vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express refuses to comply with the Fair Truth In Lending Act. This may look like a duplicate complaint, but it is the only way to update you on the facts. American Express is absolutely refusing to show and substantiate charges on our account. They also paid an unauthorized charge. This amount we know and can clearly see on the original statement. But there is {$1300.00} in additional charges on our account that show no line item corresponding charges anywhere and which American Express refuses to substantiate. They also refuse to honor our dispute and threaten us with credit reporting. I have explained to them that they need to honor our dispute and to prove to us the charges we can not see on any statement or combination of statements beginning in XXXX 2013. We pay this account in full each month for all line charges we have actually made. We run a spread sheet and check it carefully to make sure the numbers are correct. We are trying to do the right thing. It is time for American Express to do the same. I believe there is fraud on this account that American Express needs to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My XXXX answer a phone call and they asked for my name and he asked who was calling, they stated MCM and he asked what is was and they said midland he asked whole company name and they just said midland again he asked if there was some kind of debt and the person on the phone responded with YES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 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: Grant & Weber
State: NV

Complaint narrative:
Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an XXXX XXXX XXXX XXXX card in XX/XX/XXXX after seeing an advertisement on the company website in XX/XX/XXXX. The ad stated XXXX bonus points after spending {$1000.00} in first 90 days. I made {$1000.00} purchase within 30 days. When I called AMEX for the bonus XX/XX/XXXX, I was told, it will appear in my statement. It did n't show in my statement. I called AMEX today and was told that I had a similar card in XX/XX/XXXX that was cancelled in XX/XX/XXXX. The fact is the card was cancelled in XX/XX/XXXX. I am concerned that if AMEX ca n't keep track of the accounts, it does n't give me a good feeling about the security and reliability of their products. This is not an isolated incidence. There are other serious issues also with AMEX cards, one of them being canceling the card without customer authorization or discussing with the customer. I would like CFPB to do further investigation into the IT systems and processes of AMEX that leads to such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: AZ

Complaint narrative:
We received a wage garnishment for a debt outside of the statue of limitations, they were unable to provide any verification of debt or proof of serving paperwork for the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I held an XXXX credit card while XXXX XXXX military that was unknowingly written off to TransWorld Systems Inc ( TSI ). TSI has garnished my federal tax returns without a court order and refuses to send me any information regarding my account. I have asked repeatedly over the last 18 months for a written statement disclosing my account number, monthly fees, interest rate and current balance. I have yet to receive anything, yet my account balance is still raising astronomically each month. I have spoken with a lawyer regarding the unlawful tax garnishment, but was told I can not do anything about it. TSI has deceptive debt collection practices and is ruining my credit no matter how hard I try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
My father died back in XXXX. He has a brokerage acct. at HSBC with myself as the beneficiary. I have been trying for over a year now to get the bank change the title on the acct. And, I have gotten nowhere with them. I filled out all of the paperwork they said they need to make the change, but nothing yet. I should that this amount time to do something like this. And now, I ca n't even get the agent on the phone ; nor, have I received everything from about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
about 7 years ago i started a cellular service with XXXX the plan i choose was a XXXX minutes for XXXX phones with an automatic cut off when the minutes run out. the store did not give me the plan requested and i end up paying XXXX overtime the XXXX month and when i call customer service they told me that i where going to correct the mistake and change the plan, but that never happened and again the the following month i got another bill for XXXX for overtime, so i pay only the regular plan and cancel the service, then they send me a bill for XXXX early cancellation plus the overtime. 
# 1 the store mistake cost me XXXX five hundred dollars # 2 customer service did not change the plan as i was told # 3 customer service was a bully when i ask for an adjustment # 4 XXXX breached our original agreement # 5 arbitrary they report me to the credit bureaus and my credit is damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/XXXXWelcome to Card MembershipWe are pleased to let you know that your application for the American Express ( R ) XXXX Card has been approved. We hope you 'll enjoy the benefits of Card Membership. 
As of XX/XX/XXXX I have not received my card. 
I made numerous call to American Express, and I was promised a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
My credit card company has been calling my place of employment telling anyone who answers the phone my credit card number, balance, address, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XXXX XXXX I leased a XXXX XXXX XXXX, through the finance department XXXX XXXX. The lease was for 39 months with an initial payment of {$3000.00} and 39 monthly payments of {$270.00}. The total amount I paid for the lease of that vehicle was {$13000.00}. 
In XXXX XXXX, XXXX, when the lease ended I gave back the car in perfect condition : interior, exterior and mechanically, according with the inspector that Toyota sent for the inspection. 
Now Toyota finance is asking me to pay additionally {$350.00}, in order to move their vehicle from the dealer to a place for an auction. I consider the requirement of that payment is abusive, for these reasons : XXXX I paid always on time. 
_ The car was in perfect condition when I gave back to Toyota. 
_ I paid all the services for that vehicle in Toyota 's service department, according with their own maintenance schedule. 
_ I paid the last month, even though I use the car only for 15 days. 
_ More important, I gave back the vehicle without using XXXX XXXX miles, that I was entitled to use ; therefore, Toyota has a big plus, because with the saving of that mileage Toyota gets, at least, {$2000.00} or {$3000.00} more when they sell the car. 
Toyota is taking advantage of a good customer, forcing me to pay {$350.00} on top of all the big amount I already paid. This company is using abusive, greedy and lack of consideration practices. 
Notice : The amount Toyota is asking me to pay was included in small letters in a XXXX pages contract that I signed, but, unfortunately I did n't read.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am on the do not call registry for my cell phone. After XXXX XXXX 2015 I should not receive these calls. I have no debts. I have blocked the number but see online that they will just call from another number. The number they called today is ( XXXX ) XXXX. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was contacted by several fraudulent companies by unsolicited telemarketing phone calls. They all promised me a very profitable online business.They were all offering me related internet business opportunities to work from home. I was sucked in this mess. The charge that I would like your help to dispute is a charge done by XXXX XXXX on XXXX XXXX 2016 of {$3000.00} on my Amex card. They called me and stated that I needed them, and in order of my process with the previously company that I signed up succeed, I needed their services. Nothing was ever done. What it really comes down to is this company scammed me by not providing me the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: PA

