vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX 2015 my husband passed away and had an outstanding balance with AMEX and reward points. I was told in XXXX that if I sent them a copy of the death certificate and executor proof they would process the points for me. Called in XXXX, XXXX, and XXXX formal letter sent XXXX, form letters sent to me XXXX, XXXX XXXX,, XXXX called again and someone ( XXXX ) called back and told me I had to have a copy of the will, I faxed XXXX, called XXXX talked with XXXX to verify they had recd. Call yesterday telling me I needed an additional piece of info, either from an attorney or the court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Express Aviation
State: TX

Complaint narrative:
I had to take out these loans to pay for my XXXX school at XXXX college. But they closed down therefore, I never used these loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have attempted XXXX times ( First request XXXX/XXXX/15. Last request XXXX/XXXX/15 ) to change the business name on my American Express XXXX XXXX card by online chat and phone. I was changing from a sole proprietorship to another sole proprietorship, so it should n't have required much new information. XXXX times, I had been assured that the changes have been made and I could expect a new card in the mail with the new business name within 7-10 business days. This has not happened. 

Also, I had recently received a new card due to fraudulent activity on my account. Since then I have been having great difficulty verifying my account. XXXX out of the XXXX times I 've contacted Customer Service, I 've been told to have the primary account holder make the business name change requested, however I am the primary and only user on the account. I suppose there may be some confusion because my XXXX name is on the account and my shortened first name is on the credit card, but it 's like confusing the difference between XXXX and XXXX. XXXX and XXXX. XXXX and XXXX. I would assume they would have the common sense to know that the XXXX names belong to XXXX and the same person. It 's terribly frustrating. When asked what needs to happen to avoid this in the future, I 'm offered no solutions. 

When asked what is preventing me from making the business name change on the account they place me on hold or reply in the chat to 'wait one moment ' but all I 'm told is that the changes have been made when it has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: NH

Complaint narrative:
I am being sued by Midland Funding LLC, who claim that they purchased XXXX of my alleged debts from XXXX XXXX. Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Midland Funding LLC, however, Exhibit A is blank as the accounts were Redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Midland Funding, however there is no mention of any accounts. 

They have also included XXXX statements, seven months apart, from the original creditor. However nothing shows how the alleged amounts were calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for a public XXXX XXXX XXXX credit card offer for XXXX XXXX XXXX Membership Rewards after spending {$3000.00}. I spent {$3000.00} on the card and was awarded the XXXX points on XX/XX/XXXX/2017. 

I tried to book a flight in early XXXX, but received an error that I could not, with the following message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I received no notice that my points were unavailable until I tried to use the points, which was misleading. Again, the XXXX points were visibly available in my account since XX/XX/XXXX/2017. 

I did nothing illegal or against the terms and conditions of the agreement. The customer service representatives and supervisors say there is nothing they can do. Some representatives said the review takes 6-8 weeks ; however, it has been over 8 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XXXX XXXX, 2016 at approximate XXXX, I attempted to withdraw {$40.00} from an ATM machine. The money did not disperse instead I received an ATM receipt stating Decline due to HOST ERROR. I stepped over to the next ATM machine and was able to process my {$40.00} transaction. The next day on XXXX XXXX I checked my account and noticed that the first transaction that did not process was taken out of my account in the amount of {$47.00} ( {$40.00} plus {$5.00} ATM fee plus {$2.00} AMEX Serve fee ). I called AMEX XXXX to inform them and they emailed me a transaction dispute form on XXXX to complete and email back to them. I completed the dispute form and attached the ATM receipt that stated DECLINED HOST ERROR the same day XXXX. I received an email back from AMEX XXXX on XXXX stating my dispute was decline and when I called to find out why they stated the owner of the ATM provided documentation that the transaction did dispense the {$40.00}. I spoke to several reps and reps claiming to be supervisors at AMEX XXXX on XXXX and XXXX explaining the situation and asking for the documentation the ATM owner provided with no success. The last person I spoke with was XXXX. He stated that he was from the dispute team and that there was no way I can prove my dispute and there was nothing he could do for me. On Monday XXXX I received an email from AMEX Customer Service stating my account has been permanently suspended due to violation of consumer agreement. I called to speak to someone about the remaining balance of {$210.00} still on my card and what violation took place. Customer Service stated I will receive a check in the mail but did n't say when that would be mailed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a writ of garnishment from my employer. It states I owe {$16000.00}. I have received nothing from ASSET ACCEPTANCE , LLC about any of this. I have changed my address many times over the passed XXXX years and to the best of my knowledge was never made aware of any of this debt. I pulled up the registry of actions on this at the XXXX XXXX XXXX district court and I see I 've been taken to court and did n't show. I knew nothing about this, It claims I was served by certified mail. I would like to see the verification on this and the entire account. I also would like an Itemization of the charges accrued, the original agreement and any and all times this debt was sold or bought. If this information can be provided and proof that I do in fact owe this, then I would be interested in settling this debt. However until that happens I will be taking all actions to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had loans through XXXX XXXX XXXX because I went to XXXX University and as a part of XXXX closing. they were supposed to get rid of the loans I still had almost {$9000.00} through uas lending Services since they receive the loans that XXXX had to give up. almost {$7500.00} of my loans was removed from uas lending services but I still have a total of {$1700.00} and change through uas lending services. I do n't feel that I should be paying for this other XXXX if they already removed almost XXXX from my private loans that originated with XXXX and wound up with uas. I keep getting calls from uas saying that I owe the money and now it 's in collections saying that I owe them money why was this part of the loan not removed when the other XXXX % was? I would like for this loan to be closed out I 've already reported it through XXXX XXXX saying that I should not be paying for it and all they did was remove the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The company name on the contract is ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX - XXXX XXXX. My wife and I met with the XXXX XXXX in XXXX XXXX XXXX on XXXX XXXX, 2015 in an office next to XXXX XXXX XXXX ( across from XXXX ). The sales person wasXXXX XXXX XXXX and her husband XXXX. The closer 's name XXXX XXXX. 

