vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. 
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! 
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. 
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. 
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I recently received an incorrect XXXX listing an ( improper year - XX/XX/XXXX ) from Midland Funding, LLC. Their XXXX should have been listed for the ( prior year - XX/XX/XXXX ), due to the fact that the settlement was made and completed and also reported on my XX/XX/XXXX income tax return. I contacted Midland Funding, LLC on XX/XX/XXXX regarding this error and they are refusing to issue me a corrected XXXX for the proper year of XX/XX/XXXX and I do n't know what to do. I 'm hoping you can help me with resolving this matter. Attached are scanned documents verfiying my information relating to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: NC

Complaint narrative:
Midland funding is a party of XXXX but is not my account but fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
fraudulent charges were put on my American express credit card by someone in XXXX I I I believe. I did file a police report and called the credit card company. American express said they would call me back within 72 hrs. To verify that I am XXXX XXXX. The problem is they did not call me back. I have called them several times and they keep saying they have to call me back to verify identity, but they have not called me back. Now I want the charges taken off and the account closed. How can I get the charges removed if they do n't call me back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express One VIP card has stolen over XXXX of my money I have contacted the executive office of XXXX XXXX telephone, social media XXXX. I have called several times to complain XXXX was refunded back to me after 2and 12 months after complaining the XXXX and my XXXX XXXX payments of XXXX and XXXX still have not been recovered. The accounts from XXXX 2015 to now has had duplication in atm withdrawals and transaction that were changed and alter city trend XXXX was never a transaction and XXXX was never given to me at XXXX airport, refunds never made and I just want all XXXX in deposit return so I can find another bank with integrity. The foreign workers are stealing from the XXXX cards and trying to put you in fraud when ever you complain. XXXX on account is separated from the statements and transaction and there are about XXXX of transaction missing. I have pictures I submitted by email to inform the Executive Vp however, it is my belief she is covering for her foreign colleagues positions. I also submitted the letter that a supervisor sent me when I first filed a complaint about them in the month of XXXX over XXXX is taken from me. They are saying transaction never happened and in XXXX XXXX pay checks were deleted out of the system which would reflect of XXXX deposit being made in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a single woman, I do not have any delinquent debt, I have excellent credit. I have received numerous calls from Midland Credit. I finally called them back today and learned they are trying to collect a debt for someone else. I have asked them to stop calling my cell phone and have blocked their number but I do want to make sure the calls stop so I am filing a complaint here too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My card was stolen and I filed the complaint with American Express and they have not refunded the money I lost during the event nor made any additional contact with me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 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: IL

Complaint narrative:
They are reporting to my credit that I have late/missed payments when this was discharged in BK in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Amex XXXX prepaid cards charge the card holder {$3.00} per month re regardless of balance after 6 months of issuance. 

This is seems to violate usery and common sense. The longer Amex has use of the funds the more they make on the unclaimed balances on these cards. Charging {$36.00} in fees annually on a {$50.00} gift card is obscene and lacks any ethical justifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: WA

Complaint narrative:
I have recieved calls saying I owe this debt which has suspended my drivers license but have never received anything Stating this information Whatsoever. This company wo n't even allow me to make payments to them unless I put a XXXX down deposit. I just do n't see how they can get away with holding my life hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I used my American Express Blue Cash card and bought a new membership for {$45.00} at XXXX XXXX # XXXX because they had a deal ( Amex Offer ) for new membership purchases. I was told yesterday by XXXX ( XXXX ext XXXX ) that they 're not honoring the deal because it was n't a new membership purchase. So I got written proof from XXXX that it was indeed a new membership. Amex, please honor your promotion ( {$45.00} ) credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express has my cellular phone number entered into their robocall system. They call multiple times a day 7 days a week, all from random phone number. This is annoying and I consider it harassment. They need to stop. I have no desire to speak with them and I 'm filing bankruptcy soon. 

They 've called from the following XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: LTD Financial Services, L.P.
State: AZ