Complaint narrative:
This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an American Express XXXX card for my daughter I have had the card now for three years this was the first year that I set up automatic withdrawals I have not been checking the account until this month and there has been a debit coming from the account for XXXX dollars every month for XXXX music which was not authorized I called number on card to report fraud I was informed I would receive a email for fraud three days ago I had not received it yet so I called to check on it and there was no record that I even called I asked to speak a supervisor I called from my cell and have literly on hold for one hour and forty five minutes now and have yet to speak with anyone there was no phone number XXXX under transaction to contact them that is a total XXXX dollar as of this month deducted that I did not authorize I do n't know what kind of company this is and what games they are playing I need a refund for unauthorized charges and this account closed. ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XXXX night XX/XX/XXXX XXXX going into XXXX XXXX use to withdrawal XXXX the machine got to the point where it stated to counting the money but the door that the money comes out neve opened up instead it repeated The process again but no money stii does n't in it printed a receipt saying incomplete transaction. So I used the machine next to it abd this time a receipt comes out stating contact your financial institutions. So but now Im on the phone with my financial institutions which is American express they tell me that on their side the money came out. So now I 'm mad because they was playing with my hard earned money I get the manager of the XXXX to make him aware of what was going on with the Mac machine. So a lady comes in about XXXX to use the Mac I asked her could see use the one that I used to see if it works for me and low and behold the Mac machine got to when it ask you your amount. Well the lady went to hit XXXX the Mac machine cuts completely off then cuts right back on and saying temporary out of Order and American express keeps playing game they told me to send copies of my receipts I also sent my drivers license and prepaid card I sent in then they stated that I have to fill out a dispute form out I filled that out. I call them on XX/XX/XXXX to see if they received the documentation they asked me. Then they informed me that they was n't going to contact XXXX. " supplies all the Mac machine ib the XXXX '' but that they was n't going to contact them until XX/XX/XXXX and then contacting them they was n't going to contact me until XX/XX/XXXX. But instead e-mail me XX/XX/XXXX @ XXXX. Telling me that they was n't going to put my money back into my account and that if I wanted what paperwork they sent to XXXX and that take 5 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I tried to use XXXX prepaid American Express cards for {$60.00}, {$10.00}, and {$10.00}. The {$60.00} was credited for {$44.00} and the other XXXX were declined. I called American Express and was told I had been charged their $ XXXX. fee 5 mo. after issuance. I said there was a law against that in the State of Washington, but the rep said there was no such law. The required statement and font size appear to be satisfied on the cards, but I do not believe the other criteria in XXXX XXXX are met. The only exception might be the 24 months of inactivity on the XXXX {$10.00} cards, although I ca n't confirm the issuance dates for them. The {$60.00} card was issued in XXXX, 2013. The cards were issued as rebates for XXXX merchandise. Am I interpreting the code correctly? Were these fee charges legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a follow up to complaint # XXXX The company, American Express, has sent a letter to try and explain the situation. The letter was erroneous and condescending. It did not address the main issue of misleading advertising for their credit card product. I have attached their letter. They reference disclosure number XXXX for the XXXX XXXX XXXX, but on their advertising brochure, reference XXXX is not even on the same page as the XXXX XXXX XXXX benefit. Furthermore, the company American Express uses to process credit card applications, was also mislead by their advertising brochure, as they are the ones who initiated an investigation. 

In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Entered a judgement against on a debt in which the statute of limitations has expired.

Company response to consumer: Closed with explanation