vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Purchased, funded and registered American Express Serve ( prepaid ) debit card on XXXX/XXXX/2015. Received permanent card with my name embossed on or about XXXX/XXXX/2015. Attempted to transfer balance electronically and was unable to do so. Spent XXXX minutes on phone with customer service rep.Was told could not locate temporary card number by name. Called back the following day after locating temp card and was told they could not transfer balance to permanent card because I already had a card.After spending XXXX minutes over two days on the phone, requested account be closed and balance refunded. Told have a check in 7 days. Sent demand letter on XXXX/XXXX/2015. Received letter ( no check ) on XX/XX/2015 dated XXXX/XXXX/2015 giving me ten days to respond with requested dox or my case would be closed Responded to request via US Postal Service on XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I applied american express platinum credit card on XXXX XXXX 2016 for an offer which is XXXX reward points after spent {$3000.00} in first 3 months, which I did and received the XXXX reward points on XXXX XXXX. On XXXX XXXX, I converted my AMX platinum credit card to the AMX green card. When I was doing the conversion, the representative never told me the change would lead to the disappearance of the XXXX reward points. I actually asked the presentative, if I would still keep the points if I do the change, and he told me yes, my rewards points will be safe. Recently, I just noticed that my reward points in my account is gone. On XXXX XXXX, they took away XXXX reward points which I earned with no question. 
First, I met all the requirement for obtaining the XXXX reward points. No question about that. I will attach a summary of my card activity. 
Second, when I was doing the conversion from platinum to green card, I was never told this change will make the XXXX points gone. If I was aware of that, I would never conduct the conversion. 
All in all, I just feel it 's extremely unfair that AMX just took away XXXX points from me for nothing I did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent certified letters to debt collector to validate these XXXX debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. XXXX, XXXX and XXXX.This debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The annual fee of the AMEX Gold card keeps increasing XXXX $ year-by-year. Although I know it is a choice and, supposedly, we get informed for any increase, this is outrageous. So you end up paying every year paying the fee, as if you cancel the card, you lose all the reward points that you have collected so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the American Express Platinum card with a XXXX Membership Reward point offer if I spent {$3000.00} in the first 90 days. Application date XXXX/XXXX/16. 

I spent a total of {$3200.00} on the card excluding the annual fee that I paid and met the bonus requirements. The XXXX point bonus was posted to my account on XXXX/XXXX/16. 

In XXXX, I was reviewing my personal finances and decided that I wanted to eliminate some expenses if possible. I decided to reduce my credit card annual fees, but I wanted to stay at American Express for my credit card needs. I cancelled my American Express Platinum card and instead opened a American Express Everyday card. To this day, I am using my American Express Everyday card as my primary spending card. 

On XXXX/XXXX/16, the XXXX Membership Reward points were deleted from my account without any explanation. I only noticed this when I logged into my account. 

Upon calling to resolve the issue, which I assumed was an error, I was routed to many different representatives and told that I cancelled the credit card and therefore forfeit the bonus ( which is clearly not a part of the offer that I had applied for ). I tried my best to work with American Express on this issue, however there was no resolution. 

I met every condition of the terms and conditions for the XXXX point bonus. I held the American Express Platinum card for almost 4 months before deciding if I really wanted to keep the card, including 30+ days after the award was granted. During this time, I paid {$110.00} in annual fees in the card. 

If I 'm unable to get the XXXX points restored to my Membership Rewards account, I 'm willing to continue with Arbitration on this issue as it is clear that I have been unfairly mistreated. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: CO

Complaint narrative:
Midland Funding LLC filed lawsuit to collect debt, but did not attach any proof that they can sue for debt when they filed the lawsuit. 

Additionally they violated XXXX CONSENT ORDER, Section XXXX, Subsection a, b, c & d. Section XXXX, Subsection a ; XXXX, XXXX, XXXX, XXXX. 