Complaint narrative:
I recently discovered a judgment on the title to my house from a company called Advantage Assets for {$12000.00} in XX/XX/XXXX. I have not had any line of credit or credit card since XX/XX/XXXX so I do not know how or why it is there. I was never served papers or warned of this action to put a lien on the title to my house or garnish my bank account. I have not been notified at all for any request to pay this debt. I did n't know of any of this existed until funds from my bank accounts were garnished. I have never been informed of any judgements but they continue to garnish my account and I still have the lien on the title which I need to have removed. I want to settle this matter, but I feel these creditors have committed fraud. I would be grateful for any help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I signed up for an American Express Platinum card due to the offer of XXXX bonus points XX/XX/2016. I met the minimum spend requirements on XX/XX/2016 using valid purchases. I then entered into an 8 week long review process, which should have concluded last week. American express has been very unhelpful throughout this process, and is now withholding the points that I have earned in a breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
My mother is XXXX soon to be XXXX. She needed help with her answering machine ( she did n't know how to get the messages off ). Within a 3 to 4 day period She had 24 messages and 21 of them was a recorded message from Trans World Systems, Inc " this is an attempt to collect a debt ''. They left a number to call # XXXX I have called multiple times and always get a recording " the person at extension XXXX is unavailable leave your number ''. 
This is crazy to call anyone this many times. My mother does n't owe anyone. How can we get them to stop?? 
Thank you so much and have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American Express card was lost or stolen in XXXX 2015. 
I reached out to AMEX while traveling in europe. I spoke to a number of representatives who, despite my request for manager assistance, provided neither a manager nor a solution to the problem. These calls lasted hours due to time on hold and multiple disconnects. When I returned home, I spoke with XXXX at Amex ( XX/XX/XXXX @ XXXX XXXX ) who offered a {$450.00} credi and XXXX-XXXX points and an apology. 
Despite mulitple contacts since then, including a manager ( yesterday ) I have not recieved the compensation promised. I asked that they listen to all calls ( not the self serving transcripts and she refused. Her response " I 'm higher up than XXXX and your not getting what you are asking for. 
This company has been non responsive, rude and I have devoted hours to getting this settled. I have eliminated XXXX AMEX cards, reuced utilization and tried to find someone, anyone, at AMEX who cares. That person does not exist. They refuse to put managers on the phone, force log hold times, multiple disconnects. Requests for manager call backs are ignored. Appararnatly poor customer service, lack of ethics is institutionalized there. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
In XXXX, after holding an American Express personal green card for 11 years, American Express solicited me to open a Gold Card account. I was a XXXX at the time, and as most XXXX, ours was run completely departmentalized. All my department 's finances were my personal responsibility. The credit backing for my gold card is mine, not my former XXXX. Indeed, I have n't even been at that firm since XXXX XXXX. Yet I only just now found out that American Express chooses, when there is a company co-listed on the account, to only provide reporting on the company 's credit, not the individual 's. I am and was XXXX. I need that credit history. Nobody explained to me at the time that by opting for the Gold Card they solicited me for, that it would mean I would give up the right to have my positive credit management reported positively on my credit reports. On XXXX for example, age of credit is the SECOND SINGLE LARGEST FACTOR in the score, and here, because Amex chooses not to report the positive credit history on my personal report, despite the full 19 years of the account being 100 % handled by me, personally. It is my credit that got the account, it is my credit that handles the account, and it is my credit management that just got the revolving limit increased by Amex of their own, unsolicited volition, to {$50000.00}. My personal credit score would be about XXXX points higher if they would just start reporting my 19 year positive history. There is no earthly reason for them not to report the positive on my personal bureaus other than their own stubborn choice. There is no law or prohibition, and indeed, would n't it be good public policy for a XXXX person to have both their XXXX and themselves personally get the credit benefit? Indeed, Amex would sue me if I failed to pay, yet they do n't give me the positive reporting for timely paying over 19 years. This is an outrage and a travesty. American Express 's only solution here is to cancel the existing Gold Card account, and have me apply for new credit. Which would FURTHER destroy my credit, because it would comprise both a hard credit inquiry, which would bring my score down, and it would comprise a brand new, one month old, not nineteen year old, line of credit, so it would make the average age of my credit even more artificially young than it already is with them giving no reporting at all on my private report. This has got to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
XXXX rebate card handled by American Express. I was given an {$18.00} prepaid card. A few months later, it became {$12.00}. {$2.00} per month fee is charged for three months. The fee was written in the back of the card in a very small font.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I noticed an account issued by XXXX. It was a XXXX dollar credit card. I have never done business with, applied for, or recieved a card from this bank. I contacted their customer service number. There representatives barely speak english at all. They say i would recieve papers for a dispute this was over a month ago. This is a hard negative to my credit score and all attempts to communicate with them are unsuccessful. I also had a fraud alert on all XXXX bureaus for the last 1 year, being refreshed every 90 days. Credit One did not have a phone number for the account fraudulently opened. I also never spoke with anyone from this bank via phone at anytime, until i called them regarding a fraud account. Such a fraud alert that they should have contacted me before opening and was never done

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. 

Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had a corporate card with AMEX while I was employed by my previously firm which I left in XXXX of 2015. When I left, I had no balance on the card, but a recent charge was posted as I left which left a remaining balance of approximately XXXX dollars that was deducted from my reimbursements at the time of my leaving the firm as the last bill did not post until I had left. They cancelled the card. AMEX stated that I owed this money and I paid AMEX, which they later reimbursed me as they double collected and realized they made an error. 

However, several months later AMEX began to charge me past due fees on a non-existant debt that was double paid and reimbursed to me which I called and they reversed as the bill had been paid and they said they would take care of it. This happened on multiple occassions every couple of months and I would call, they would reverse the bill and apologize as there should have been no charge. However, the bill continues to increase with delinquency fees on delinquency fees and my contacts to them results in them reversing the charges for them to continue to reinstate them. 

I believe AMEX has ineffective payment systems and processes which allow the entity to charge fees where there is no underlying balance, stack those fees, agree to waive those fees upon contact by the customer, and then continue to stack those fees in abrogation of their stated response. As a result, I believe that AMEX did not raise my issues as complaints as they should have been and they may have difficulty in their complaint management processes, but more directly, they have violated XXXX XXXX XXXX and XXXX XXXX XXXX relating to UDAAP as allocated to the CFPB as both deceptive ( direct contact and reflection of the statements made to me claiming the fees were waived and no additional action was required on multiple occassions ) and unfair ( relating to their billing practices and underlying systems that failed to recognize payments and deduct wrongfully billed fees ). While these were 'business ' credit cards, I believe the CFPB should consider authority under the end result of the business card being applied to the individual as a consumer who was not employed by the entity at the time of any wrongful actions even if the underlying requirement was the result of an initial employment situation and business context. 

More likely though, I believe it is a violation of XXXX XXXX XXXX ( FTC XXXX XXXX ) or more commonly known as UDAP under the previously mentioned prongs for deceptive based on the misleading conduct of the agents to the end result and the underlying unfair billing practices.

Company response to consumer: Closed with monetary relief