vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express sent an offer for a XXXX Card in the mail with free first year and XXXX rewards points if I spend {$1000.00} in first three months. I am a current Green Card account holder and when I called to take them up on the offer, American Express indicated that I would not be eligible for the promotional rewards points. Nowhere is this disclosed in the advertisement. This is an absolutely deceptive practice, particularly considering they mailed me the offer, to my home, which is the address of record on the XXXX Card account I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have a debt from 2008. Asset acceptance LLC bought it and I never knew this. I received a wage garnishment from my employer in the mail. I have never received anything, no phone call, no letter, nothing from them about this debt. I think I should have received something from them before I was hit with the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Keep getting non stop repeated calls from this debt collector known as Midland Credit Management. They call at all hours of the day and night, every day of the week. I do not know who these people are, they leave no messages. It 's very hard to block the phone number because they cycle the numbers meaning they call from a different XXXX or XXXX number each time. My credit reports does not show any negative marks from a Midland Credit. They seem to be trying to collect on an old debt that is beyond the statute of limitations or they be scam artists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 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: MI

Complaint narrative:
i dont know where all this debt came from i dont own that much of money i know i own debt but that 's too much And these keep reporting to my credit know when i try to get credit card they denied me because of that. i am trying to build up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This credit card was opened in XXXX with XXXX bank Delaware. This is a credit card I could not make payments on. On XXXX XXXX I made my last payment toward this loan. On XXXX XXXX they started to try to collect this debt and put negative information on my credit report. On XXXX XXXX XXXX sent this account to Midland funding llc for them to collect. They XXXX are still reporting this negative information on my credit reports. Its been well over 7 years from the default. I have contacted them my phone and mail asking them to up date or remove this from my credit report. They just continue to report this information. They also try to contact me by phone for collection purposes. See attached for proof of over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I RECENTLY applied for American Express Business Gold Rewards Card via a WELCOME offer that i got in my Online Account at www.americanexpress.com. THE Offer was to get XXXX Membership Reward Points as Welcome Bonus after spending {$5000.00} within 3 months of account opening. ( I had this same card once in the past, and i had closed the account in 2013 ) American Express has a policy that " Welcome bonus offer not available to applicants who have or have had this product '' THIS IS MENTIONED ON THEIR OFFER TERMS. 

HOWEVER, MY OFFER TERMS Did not have this LANGUAGE Restriction anywhere which said that " Welcome bonus offer not available to applicants who have or have had this product '' I have printed the Offer Terms of my welcome offer as proof and am attaching BOTH the WELCOME OFFER PAGE AND OFFER Terms Pages to you as proof. Nowhere in my Offer terms it is mentioned that " Welcome bonus offer not available to applicants who have or have had this product '' I have also faxed/mailed my Offer Terms of my welcome offer which did not mention anywhere that I am not eligible to get this XXXX points since i had this card in the past, to American express customer service, however they are refusing to Honor my Bonus promotion offer saying since i had this card in past, they can not give me the Bonus 2nd time. 
I want your intervention in this matter and make American Express honor my promotion since my offer terms for the card i applied for and am approved, does not have ANY LANGUAGE RESTRICTION OR CLAUSE THAT SAYS " Welcome bonus offer not available to applicants who have or have had this product '' I know of a few people who have got this promotion 2 to 4 times for this same card as their offers that they had received did also not have this Clause restriction 'Welcome bonus offer not available to applicants who have or have had this product ' mentioned on their offers. 

So if other customers who did not have such offer restrictions have gotten this bonus promotion more than one times, why can not This company honor my promotion as my offer terms for this offer also did not mention any such language that states " Welcome bonus offer not available to applicants who have or have had this product '' I am sending both my welcome offer and OFFER TERMS to you as Proof, as all these pages ( my application offer page and offer Terms '' show the proof that there is no mentioning of the Language/Clause/Restriction " Welcome bonus offer not available to applicants who have or have had this product '' anywhere on my Offer i received from American Express company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
DEBT WAS SETTLED IN FULL ON XX/XX/2013. LETTER OF SETTLEMENT OBTAINED. 

Improper contact and sharing confidential information with people who are not affiliated with me in any business or financial or professional capacity. 

Threatening to take legal action and improperly contacting and sharing this threat with people who are affiliated with me in any business or financial or professional capacity. 

I had received NO prior written information OR phone messages prior to various friends and/or acquaintances with similar names contacting me with this information. 

XXXX XXXX XXXX Debt Collectors Employee XXXX XXXX illegally contacted people other than myself, slandered and lied about my financial obligations to people other than myself. 
XXXX XXXX XXXX Case # XXXX. 