The lawyer repeatedly telling me I would have to pay all fees if I elect my right to consumer arbitration & lose & that I would be acting in bad faith if I do elect my right for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On my American Express credit card ending with XXXX, there was a credit balance ( due to refund of earlier spending ) of {$180.00}. On XX/XX/2016 ( as shown in the statement ), Amex sent me a check of the amount of {$180.00}, without my request. I deposit this check to my XXXX saving account ( ending with XXXX ) on XX/XX/2016. On XX/XX/2016, XXXX notified me that the check was returned by American Express ( Reason : Refer to maker ), and I have to contact check issuer ( American Express in this case ). There was a fine of {$12.00} due the returned check by XXXX. 
I started to contact Amex. I talked to XXXX Amex presentative and escalated to a supervisor on around XX/XX/2016 and the supervisor promised me that Amex will send me a new check after investigation. 
On XX/XX/2016, I received an Amex account online notification stating " Our investigation shows that the check was paid on XX/XX/2016 '' and I have to call Amex immediately. I called Amex again and talked to supervisor XXXX ( Amex employee # XXXX ). XXXX promised me Amex will credit {$180.00} to my credit card account as the solution within 2 days. 3 days later ( XX/XX/2016 ), instead of receiving the credit, I received second Amex online notification which is exact the same as the first notification ( the check has been paid ). I called Amex and talked to the third supervisor XXXX. XXXX promised again will issue me the credit after internal investigation within 7 days and will call me regarding the investigation result. However I did not receive any call and did not see the credit either. Instead, on XX/XX/2016 I received the XXXX Amex notification saying that the check has been paid. I talked to the XXXX Amex supervisor XXXX ( Amex employee # XXXX ) and XXXX request me to send the documents ( XXXX account activity and returned check image on XXXX ). I faxed the documents to Amex fax number XXXX. 
On XX/XX/2016, I initiated a 3-way conversation with XXXX and Amex ( My earlier request to have a XXXX way conversation was declined by Amex supervisors, as they promised it is not necessary ). This time I talked to XXXX Supervisor XXXX XXXX and Amex Supervisor XXXX ( Amex XXXX # XXXX ) at the same time. XXXX insisted the check was returned, and Amex insisted the check was paid. At the end XXXX supervisor XXXX said she opened an urgent case with XXXX ( case # XXXX ), and a special team member with call me on XX/XX/2016. Amex supervisor XXXX said he reopened previously closed case ( case # XXXX ) for further investigation and will also call me on XX/XX/2016. 
On XX/XX/2016, I did not receive phone call regarding the status from either XXXX or American Express. 
During the process I spent more than 3 hours with Amex and XXXX ( talked to XXXX Amex supervisors and XXXX XXXX Supervisor ), and still did not see any solution or even received the promised status phone calls. 
Amex case # XXXX XXXX case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I lost my wallet on XXXX/XXXX/2016 and called Bluebird by American Express. They stated that XXXX ( XXXX ) charges had been made using the card for {$300.00}, XXXX and XXXX. Once the transactions posted on XXXX/XXXX/2016 I called back to dispute the charges. I filled out and submitted the dispute form on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they informed me via email that they had concluded the investigation and I was due no money back for the {$300.00} & XXXX. At this time I contacted BlueBird as it stated at the bottom of the mail. After an hour, a Supervisor told me that they could not tell me how they determine the outcome or what information they had. I was told the information was " proprietary '' and " confidential '', I was also told that the people who make these decisions " have no phones '' and there was " no way to contact them ''. On XXXX/XXXX/2016 I was told that they had finished the investigation on the {$500.00} and again I was owed no money. Again the email from the bank stated to call them for the documentation they used to make the decision and again I was told that I was not allowed to see the information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
try this email address XXXXXXXXXXXX approx, how many times have you been at a restaurant? or any other situation where aomeone other then yourself had access to your credit card could hypothetically written all your info or ordered something via the phone, where someone has access to all your info regarding credit care and address info? why is it when you go to a restaurant to eat, the restaurant keeps a copy of your signed receipt? what is the point of a debit card being so? 
do you know when you call american express, when youre on hold, the computer generated voice goes, as a amex card holder, you are not responsible for any charged that you have on your bill.for what seems like six months american express isnt holding up to their part of the deal. i am sending the original letters to amex ceo and copies to president obama and you guys. who is " XXXX '' in salt lake ut ... they wrote with a lettetheas of american express global banking ref : XXXX basically their is no signature, theur is no debit card number password. 
XXXX just charges and got no signature or no verification wheres the ip address? 
but neither i nor the other card holder authorized this charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld System Inc. is continuing to try to collect a debt my insurance company and myself have paid. I sent them the receipts of payment, and they send more letters saying I have not argued the debt so it is valid. I can not use their online system as they have not sent an access code. The debt is invalid and they keep mailing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was attending career point college and it close down due to mishandling federal funds. while i was attending i took out additional private loan to help me pay for school, i was issued stipend checks monthly to pay with .every since the school closed down i have n't received a check ... i did n't take all of the classes that was accounted for. i hopefully you all can help me lower or dispute this private loan. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Sullivan Asset Management, LLC
State: LA