My wife and purchased a XXXX week residency contract for a pre-construction XXXX resort unit to be built on beach property directly behindthe offices. 

They quoted the unit at {$120000.00} regular but discounted to {$59000.00} as a pre-construction special. 
They promised us {$38000.00} for our XXXX bedroom XXXX lock-off whichis a deeded unit at XXXX XXXX, XXXX, XXXX. They desired to use our XXXX timeshare unit as amarketing incentive for other buyers. 

We negotiated the reduction of the remaining {$21000.00} down to $ XXXX to credit limits on our credit cards. We placed a total of {$19000.00} on XXXX credit cards ; American Express XXXX XXXX XXXX XXXX XXXX. XXXX contracted with a third party companyto liquidate our timeshare ; XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX. The contract listed thebuyer as ; XXXX XXXX. 

I have communicated several times with XXXX. XXXX XXXX XXXX, hastold me on XXXX occasions that a meeting with the? buyer? isscheduled. XXXX XXXX now states that the process normallytakes from XXXX days. 

XXXX offered the first XXXX buyers a no maintenance fee for life incentive and a {$2500.00} annual payment to be paid directly to us for each unit shouldwe decide to release them to the company for rental at the first ofeach year. That would be {$2500.00} x XXXX weeks = {$10000.00} per year! 

We found the XXXX XXXX XXXX site to be atechnical mess and poorly maintained. We found that it the websitehad been hastily created in XXXX 2015. We found that the web linkson the site do not work and passwords can? t be reset. 

I calledThe XXXX XXXX customer servicenumber provided on the website ; ( XXXX ) XXXX. The address given isXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland, XXXX. 
Once the female rep answered, I immediately heard music playing andchildren playing in the background. I mentioned this but she deniedany children were present. She was unfriendly and unable to answermy web site navigation questions. 

We received XXXX XXXX and a free resort week for attending thepresentation. We received an additional week for buying. We weregiven an additional contract to use at XXXX XXXX, XXXX propertyuntil the new property was to be completed in XXXX months. 

We also received a signed XXXX year100 % money back guarantee. I requested returnof our funds in writing to XXXX XXXX XXXX but have received no responseas of XXXX XXXX. 
I submitted a formal request to XXXX XXXX on XXXX XXXX toexercise our money back guarantee. I have received no responsesince.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit calls my phone 10 times daily from an XXXX call center, I have repeatedly ask them to stop but an hour later they call again, I have spoke with numerous supervisors with no success. I receive calls morning noon and night 7 days a week The number that calls is XXXX, they do not speak very good XXXX. I have been assured they will stop but an hour later I get another call. This has been going on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. 
I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. 
They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Owed an amount to XXXX which was cleared up with the tollway direct and agreed to have the collection agency remove any negative marks as it was not 100 % correct. As when I orginally reach out to XXXX XXXX before it had gone to collections the rep I had talked to said that she was removing the additional charges as long as the original tolls where paid which where. I never received any notice from the collection agency and only seen them reporting on my bearu to date I have not heard from the agency only see them on my Credit report I have tried to reach the corp office at the number, a number that I was provided by a cs rep at XXXX. ( the corp number I was given is XXXX ) but still have not heard anything from the collection agency and it is still being reported on my XXXX XXXX report after I was told it would be removed immediately after the situation was settled directly with the oirginal creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding LLC is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Midland Funding LLC did not report the deletion of the account to XXXX or XXXX, the other consumer reporting agencies that it reported the account to. Midland continues to update the account with negative information on XXXX and XXXX inspite of XXXX XXXX 's notification of deletion. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received a American Express Card offer in the mail. The rate disclosure about their penalty APR says : " The ( penalty ) APR may be applied to new transactions on your account if : 1 ) you make one or more late payments ''. If Amex is applying their 29.49 % penalty APR after 1 missed payment, they fly in the face of the CARD Act, which states " Card issuers generally are prohibited from increasing the interest rate on an existing balance unless the cardholder has missed two consecutive payments. '' I have been a XXXX for 40 years ( probably one of the oldest on the planet! ), and I witnessed my clients struggle due to many of the credit card abuses. I was thrilled with the passage of the CARD Act, and I am reporting American Express because I do n't want the industry slipping backward. I will keep the offer and the Truth in Lending Disclosure in case it 's needed as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Paid my bill on time with a cashiers check and was told the payment was " returned '' a week after it was " returned ''. After numerous attempts to navigate the XXXX a phone maze to talk to someone at American Express they were of no help. Tried calling four times and was knocked off the line each time for a total time on hold of 2 hours. HOW AM I SUPPOSED TO PAY MY BILL IF NO ONE WILL TALK TO ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I am aware of the payment that I owe to the XXXX. Money was being deducted from my XXXX paycheck to satisfy the money owed and the deductions stopped a few months ago. If I still owe money I can continue to make monthly payments of {$200.00} but the amount that they claim I owe does n't seem correct to my knowledge. I need someone to review my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there. 
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly. 

I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected. 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up the an American Express TrueEarnings Card. The contract specifically stated that I would receive cash back for eligible purchases. My first cash back check should have arrived in 2015. It never did. So, I contacted American Express to reissue the check. They refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!

Company response to consumer: Closed with explanation