When I advised her that I had already settled the debt and pointed out that she and her firm has broken several privacy laws, her response that was I had provide that letter AND be prepared to present the letter for many years to come as her firm would also be " bundling and selling '' this debt back to the market place. 

I told her I would be providing a copy of the Letter of Settlement to her and that it was only file with various credit reporting repositories. 

This firm needs to be severely reprimanded and fined for their actions. 

LETTER OF SETTLEMENT WILL BE ATTACHED TO THIS COMPLAINT, IF POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a long time American Express credit card member. On XXXX XXXX, 2015. I received an American express Delta Sky Miles Offer Credit Card. The outside envelope has My Name and Address printed. Inside the letter, it has credit card offer for another individual with promotional code and address printed on the offer letter. I have other customer 's name, address and credit card invite code. This is not only exposed the other customer 's private information and may cause an identity leak. I also want to find out who has my credit card invite.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express contacted my work after I had asked them not to call my work number as I am not allowed to receive those calls at work. They called the main line and then informed my assistant that they were AMEX looking for me. I had asked them already to remove my work number several months before that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
While reviewing my XXXX credit report of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, I discovered that AMERICAN EXPRESS employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not at any time relevant period authorize or consent for this review by the employees of AMEX. I request that AMEX provide me with any hard/verifiable evidence of my consent to this review. To this extent, absent my authorization, AMEX employees action ( s ) constitute a clear violation of my Privacy Rights and FCRA Section 1681 b ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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: OH

Complaint narrative:
I have an account in collections on my credit report and the debt is not mine. I contacted this company to resolve the issue but im told to take it up with the credit bureau. I was never contacted by mail or telephone prior to them reporting the debt to the credit bureau. I tried to send a certified letter of validation of this debt to the address listed on my credit report but the letter was undelivered according to the post office.I tried several times to get this issue resolved but no one that i speak with seem to want to help me. I found out that the debt belongs to my daughter who is an adult and at that point i was told that this debt is a mistake. I dont believe its a mistake because there is no account to be found under my name. The way that this company finds me is under my daughter name which they have listed as the account primary holder. They clearly got the invoice from the original creditor with the person that need be pursued. I have a copy of the exact invoice and my name appears no where. I believe the went beyond the scope of the invoice to implicate me and thats not legal either. Even if it was a common mistake they should be more willing than they are to resolve the issue. I feel that this company needs to be reported. I attempted to resolve this matter several times and im still getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I have had ongoing issues with HFC and they remain unresolved : 1. I am on a approved temporary modification and applied for a permanent modification. I have been denied even after my appeal. The reason HFC gives is my income is too high. It is the same income that they used to approve my modification in XXXX. I followed the appeal process and asked for the real reasons for denial. I was provided nothing! Just the same baseless reason of income. 
2. I requested on XXXX XXXX, XXXX a complete printout of my payment history since the inception of my loan. I requested this as I was to see how my payments have been applied. I have over {$15000.00} in deferred interest and I want to verify how that balance came to be so high. I have still as of today not received my payment history request. I have made this same request of other lenders and they provide the request within a few days with no issue. 
3. I received in the mail the other day a corrected XXXX Interest statement form from HFC. This is XXXX XXXX and they send me a corrected interest statement stating " NO INTEREST PAID IN XXXX. '' How could I have paid no interest? I am on a loan modification with a 2 % interest rate. My payments were spread between interest and principal. I have already filed my taxes and now out of the blue I get a corrected XXXX? There is no letter or explanation for this corrected tax form. 
4. Since I requested the payment history once again my account is locked. I ca n't see what I owe. I have not received a bill for XXXX XXXX. I do n't understand why when I request something my account is instantly locked? I have received no phone calls and still after 74 days not a simple payment history. I am requesting the payment history so I can have it reviewed by a professional. I do not trust that HFC has acted in a honest manner with my account. If there was nothing to be found then why does it take 74 days and counting for a payment history? Why do I receive in the mail a corrected XXXX? 
5. I have not received a bill from HFC for this month ( XXXX XXXX ). My account is locked so I ca n't view the bill and no bill has been mailed? 
6. Every dealing I have had with HFC/Beneficial/HSBC or whoever they are has been just like this. They appear to be able to do whatever they please with no regard for the consumer and what it is like to be on the receiving end of this constant, never ending harassment. 
I trust that eventually my cries for justice will be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had XXXX XXXX ( Credit Protection through American Express ) for years but decided to cancel on XXXX/XXXX/2017. On XXXX/XXXX/2017, I experience a complete theft of my identity that includes Social Security #, Name, Address, Phone #, All current Credit Card Numbers and personal data attached ( but not the Credit Card Security Codes on the card ). I find this highly suspicious given that I am careful with my information and it was a complete theft of my identity across multiple credit card companies. I alerted XXXX who tried to encourage me to re-enroll in their service. While I do n't believe this is an organized tactic by XXXX, I believe their data has been compromised and they would not take my concerns seriously ( since I canceled my account ). The credit report information that they and the credit agencies have access to is the only place I can think of where this information is readily available in XXXX location, to be stolen all at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AK