Complaint narrative:
XXXX XXXX of XXXX calling me daily and calling my relatives and threating me with supenoeas and legal action about a past debt. They have called me and my relatives mutlitples times. They need to stop and just send me complete documentation of the debt and what i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a copy of XXXX credit report recently and it shows that MIDLAND CREDIT MANAGEMENT INC has pulled my report on XXXX/XXXX/2015 without my permission. I had no business relationship with them nor they are my creditor. I believe they have violated my privacy and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FM

Complaint narrative:
I have several accounts in closed status which I did not closed. XXXX is XXXX XXXX, an account open in which was open on XXXX XXXX, 2007 and after calling XXXX, XXXX branch at phone number XXXX, she states that they have no record of who closed the account and can not help me in any way. My credit report is showing these accounts in closed status in which I never closed. 
I am a victim of identity theft and these accounts are effecting my credit score. They do n't want to write a letter taking this account of my record, nor opening my account again. I had great standing with them and never owned them any funds. This needs to be corrected, open, or cleared. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have been a loyal customer of XXXX XXXX for a very long time. When we received the last statement and reviewed the summary it appeared to be incorrect. It appeared to rebill a payment made against the prior statement that was paid in full. The amount in question is {$330.00} for the balance due for the XXXX 2015 statement which had been paid in full. 
Assuming the payment/credits and new charges amounts were correct then the current statement was over stated by the amount of the previous period payment that was made. Thus, instead of a new balance due of {$650.00} it would be {$310.00}. 
However, if you apply the standard accounting practice of calculating charges less any credits to identify a balance for all the charges and credits on the statement without dealing with any prior payments made or your payment in full and pay over time sub accounts you get the following : Audited Charges on Statement Agreed to = {$2100.00} Less credits shown on statement ( not incl. any previous payments = ( {$1900.00} ) Balance due {$240.00} I have tried to reconcile this issue with XXXX XXXX through written and phone communication however ; to date, XXXX XXXX personal whom I have tried to discuss this issue with have not been willing to go over the detailed math with me, have deferred the issue to someone else with no follow-up and have threatened me with fees and to report me to the credit agencies if I do n't agree. 

I would not expect this treatment from XXXX XXXX. It brings into play questions regarding reasonable customer service, a resolution process that is fair and timely, trust, ethical conduct and my consumer protection against a large overbearing company that will not reasonably resolve issues without threatening a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
my problems with phh mortgage corporation started over a year ago with them not being able to process late payments in a timely manner, giving me incorrect information on what was do and when, accepting phone payments that should have been credited to my account to then turn around and say sorry we sent a check back to you the XXXX check took 2 months to be returned to me the XXXX time it happened it took 4 months after them telling me on a monthly basis it was resubmitted and I should receive it soon. during this terrible time of dealing with their customer service and all the inaccurate information received from them I found my home in a active foreclosure status. in XXXX with the help of the great people at the Minnesota XXXX I was able to make a large payment to phh mortgage corporation that according to their customer service rep put my account completely up to date and that my next payment was due in febuary.even though my payment was much larger then what was due even after late fees were removed ect. I have requested a actual breakdown of what they credited the money towards but have not yet received a response. if it was not for the Minnesota XXXX contacting phh mortgage on my behalf none of this mess would have had a positive outcome. but my struggle with them is not over when I received my bill for febuary it was double what my normal monthly payment should be.i then discovered back in XXXX when I informed phh mortgage corporation that I was paying my property taxes myself the customer service rep told me not to do so I am sure what happened is they were planning to foreclose on the house so they paid everything because it served their needs best.i was given a phone number to liason to the president of XXXX mortgage who uses phh mortgage as their servicing agent to call her if I have any more problems, i have left her XXXX messages in the past 3 weeks and received no response. I do not trust them when customer service tells you different that what comes in the mail, when they tell you your account is current and up to date but its not, they tell you a check is in the mail and it takes 4 months to arrive and your given a number to contact to help make things right and she answers and never responds to a message

Company response to consumer: Closed with explanation