get an email from the dispute department. I asked if I could speak with the dispute department and she stated no, they only communicate internally by email. I informed the supervisor this was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This matter deals with Capital One 's practices concerning automatic payment enrollment for their credit cards, which I believe violates the federal Equal Credit Opportunity Act and its accompanying regulation B, general fair lending principles, the Consumer Financial Protection Act 's prohibition on unfair, deceptive and abusive practices, FTC Section 5, the Fair Credit Reporting Act, and the Illinois Consumer Fraud Protection Act. 

As you can see from the class action I am prepared to file, attached to this letter, Capital One has told me a number of times that it restricts its enrollment in automatic payments to online only. Because of this restrictive practice, Cardholders who do not have internet access, or who can not or do not want to register for online activity, are deprived of the ability to make automatic payments. Cardholders who do not sign up for automatic payments are more likely to forget to make a payment, thereby incurring late fees and additional interest charges. Capital One in fact charges late fees when Cardholders do not make timely payments, and reports those late fees as part of the Cardholder 's balance to the major credit reporting agencies. I myself have incurred late fees and additional interest charges several times due to the fact that Capital One will not allow me to enroll in automatic payments via telephone. 

Capital One reports Cardholder balances to the XXXX major credit reporting agencies, inclusive of the late fees and additional interest charges incurred because they are unable to enroll in automatic payments. Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are disadvantaged by Capital One 's practice of limiting enrollment in automatic payments to online only, or alternatively, are disadvantaged by Capital One 's practice of misleading Cardholders into thinking that they can not enroll in automatic payments via telephone. 

As you know, Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are more likely to be elderly, lower income, minorities or active military. I believe Capital One 's practice of restricting automatic payments to online access only has a discriminatory effect on members of protected classes under the Equal Credit Opportunity Act. 

To the extent Capital One does allow telephone enrollment in automatic payments, its practice of telling Cardholders that enrollment is limited to internet only is false, misleading, and designed to force Cardholders to incur late fees and additional interest charges, in violation of the Consumer Financial Protection Act and Section 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I deposited a check using their American Express Serve mobile app on XXXX XXXX, 2015 and it said that the check will clear in XXXX business days. When I logged into my account on the XXXX business day the money was not available, I called American Express Serve to let them know the money was not available and the transferred me to a XXXX party company called XXXX. XXXX told me that the check was approved and it was up to American Express Serve to make the funds available. I called back American Express Serve to tell them what XXXX said to me and I got the run around, rude and sarcastic answers from the rep. I do n't understand why my money is not available to me since the check was cleared. I am counting on that money to put gas in my car to go to work and buy groceries now I am without money today.

Company response to consumer: Closed with monetary relief