Complaint narrative:
My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. 
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. 
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. 
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Finance is suing me for a debt I do not owe. They are out of compliance with the Dodd Frank CONSENT ORDER & FDCPA. Midland called excessively and harassed my family and myself repeatedly. They refuse to validate the debt in question, they have no account level documentation showing any use of the alleged credit card, and they used robo signed affidavits in the lawsuit without the appropriate documentation attached. Midland and its attorneys failed to investigate disputes, they sent letters containing the verbiage forbidden in the Dispute Affidavit Lawsuit, attached an unsigned credit card agreement that does not relate to the account, and are relying on a sellers file but no account level documentation to back it up. They have filled out interrogatory questions stating that the original owner of the debt XXXX is not a party to the lawsuit ; they do n't know the documents they reviewed, but use the affidavit as proof of the debt. The bill of sale from the original owner of the alleged debt clearly states they make no guarantee of accuracy it is up to Midland to research and verify. The scant copies of alleged statements do not contain any purchases just a balance with alleged payments and the data in the statements is unreliable the math does not add up. I have brought to the courts attention that they are out of compliance with the consent order and FDCPA but it does n't seem to matter. I have asked numerous times in numerous court documents for an accounting of this debt and they refuse to provide this information. They do not know what comprises this debt yet they insist it is valid. The affidavits they have submitted are misleading and signed from a template with no attached account level documentation. The bill of sale does n't even reference the account in question. Midland has misrepresented that I have the burden of proof in litigation. Possible identity theft has been brought up in this case and they have refused to investigate. They have recourse through their bill of sale to have the credit company buy back the debt. My Credit Report shows I had a XXXX account but it was paid off and closed. Through discovery we asked for their processes and procedures and none of them would reflect the fact that they have changed their practices to better align with the CONSENT ORDER and honor the FDCPA. I am being sued unfairly by Midland / XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX in the state of Washington . Midland and its attorneys are clearly in violation of the Consent Order and FDCPA. This looks to be an intentional mocking of the consent order they signed. It does not look like they have changed their practices and continue to violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
This website states that a debt collector can not call more than three times a week. This company calls me multiple times a day! I have a screenshot of my call log, four times today they called me! All during work hours, which I will not answer a personal call. 

XXXX The debt collector communicates with you or your spouse more than three times in one week. '' Transworld Systems/TSI XXXX is the number that calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express Serve has reversed and taken all funds on my prepaid card. They will not allow me access to my funds nor can they explain why my funds were reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I just filed two complaints with this bureau about Serve. The original charges I have tried to get disputed and could not, I am in the process of trying again. AND ONCE AGAIN, I AM BEING SHAFTED AND REFUSED THE RIGHT TO DISPUTE FRAUDULENT CHARGES!!! THE PEOPLE WHO HAVE REFUSED ARE : XXXX, XXXX, XXXX, XXXX, AND XXXX, WHO ARE GIVING ME THE SAME XXXX ABOUT AS REP 'S THEY DO N'T DO THAT. XXXX even connected me to the Account Protection, WHICH WAS CLOSED!!!!!!!! I 'M SICK OF THIS!!! I wa n't these amounts put into dispute : XXXX/XXXX/2015 : J. Department, {$10.00} ; XXXX/XXXX/2015 : XXXX, {$4.00} ; XXXX/XXXX/2015 : XXXX XXXX, XXXX ; XXXX/XXXX/2015 : XXXX XXXX, {$11.00} & XXXX. They 're giving me all kinds of lies. A couple of weeks ago, I was successful at getting something put into dispute. Now, suddenly, this policy does not apply and I need to speak to account protection. This is GARBAGE AND THEY KNOW IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was two days late paying my American Express card bill. They charged me a late fee of {$27.00} plus interest of {$86.00}. That much I can accept. However, I paid the next statement on time, and they charged me an additional {$90.00}. They call this " trailing interest '' and say this is in their cardholder agreement. {$200.00} for being two days late seems excessive. I feel cheated, especially since my payment record has been otherwise perfect since 1999. My FICO score is more than XXXX.

Company response to consumer: Closed with explanation